Stewardship


Saquib Hyat-Khan is the global managing director of AppliedTechonomics. He is based in Atlanta and leads the firm’s focus on capitalism and the role business leadership can play in creating exemplary products, services and excellent systems with effective controls.

Prior to AppliedTechonomics, he served in multiple global and regional executive level roles at American Express, Citigroup, and J.P.Morgan developing solutions for global and regional blue-chip companies, and sovereign entities across the Americas, Europe, Asia and the Middle East.

Throughout his twenty-five year career, Mr. Hyat-Khan has been responsible for delivering a multiplicity of transformation offices for new business and product rollouts, M&A integrations, and disruptive flagship digital finance platforms, such as JPMorgan’s JPMorgan ACCESS®, Bank of Bahrain & Kuwait’s BBKCashLink®, and Citigroup’s CitiDirect® online banking—the world’s leading digital global corporate banking system, now in use by more than 100 governments and a million leading companies in 140 countries.

Mr. Hyat-Khan is an executive adviser to the World Bank Group/IFC on Business Strategy, Supply Chain Finance, and Wholesale Banking; and both public -and private sector entities, in various stages of growth on planning, management, governance, quality, and sustainability.

Mr. Hyat-Khan has lived in six countries, traveled to more than fifty countries, and speaks four European, three South Asian and one Middle-Eastern language.

He graduated from the University of Wisconsin with a BA in International Economics, and studied e-Business at the University of Virginia Darden School of Business.


Dr. Benn Konsynski specializes in digital commerce, the advancing digital market, digital security, management and technology issues, and decision support.

Dr. Konsynski is a member of the faculty at Emory University’s Goizueta Business School, where he serves as George S. Craft Distinguished University Professor of Information Systems and Operations Management. He has been a frequent contributor to new university-wide initiatives at Emory. Dr. Konsynski was part of the team that launched The Halle Institute’s Knowledge Futures initiative, an interdisciplinary program focusing on the digital, mediated and wireless world that include regular symposia, including the first one on Virtual Worlds. He also worked with faculty and students to launch the first annual India Summit at Emory, and is a faculty advisor to Emory’s student-led TedX.

Dr. Konsynski has been named a Baxter Research Fellow at Harvard University and a Hewlett Fellow at The Carter Center. Prior to Emory, was Dr. Konsynski was on the faculty at Harvard Business School and taught in and several executive programs. He also served as professor at the University of Arizona where he was a co-founder of the university’s multi-million dollar group decision support laboratory.  Dr. Konsynski has served as a consultant on management and technology issues with many organizations including UPS, IBM, TESSCO Technologies, Harbinger Corporation, AT&T, Northern Trust, the U.S. Army, Digital Equipment Corporation, Northwestern Mutual Life Insurance Company MicroAge, Ernst and Young, the Bank of Montreal, Aetna Insurance Company, Turner Broadcasting Corporation among others.

Dr. Konsynski received a Doctor of Philosophy in Computer Science from Purdue University. Dr. Konsynski is based in Atlanta.


Omar Tiwana specializes in policy prioritization, regulatory and compliance risk, corporate governance, institutional procurement, and planning.  Mr. Tiwana works with international institutions and multilateral development banks in Asia, Africa and Latin America, developing and implementing growth and compliance strategies, best practices and value-management programs. Among key engagements, Mr. Tiwana is currently advisor to the African Development Bank on global procurement policy.

In his thirty-three year career prior to AppliedTechonomics, Mr. Tiwana’s primary areas of focus have been working with international financial institutions in the legal, regulatory and compliance space.  He has held several positions at the Asian Development Bank, most recently focusing on policy formulation, procurement fiduciary compliance, capacity and team building. Prior to that, Mr. Tiwana was the South Asian Regional Counsel at Citibank and American Express Bank. Mr. Tiwana started his career working on antitrust related issues in the energy sector as the Charles Dana Fellow at the International Energy Agency- part of the Organization for Economic Cooperation and Development (OECD) based in Paris, France.

Mr. Tiwana read Economics at the University of Chicago and continued his education at Northwestern University-School of Law where he was awarded Juris Doctor. Mr. Tiwana was admitted as a Member of the State Bar of California 1982. He has authored articles on trade, procurement, SME (Small-to-Medium Enterprise) development and financial law published in several journals. Mr. Tiwana is multilingual and has lived in several countries on three continents.

Mr. Tiwana is based in Austin, Texas and Manila, Philippines.


Shahid Malik specializes in corporate finance and banking. His experience includes extensive work with banks in multiple locations across the Americas, Central and Eastern Europe, Middle East and Asia on all areas of their operations, as well as projects in high-tech, consumer, industrial goods and healthcare sectors. Mr. Malik is particularly experienced in working with organizations and financial institutions on strategic business unit growth, planning, risk management, portfolio review and management, asset-based finance, process redesign, structured finance, treasury and working capital management transformation.

In his thirty-five years’ experience, Mr. Malik’s work with SMEs, corporations and financial institutions has included projects focusing on distribution efficiency improvement, client segmentation, sales force organization and effectiveness, multi-channel strategy, e-commerce and direct-banking strategy. Mr. Malik has also worked on numerous assignments advising executive management on project finance, private equity and M&A transactions. Prior to joining AppliedTechonomics, Mr. Malik worked for twenty-eight years in multiple executive level roles at Citigroup worldwide.

Mr. Malik read Economics at the London School of Economics and went on to obtain a post-graduate degree in Development Economics at the University of Sussex. Mr. Malik is multilingual and has lived in several countries on four continents.

Mr. Malik is based in New York.