Hi! My name is

Karl Kalouche

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Practice Area

Corporate

Commercial

Banking & Finance

Region

UAE

Karl Kalouche is a Corporate, Commercial & Banking Partner based in Dubai, with extensive experience across private practice and senior in-house roles within the UAE banking sector. He advises financial institutions, businesses and private clients on banking and financial services matters, corporate and commercial law, litigation and dispute resolution, arbitration, regulatory compliance and complex contractual matters.

Having held legal positions within both Commercial Bank of Dubai and National Bank of Fujairah, Karl brings a strong understanding of the legal, regulatory and commercial challenges faced by financial institutions and their clients. His experience ranges from banking disputes, financing arrangements and security documentation to corporate restructuring, joint ventures and cross-border legal matters. He is fluent in English and Arabic and speaks intermediate French.

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Highlights

Extensive experience working within the UAE banking and legal sectors
Managed litigation matters and legal risk within Commercial Bank of Dubai
More than five years' experience within National Bank of Fujairah's legal function
Drafted and reviewed a broad range of banking, finance and commercial agreements
Experience advising on financing, guarantees, security arrangements and banking disputes
Advised on company formations, restructurings and joint ventures
Experience reviewing Islamic banking products and associated legal requirements
Worked on cross-border legal initiatives involving regional and international law firms
Fluent in English and Arabic, with intermediate French

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Expertise

Banking & Financial Services
Corporate & Commercial Law
Litigation & Dispute Resolution
Arbitration & Mediation
Contract Drafting & Negotiation
Banking Litigation & Borrower Disputes
Legal Risk Management
Regulatory Compliance
Corporate Restructuring & Joint Ventures
Cross-Border Legal Advisory
Islamic Banking & Financial Products

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Career History

Dr. Hamad Al Ustath Advocates & Legal Consultants
Legal Counsel & Researcher | June 2024 – Present

Ardalan Legal Consultant and Advocates
Manager of Legal & Banking Department | May 2023 – May 2024

Commercial Bank of Dubai
Legal Manager | September 2022 – April 2023

National Bank of Fujairah
Junior Lawyer | June 2017 – October 2022

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Education

Solicitor Qualification – England & Wales

‍SQE2 Exempted | 2025–2026