Chief Economist at Abu Dhabi Commercial Bank. Dr. Monica Malik has over 30 years of experience as an Economist specializing in the MENA region. Monica holds the position of Chief Economist at Abu Dhabi Commercial Bank, where she established the Economic research team. Previously, Monica was the Chief Economist at EFG Hermes and was the lead person in the Economics team. Before EFG Hermes, she was the Senior Economist for the MENA region at Standard Chartered, Dubai and at Dun & Bradstreet, London. Monica has authored a number of academic books and articles on Economic Development in the GCC. She has presented at a number of high profile conferences and participated in policy round table discussions, as well as appearing regularly in the international media. Monica holds a Ph.D. in Economic Development in the Middle East focusing on Private Sector Development in Saudi Arabia from the University of Durham in the UK.