Nadia Naeem is Head of AI Transformation for Customers globally for Openbank, where she leads the application of AI to transform customer experiences, drive personalization and drive profitable growth. She brings over a decade of financial services analytics and AI leadership, with deep experience building advanced analytics capabilities, partnering with executive teams, and translating data science into measurable business impact. Previously, Nadia spent 9+ years with Santander Bank in the US, driving Data & Analytics strategy across deposits, payments, distribution and customer growth initiatives, including contributions to Openbank’s US launch. Her work sits at the intersection of AI transformation, customer strategy, and data-driven innovation in financial services.