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Raffy Karamanian

Head of Digital Banking Bank Audi Lebanon

Raffy Karamanian is the Head of Delivery Channels at Bank Audi since January 2011. His main responsibilities entail developing alternative channels and delivering seamless cross-channel banking experiences. He is responsible for the development of the “Novo” concept, initiating a new retail banking experience to customers. Raffy held the position of Head of Retail Banking in Sudan where he launched the Bank’s initial Islamic Retail Banking operation. Prior to joining Bank Audi in 2005, he worked in the retail banking field in New York for 6 years with JPMorgan Chase [Washington Mutual] and Commerce Bank.