Senior Banker with 25 years of General Banking Experience covering primarily Commercial banking , Trade services and FIG . Multi-country experience with proven ability to motivate and work effectively in a multi-cultural environment : Asia , Africa , Europe and Middle East . Rachid has let respected Financial Services Teams and Organizations, utilizing his proven intellectual , marketing , people management , strategic management , change management and organizational skills. For the Algerian market, Rachid delivers Strategic Advisory related to commercial , cultural , political , regulatory and tax issues for multinationals.