Ahmad Hammoud

Ahmad Hammoud

Director – AI, Data Science & Digital Transformation

Enterprise AI leader translating strategy into production systems, building AI that ships, scales, and delivers measurable business value across insurance, telecom, financial services, and beyond.

📧 Email Me 💼 LinkedIn

Professional Summary

7+ years building and leading enterprise AI programs that go from whiteboard to production—across insurance, telecommunications, and financial services. From deploying reinforcement learning at scale to architecting LLM/RAG platforms used by 400+ daily users, I operate at the intersection of technical depth and executive strategy.


I've built data science teams from scratch, managed $15M innovation budgets, defined multi-year AI roadmaps, and served as the only non-executive on a C-suite AI governance council. My work doesn't stop at the model—it drives measurable outcomes: cost savings, automation at scale, and transformation that sticks.

Professional Experience

Director, Artificial Intelligence & Advanced Analytics

Northbridge Financial Corporation – Data & Analytics

Oct 2025 - Present | Toronto, ON

  • Promoted to Director overseeing both AI and Advanced Analytics teams, providing enterprise-wide data and analytics support across all business units including Underwriting, Claims, Actuarial, and Sales
  • Spearheading the Small Business Accelerator—an agentic AI solution automating the full underwriting lifecycle from submission intake and data extraction to risk assessment, decisioning, and auto-quoting for micro-business policies
  • Founded and chair the enterprise AI Community of Practice with representatives from every business unit, driving AI literacy, Copilot adoption, and best practices in governance and responsible AI usage
  • Designing and implementing a company-wide AI governance framework covering policy, risk management, and responsible AI standards across all business functions

Senior Manager, Artificial Intelligence & Machine Learning

Northbridge Financial Corporation – Data & Analytics, AI/ML Solutions

June 2023 - Sep 2025 | Toronto, ON

  • Led end-to-end AI strategy and delivery across the enterprise, managing a team of 8 data scientists and overseeing 12+ fully productionized ML and Gen AI use cases across Underwriting, Claims, Risk Services and Sales
  • Delivered 6 Gen AI use cases estimated to save over $15M over 3 years, including automating claims intake, underwriting submissions, lead generation and email routing
  • Led the design and implementation of an enterprise-grade GenAI development environment in Azure, and built a full MLOps framework enabling scalable, governed AI/ML deployment
  • Appointed as the only non-executive member of the company's AI Council alongside the CTO, CIO, Chief Actuary and SVPs of Claims and Underwriting to define AI governance and strategic priorities

Senior Manager, Artificial Intelligence

Bell Canada – Customer Experience, Data Engineering & Artificial Intelligence

Jan 2022 – May 2023 | Toronto, ON

  • Led enterprise AI transformation across customer operations, directing 10 data scientists and managing $15M digital innovation budget
  • Delivered Bell's Virtual Repair Program, transforming customer experience for millions of users through strategic digitization initiatives
  • Deployed reinforcement learning solutions powering 3,000+ daily interactions, achieving $2.7M annual cost savings and 300,000+ call reduction
  • Established 3-year AI strategic roadmap for enterprise-wide digital repair transformation, defining long-term technology vision

Senior Manager, Advanced Analytics

Bell Canada – Customer Experience, Field Services

Jan 2021 – Dec 2021 | Toronto, ON

  • Built and scaled analytics organization from ground up, establishing 8-person data science team to drive Bell's digital transformation strategy
  • Launched enterprise-wide network intelligence platform, proactively serving 1M+ customers with real-time outage detection and communication
  • Developed executive decision-support systems impacting 5M annual customer interactions through advanced analytics and AI-driven insights
  • Directed Graduate Leadership Program, building organizational capability through strategic talent acquisition and development of 15+ emerging leaders

Developer & Analyst, Data Science & Business Intelligence

Bell Canada – Customer Experience, Field Services, Graduate Leadership Program

Mar 2018 – Dec 2020 | Toronto, ON

  • Led cross-functional analytics transformation across 4 business units, establishing data-driven decision frameworks and governance processes
  • Optimized $7M operational budget through advanced ML algorithms, achieving 2.5x ROI improvement on maintenance operations
  • Developed automated billing solutions generating $300K+ annual savings while improving operational efficiency and accuracy
  • Delivered enterprise business intelligence platform with 10+ executive dashboards, enabling strategic performance monitoring and forecasting

Education

Master of Engineering – Industrial Engineering

University of Toronto

GPA: 4.0/4.0

Dec 2017 | Toronto, ON

Specialization in Data Science & Analytics

Bachelor of Engineering – Mechanical Engineering

McGill University

GPA: 3.9/4.0 – Dean's Honor List

May 2016 | Montreal, QC

Core Competencies

Leadership & Strategy

Team Building Strategic Planning Stakeholder Management Change Management Executive Communication

Business & Finance

Business Case Development Budget Planning Digital Transformation ROI Optimization

Technical Tools

Python SQL TensorFlow

AI/ML Frameworks

OpenAI LLM/RAG Prompt Engineering Agentic AI MLOps GenAI

Cloud & Platforms

Azure Snowflake PowerBI

Industry Experience

Financial Services Insurance Telecommunications

Languages

English Arabic

Let's Connect

Ahammoud95@gmail.com
UAE: +971-50-3144820
Canada: +1 (514) 559 1453
Abu Dhabi, UAE / Toronto, Canada

Enterprise AI Leadership

Strategic AI implementations delivering measurable business transformation across insurance and telecommunications

⚡

Small Business Accelerator

Agentic AI: End-to-End Underwriting Lifecycle Automation for Micro-Business Policies

Agentic AI Full Lifecycle Automation Auto-Quoting Current Initiative

🎯 Strategic Objective

Automate the full underwriting lifecycle for micro-business policies—from submission intake and data extraction through risk assessment, decisioning, and auto-quoting—eliminating manual touchpoints and accelerating time-to-quote.

! Leadership Challenge

  • Coordinating across Underwriting, Claims, Actuarial, and Sales to align on a unified agentic AI architecture
  • Designing an end-to-end system that handles unstructured submission data with high accuracy
  • Building organizational buy-in for fully automated decisioning on live business policies

⚙️ My Approach

  • Architected a multi-agent AI system covering the complete underwriting workflow end-to-end
  • Partnered with Actuarial to integrate pricing models directly into the automated decisioning pipeline
  • Established governance checkpoints to ensure responsible AI usage throughout automated workflows

📊 Business Impact

  • Full lifecycle automation from submission intake to auto-quote generation
  • Elimination of manual touchpoints across the micro-business underwriting process
  • Faster time-to-quote enabling competitive advantage in the small business segment
  • Scalable agentic framework extensible to additional lines of business
🤖

Market Reservation Automation

GenAI Transformation: From 12-Person Manual Process to Automated Excellence

100K+ Annual Submissions 50% Automation Rate 95%+ Accuracy 6 FTE Reduction

🎯 Strategic Objective

Transform manual underwriting bottleneck preventing business growth and eliminate expensive contractor dependency through intelligent automation.

! Leadership Challenge

  • 200+ broker partners with zero standardization across submission formats
  • 12-person team overwhelmed, business pressure for faster decisions
  • Complex change management across IT, business operations, and external partners

⚙️ My Approach

  • Built cross-functional coalition spanning IT, operations, and broker relations
  • Designed phased rollout strategy to minimize disruption during implementation
  • Led stakeholder alignment sessions to gain buy-in from resistant team members

📊 Business Impact

  • 60,000 submissions automated annually with 95% accuracy
  • Eliminated 6 contractor positions reducing operational dependency
  • Faster underwriting decisions enabling business growth
  • Successful change management: Smooth transition across all broker partners
📚

Executive Underwriting Agent

AI Knowledge Management: 400+ Underwriters, Complex Document Intelligence

400+ Daily Users Hundreds of Documents Real-time Queries Complex Format Processing

🎯 Strategic Objective

Democratize complex underwriting knowledge across 400+ underwriters to ensure consistent decision-making and preserve institutional expertise.

! Leadership Challenge

  • Hundreds of complex guideline documents with no centralized access
  • Inconsistent underwriting decisions impacting business risk
  • Knowledge preservation as senior underwriters approached retirement

⚙️ My Approach

  • Collaborated with underwriting leadership to prioritize knowledge capture
  • Led user experience design sessions with underwriters to ensure adoption
  • Managed technical complexity while maintaining focus on business usability

📊 Business Impact

  • 400+ daily active users across all underwriting teams
  • Instant access to complex underwriting guidelines
  • Consistent decision-making across the entire organization
  • Knowledge preservation of critical institutional expertise
🔧

Bell's Virtual Repair Program

$15M Digital Transformation: Leading 50+ Person Cross-Functional Initiative

$15M Budget $2.7M Annual Savings 300K+ Call Reduction 50+ Team Members

🎯 Strategic Objective

Eliminate costly field technician dispatches by enabling customer self-service through AI-powered troubleshooting and repair guidance.

! Leadership Challenge

  • Coordinating 50+ IT professionals across 2-year enterprise transformation
  • Balancing customer experience with operational cost reduction
  • Managing stakeholder expectations across technology and field operations

⚙️ My Approach

  • Established cross-functional governance structure with clear escalation paths
  • Built reinforcement learning strategy based on successful troubleshooting patterns
  • Led change management for field teams transitioning to digital-first support model

📊 Business Impact

  • 300,000 calls eliminated annually = $2.7M savings
  • Millions of customers enabled for self-service repair
  • 2-year successful execution with 50+ person coordination
  • Digital-first transformation across field operations
🔮

Preventative Maintenance AI

$7M Budget Optimization: 2.5x ROI Through Predictive Intelligence

$7M Budget 2.5x ROI Improvement Predictive Analytics End-to-End System

🎯 Strategic Objective

Transform reactive maintenance approach into predictive intelligence system to optimize infrastructure investments and prevent service disruptions.

! Leadership Challenge

  • Multiple data sources requiring complex integration across operational teams
  • Field technicians needing new tools and workflow changes
  • Proving ROI on predictive approach versus established reactive processes

⚙️ My Approach

  • Designed comprehensive change management plan for field workforce adoption
  • Led data integration strategy across multiple operational systems
  • Built business case demonstrating long-term infrastructure optimization benefits

📊 Business Impact

  • $2M annual savings through intelligent maintenance prioritization
  • Complete digitization of technician workflows
  • Proactive infrastructure management replacing reactive approach
  • Successful workforce transition to predictive maintenance model
🏌️

Golf Canada Claims Automation

AI Innovation: Transforming Outsourced Claims into Profitable Automated Solutions

$500K Annual Savings 70% Automation Rate 6-Month Implementation End-to-End Portal

🎯 Strategic Objective

Transform unprofitable outsourced claims processing into viable in-house operation through end-to-end automation and customer self-service.

! Leadership Challenge

  • Claims were previously not economically viable to process internally
  • Complex coordination across Digital, UX, IT, Claims, and Business teams
  • Building new capability while maintaining service quality standards

⚙️ My Approach

  • Led business case development to justify bringing outsourced work in-house
  • Coordinated 5 different teams through 6-month aggressive delivery timeline
  • Designed customer-facing portal strategy to improve experience while reducing costs

📊 Business Impact

  • $500K annual savings by bringing outsourced claims processing in-house
  • 70% automation rate with AI-powered document and image processing
  • 6-month delivery through effective cross-functional team coordination
  • New profitable service offering: Transformed unprofitable claims into viable business opportunity

Additional AI Solutions Portfolio

Claims Automation (FNOL)
70% automation, 85%+ accuracy, thousands monthly
Automated Service Mailbox
15 inbox monitoring, 35+ request types, 12 FTE savings
Lead Generation AI
Third-party data integration, risk assessment automation
Fraud Detection Models
Advanced pattern recognition for claims processing
Network Outage Intelligence
Proactive customer notification, 1M+ customers served
Staffing Optimization
Predictive models for resource planning and allocation

Leadership Excellence

🏛️ Strategic Governance

  • AI Council Member: Only non-executive on C-suite AI governance board
  • Policy Development: Defined enterprise AI ethics and governance frameworks
  • Strategic Planning: Multi-year AI roadmap development across organizations

👥 Team Building & Development

  • Graduate Leadership Program: Hired, onboarded, and mentored 15+ emerging leaders
  • Team Scaling: Built analytics organizations from ground up (8+ person teams)
  • Change Management: Successfully transitioned teams through AI automation

🤝 Cross-Functional Leadership

  • Executive Alignment: Regular collaboration with CTO, CIO, Chief Actuary, SVPs
  • IT Partnership: Led technical architecture decisions with infrastructure teams
  • Business Integration: Aligned AI initiatives with operational and financial goals

Ready to Drive AI Transformation?

Let's discuss how my proven track record in delivering enterprise AI solutions can accelerate your organization's digital transformation goals.

Ahammoud95@gmail.com
UAE: +971-50-3144820
Canada: +1 (514) 559 1453
Abu Dhabi, UAE / Toronto, Canada