Amir Lodi is a Fractional Chief Risk Officer with 30+ years’ leadership experience in risk, credit, fraud, analytics, CRM, and digital transformation across global institutions including American Express, HSBC, Visa, Citi, and First Abu Dhabi Bank. As CRO of American Express Saudi Arabia (2019–2024), he built enterprise risk and credit frameworks, led business intelligence and analytics, and managed regulatory engagement with the Saudi Central Bank. In 2024, he founded i-Qbed Solutions, advising financial institutions on balancing risk appetite with growth, enhancing governance, and translating data into actionable insights. MBA in Finance from Columbia Business School, certified in ERM, Credit, and Financial Analysis.