Kholoud M. Al Saqqaf was awarded a BA degree in Economics and Accounting, and a Master's degree in Economics and Statistics from the University of Jordan in 1988 and 1993.

Al Saqqaf has more than 25 years of experience in banking, finance and financial regulation, and currently serves as Executive Vice President, Group Risk Management Head at Arab Bank, Plc.
 
She began her career as a researcher at the Jordan Phosphate Mines Company’s Research & Development Department, where she spent five years there. In 1993, she moved to the Central Bank of Jordan and held several positions during the periods (1993 – 2004) and (2006 -2012), including Executive Manager of the Banking Supervision Department, and Deputy Governor of the Central Bank of Jordan, becoming the first Arab woman to occupy such a regulatory position.
 
Al Saqqaf has a strong background in Corporate Governance, Internal Control and Islamic Banking. She has prepared Corporate Governance guidelines, including the preparation of Banks’ Directors’ Handbook of Corporate Governance (2004), as well as establishing Internal Control regulations addressed to banks operating in Jordan.
 
Upon joining the Arab Bank in 2012, Al Saqqaf first assumed the position of Executive Vice President, Country Manager of Jordan & Palestine until she was appointed as Executive Vice President, Group Risk Management.
 
Al Saqqaf has served and is serving as member in the Boards of the Central Bank of Jordan (Vice Chairman), Jordan Mortgage Refinance Company (Chair), Social Security Corporation, Insurance Commission, Arab National Leasing Company, and on the National Committee for Anti-Money Laundering.
 
Moreover, she is currently a board member of the first Jordanian Credit Bureau Company CRIF- Jordan, Ethmar Islamic Microfinance Company, Business Development Centre and Vice President of the Board of the International Women's Forum – Jordan Chapter.
 
Kholoud believes that in order to succeed you have to believe in yourself first …. "Where there is a will there is a way" …. "if you are determined enough, you can find a way to achieve what you want, even if it is very difficult," she says.
 
Her advice to the students is “Make sure you actually care about what you’re doing and spend as much time as possible at the institute building on the foundations of what you’re taught. Be willing to learn from the other students and help them in turn. Work hard and practice things when you learn them so you know you can do them again. Take advantage of the facilities and people around you. You can learn a lot just by talking to like minded people.”