A graduate from the University of Canberra in Australia, Muhammad started to work in the Accounting and Tax advisory service line while completing his studies to qualify as an Australian chartered accountant. He achieved this in 1992 and a few years later, he moved to Luxembourg to join Fiduciaire Générale de Luxembourg (Deloitte S.A.), specializing in audits of the financial sector (principally banks and financial sector professionals). In June 2004, Muhammad left Deloitte as a senior manager and joined Nordea Bank Luxembourg S.A. as their Chief Financial Officer, in charge of legal and statutory reporting, management reporting, budgeting and forecasting as well as invoicing.
Following that experience, he took the decision to join RBC Dexia, a joint venture between Dexia and Royal Bank of Canada created in January 2006 and immediately ranked as one of the top ten worldwide global custodians. His initial role there was two-fold: firstly as Head of Finance of the Luxembourg entity, focusing in particular on legal and regulatory reporting, and secondly as the Global Head of Regulatory and Statutory reporting. In 2007, Muhammad was promoted to the position of CFO of the Bank and became a member of the Bank’s Executive Committee, responsible for the daily management of the Bank. Muhammad was also a voting member of the Bank’s Credit Committee and the deputy president of the Assets and Liabilities Committee.
In 2010, Muhammad re-joined Deloitte as an audit partner, working on efficiency reviews, internal procedures as well as looking after a portfolio of financial sector clients. In March 2012, Muhammad left Deloitte to start a new career with a start-up company before deciding to join Mazars as from February 2013.