Our Director

Our Directors

Director – Financial Services

Alok Aggarwal

Leads Financial Services covering various service lines across the banking, insurance and investment space – enabling clients resolve challenges, improve performance and deliver growth. This spans practice development, relationships, delivery and people. Service areas include Risk, Governance, Compliance, Internal Audit and Business Advisory viz. Performance Improvement, Strategy, Turnaround, Others.
He has rich global C-suite experience in Banking, Financial Services and Consulting.
He is CIA-Certified Internal Auditor and CRMA-Certification in Risk Management Assurance, from Institute of Internal Auditors, USA, CFE-Certified Fraud Examiner from ACFE,USA, CAMS-Certified Anti-Money Laundering Specialist and CGSS–Certified Global Sanctions Specialist from ACAMS,USA and ACSI – Associate of The Chartered Institute for Securities and Investment, UK.
 Head of Cyber Information Services and Director – Risk Consulting

David Cafferty

David Cafferty is a business professional with over 30 years of experience in a variety of roles, including management and consulting in forensic accounting, financial crime, corporate governance, regulatory compliance and anti-money laundering for both private and public sector organisations locally, in the MENA Region and internationally.
His career has included working for a Big-4 Firm, an international law firm, and the third largest police economic crime unit in the UK while his industry experience includes financial services, logistics, local and central government, hospitality, healthcare, construction and oil & gas.”

Director - Global Mobility & Consulting 

Deepika Chandak

Deepika Chandak is leading the Global Mobility & Consulting arm of Crowe UAE.  With over 10 years of experience in Global Mobility, she has supported various MNCs with local compliance and advisory projects. This includes seamless coordination with multi-jurisdictional projects. Her role further extends to managing corporate and accounting advisory services alongside a team with decades of experience. Prior to joining Crowe, she worked at one of the Big-4 consulting firms in India. She is a member of the Institute of Chartered Accountants of India and holds a degree in the field of Commerce.

Director – Internal Audit

Fahem Almusa

Fahem is a seasoned Internal Audit Director based in Dubai, UAE. He holds CPA from the University of Illinois/ USA, and BS.C Accounting from the University of Jordan and is a member of the American Institute of Certified Public Accountants. Fahem has worked as Chief Audit Executive for Public Shareholding Companies in Dubai and Amman/ Jordan, he managed highly successful forensic and fraud related assignments in Uganda and Russia. Fahem has gained experience in a variety of industries; including Contracting, pharmaceutical, commercial and governmental entities.He established Internal Audit Departments, from scratch, for some of the iconic governmental establishments in the UAE government, as well as for public shareholding companies in Jordan.

Director- Audit and Assurance

Frances Caryl Joyas

Frances is Certified Public Accountant from Philippines having over nine solid years of experience in accounting, audit, compliance and other assurance engagements in Crowe UAE and one of the Big 4 Firms in Phlippines. She is a member of Philippine Institute of Certified Public Accountants. She specialized in engagement of regulated entities such as the non-bank financial institutions, real estate developers for escrow audit and audit of owners association and insurance companies reporting to various regulatory authorities in U.A.E.
Director – Tax Advisory

Michel Ruitenberg

Michel is an experienced tax advisor in the field of indirect taxation based in Dubai, UAE. He holds an LLM in Tax Law of the VU University Amsterdam and is a member of the Dutch association of Tax Advisors. Before working in the UAE, Michel has worked as tax advisor for one of the big-4 firms in the Netherlands, for a large FMCG company and for the Crowe Member firm in the Netherlands. Michel has gained experience on due diligence projects, implementation projects, compliance projects and a wide range of advisory projects with regards to taxes.

Director – Fraud & Forensic Services

Nadeem Maniar

Nadeem Maniar has accomplished his Post-Graduation in Management (Finance) & is a Certified Anti-Money Laundering Specialist (CAMS) & is currently applying his expertise as a Director for Risk Consulting Services at Crowe. His 8+ years of experience in the fields of Anti-Money Laundering (AML) & Combating the Financing of Terrorism (CFT), Fraud Risk Consulting & Advisory and his proven ability in implementing & advising clients has helped them to successfully immunize their financial systems.
Nadeem’s deep insight in arenas of know your employee, forensic investigations, third party risk consulting and due diligence is an added advantage & has empowered numerous organizations in identifying and unearthing frauds which may have led to huge financial and reputational loss. His proficiency in information security systems led him to spearhead & achieve ISO 27001 Certification in one of his earlier stints with an organization. Having a penchant for innovation & technology, Nadeem has assisted the Crowe team by incubating various tools to automate & enhance the service delivery to clients especially in risk consulting practice.