Warba Bank has named Simon Clements as its Chief Retail Banking Officer, taking over the responsibilities for Warba’s retail banking group. In this role as Chief Retail Banking Officer, Clements will work towards enhancing customer experience and developing new and personalised products and services for the bank’s customers. Clements joined Warba Bank in July 2014 as Chief Operations Officer, having previously held senior executive positions heading operations and technology divisions at a number of leading banks throughout Europe, Asia and the Middle East. He has over 30 years of experience in operations, IT and retail banking functions in financial institutions. In more recent years, he has managed the retail operations at two major banks in the region delivering enhanced growth and profitability through the execution of aggressive strategic plans. Clements started his career with Chemical Bank (now JP Morgan Chase), where he progressed to the position of VP.