Our Story

As industry practitioners, we have seen institutions struggle to protect the digital Identity of their consumers resulting in them losing their savings to the fraudsters. When we were looking for suitable solutions to address this problem - we couldn’t find one, so we built one. That is how Unitor was created.

Unitor was founded by industry experts and technologists bringing together their cumulative expertise and insights to address the customers’ current and future needs. We are disrupting the traditional authentication and transaction validation techniques to provide a secure, seamless and contactless digital experience.

Unitor is a Digital Identity & Authentication company incorporated in Abu Dhabi Global Market (ADGM).

We have embarked on a mission to make the digital world a safer place where one can seamlessly access their digital services from anywhere and from any device.

Our flagship solution Cipher helps institutions differentiate the digital identities of their legitimate customers from fraudsters. It gives customers the flexibility to interact using different digital channels while establishing trust across all digital touchpoints.

Our objective is to provide secure identity and authentication solutions to institutional consumers with frictionless user experience for digital services.

We work hard to make your digital journey safer and simpler.

We also help institutions transition towards a password-less digital journey and to optimize the Cost of Fraud with a plausible ROI (5-6X).

We provide Kick AaaS service - ”Authentication-as-a-Service”.

The Leadership Team

Anis Ahmed

Founder & CEO

Co-Founder & Advisor

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Anis Ahmed

Founder & CEO

Anis is the Founder & CEO of Unitor. He comes with 23+ years of experience in leadership roles specializing in Anti-fraud, Financial Crime Compliance & Investigation domains.

Prior to his Unitor journey, Anis worked with ADIB, Deutsche Bank, and Citigroup. He has done some remarkable work at the industry level during his stint in these institutions. He is an acknowledged thought leader in the FCC space and mentors the next generation of Financial Crime Specialists. He works closely with law enforcement agencies and professional bodies in mitigating financial crimes.

He currently serves as the Chair of ACFCS’ MENA Chapter and a Member of the ACFE’s Advisory Council, USA. He also sits on the advisory board of a few institutions in the Fintech space.

Anis Ahmed

Founder & CEO

Anis is the Founder & CEO of Unitor. He comes with 23+ years of experience in leadership roles specializing in Anti-fraud, Financial Crime Compliance & Investigation domains.

Prior to his Unitor journey, Anis worked with ADIB, Deutsche Bank, and Citigroup. He has done some remarkable work at the industry level during his stint in these institutions. He is an acknowledged thought leader in the FCC space and mentors the next generation of Financial Crime Specialists. He works closely with law enforcement agencies and professional bodies in mitigating financial crimes.

He currently serves as the Chair of ACFCS’ MENA Chapter and a Member of the ACFE’s Advisory Council, USA. He also sits on the advisory board of a few institutions in the Fintech space.

Ruben Romero

Co-Founder & Advisor

Ruben Romero is a Co-Founder of Unitor. He comes with over 17 years of experience in Technology Sales, Marketing & Business Development with stakeholders in EMEA, the Americas, Oceania & Africa.

Ruben is currently the Business Development Director at Moment Team (Norway). Prior to this, he spent time at Varnish, Sanity.io in building their business development functions.

Ruben Romero

Co-Founder & Advisor

Ruben Romero is a Co-Founder of Unitor. He comes with over 17 years of experience in Technology Sales, Marketing & Business Development with stakeholders in EMEA, the Americas, Oceania & Africa.

Ruben is currently the Business Development Director at Moment Team (Norway). Prior to this, he spent time at Varnish, Sanity.io in building their business development functions.

Vishwanathan Madhavan

Board Advisor

Vishi is a senior Consumer Banking expert in Retail Banking & Payments Risk domains. In his last banking assignment, he was heading the Retail Unsecured Lending for IndusInd Bank.

He has spent over 3 decades of his career in senior leadership roles with institutions such as ANZ Grindlays, HDFC Bank, Deutsche Bank & IndusInd Bank. He is a well-known thought leader who has mentored several next generation bankers in the risk and business space in the Indian banking industry.

He is now pursuing his entrepreneurial journey as the CRO at Finolet, a Fintech start-up. He also sits on the advisory board of select unique business ventures.

Vishwanathan Madhavan

Board Advisor

Vishi is a senior Consumer Banking expert in Retail Banking & Payments Risk domains. In his last banking assignment, he was heading the Retail Unsecured Lending for IndusInd Bank.

He has spent over 3 decades of his career in senior leadership roles with institutions such as ANZ Grindlays, HDFC Bank, Deutsche Bank & IndusInd Bank. He is a well-known thought leader who has mentored several next generation bankers in the risk and business space in the Indian banking industry.

He is now pursuing his entrepreneurial journey as the CRO at Finolet, a Fintech start-up. He also sits on the advisory board of select unique business ventures.

Anil Ramachandran

Board Advisor

Anil is a senior banking professional with over 3 decades of Retail Banking experience across diverse functions and geographies including India, South-East Asia, and the Middle East in CXO roles. In his last banking assignment, he established and headed the Retail Unsecured Lending businesses for IndusInd Bank, in addition to being the CMO for the organization.

Over his career, Anil has worked in senior management roles with Citibank N.A, Standard Chartered Bank, Deutsche Bank, and IndusInd Bank besides a short stint in Private Equity.

He is a qualified Chartered Accountant. Anil today pursues his entrepreneurial ambitions as CBO for a Fintech start-up, in addition to serving in advisory positions to a host of businesses and start-ups.

Anil Ramachandran

Board Advisor

Anil is a senior banking professional with over 3 decades of Retail Banking experience across diverse functions and geographies including India, South-East Asia, and the Middle East in CXO roles. In his last banking assignment, he established and headed the Retail Unsecured Lending businesses for IndusInd Bank, in addition to being the CMO for the organization.

Over his career, Anil has worked in senior management roles with Citibank N.A, Standard Chartered Bank, Deutsche Bank, and IndusInd Bank besides a short stint in Private Equity.

He is a qualified Chartered Accountant. Anil today pursues his entrepreneurial ambitions as CBO for a Fintech start-up, in addition to serving in advisory positions to a host of businesses and start-ups.

Banks & Fintech

Banks & Fintech

We partner with financial institutions in managing the digital identities of their customers and to transition towards a passwordless journey. Our solutions can protect your customers against fraud including Social Engineering, Account Take Over, Identity Theft, SIM Swap, CNP, Credential Stuffing, MITM, and BitM attacks.

We simplify the digital authentication journey with a secure and seamless customer experience. Institutions no longer have to trade-off between security and usability. Our “Zero Knowledge Cryptography” based authentication, ensures customers have Nothing to Remember and Nothing to Compromise.

Payments & E-Commerce

Payments & E-Commerce

The Global Pandemic is driving the Payments Industry towards rapid adoption of digital trends, fueling the demand for alternative and contactless payment models. This digital acceleration has also proliferated the fraud and identity management challenges.

PSPs and Retailers want to make their shopping experience secure and smoother; whilst regulations require two-factor authentication that result in authentication fatigue and possible cart abandonment. Our MFA solutions address these challenges through OTP and Code free authentication experience. We securely establish the digital identities and fight fraud while reducing friction.

Enterprises

Enterprises

With the prevalent hybrid work environment, your workforce needs the flexibility to securely connect from anywhere. We help modernize the workforce authentication of your employees with a secure and seamless experience. Threats against enterprises are growing both in frequency and sophistication, and over 80% of the breaches are the result of weak passwords.

You can now replace passwords with our secure “Zero-Trust” and “Zero-Knowledge” based authentication solutions, while reducing the cost of password resets. We take care of your risks while you focus on your business.

Future Ready Industries

Future Ready Industries

Future ready industries Digital identity is at the heart of the new reality - be it IOT, Metaverse, Crypto, Web3.0 - the future of accessing products and services will depend on how we identify ourselves online.

With accelerating digital adoption digital identity is already at the center of many businesses today including financial services, crpyto, mobility, marketplaces, telcos, big-techs, e-Commerce, insurance, e-government, travel, and automobile. Leveraging on the pandemic fraudsters are carrying out more sophisticated attacks to steal the user identities and misuse them for financial gains. Institutions are under enormous pressure to proactively protect their customers’ digital identities and securely authenticate them. We help institutions differentiate the digital identities of their legitimate customers from fraudsters.

Talk to us about your pain points, we will find a solution for you.