M.K. Zaman is an Islamic Banking Consultant in Australia. With 43 years of banking experience, he is well-versed in a variety of areas of expertise which include credit and risk management, corporate governances, financial structuring for SME’s policies and procedure manuals. Zaman is a policies and procedures specialist with proficiency in retail banking operations and trade finance manuals. In addition, he is actively engaged in delivering training in Islamic banking, public speaking, process flows and procedures. He has assisted several organizations in the development of HR manuals, code of ethics and employee handbooks. Zaman has extensive knowledgeable Sharia standards and Islamic banking products. Furthermore, he is a member of the Dubai Support Group for Islamic Banking in India.