Leadership
Rafe Haneef
Chief Executive Officer
Rafe Haneef
Chief Executive Officer
Appointment to current position 19 August 2024
Academic/Professional Qualification
- Chartered Islamic Finance Professional (ACIFP), Chartered Institute of Islamic Finance Professionals
- Securities Representative License, Securities and Futures Authority (SFA), United Kingdom
- New York Bar, Qualified, New York Bar, United States of America
- Malaysian Bar, Admitted, Bar Council, Malaysia
- Master of Laws (LL.M), Harvard Law School, United States of America
- Bachelor of Laws (Hons) LL.B., International Islamic University, Malaysia
Working Experience and Occupation
Present Directorship Other listed entities
- Nil
Other Public Companies
- Halal Development Corporation Berhad
Present Appointment:
- Chief Executive Officer (CEO), MBSB Bank Berhad (19 August 2024 – Present)
Past Directorship and/or Appointment
- Non-Independent Executive Director, MIDF Amanah Investment Bank Berhad (February 2024-August 2024)
- Chief Executive Officer, CIMB Group Transaction Banking (2019-2023)
- Chief Executive Officer, CIMB Foundation (2019-2023)
- Group Chief Sustainability Officer, CIMB Group (2019-2021)
- Chief Executive Officer & Executive Director, CIMB Islamic Bank Berhad (2016-2019)
- Chief Executive Officer & Executive Director/ Managing Director, Global Market, Asia Pacific, HSBC Amanah Bank Berhad (2010-2015)
- Managing Director, Investments, Fajr Capital Ltd (2008-2010)
- Regional Head, Asia-Pacific, CitiBank Berhad (2006-2007)
- Global Head, Global Islamic Finance, ABNAMRO Bank Ltd (2004-2006)
- Associate Director, Global Markets, HSBC Financial Service ME Ltd (2001-2004)
- Head of Shariah Department and Transaction Management, Structured Finance, HSBC Investment Bank plc (1999-2001)
- Associate & Solicitor, Messrs. Mohd Ismail & Co (1994-1999)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Shahnaz Jammal
Chief Financial Officer
Shahnaz Jammal
Chief Financial Officer
Appointment to current position 01 June 2024
Academic/Professional Qualification
- Master in Philosophy in Economic, University of Oxford
- Master of Arts and Bachelor of Arts in Economics (Double First Class), University of Cambridge
- United World College of Southeast Asia (UWCSEA), Singapore
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Group CFO, TIME dotCom Berhad (October 2021 - May 2024)
- Chief Executive Officer, Group Wholesale Banking, CIMB Group (January 2019 - September 2020)
- Group Chief Financial Officer, CIMB Group (April 2015 - December 2018)
- Deputy Group Chief Financial Officer, CIMB Group (July 2012 - March 2015)
- Various Roles, CIMB Group (March 2009 - June 2012)
- EMEA (Europe, Middle East & Africa) Head of Market Risk, Goldman Sachs, London (April 2004 - February 2009)
- Market Risk Manager, Dresdner Kleinwort Wasserstein, London (July 2002 - March 2004)
- Trader, ABN AMRO Bank, Malaysia (April 1999 - August 2000)
- Bankers Trust, London (September 1996 - January 1999)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Usman Ghouse
Chief Consumer Banking Officer
Usman Ghouse
Chief Consumer Banking Officer
Appointment to current position 01 September 2024
Academic/Professional Qualification
- Chartered Islamic Finance Professional (ACIFP), Chartered Institute of Islamic Finance Professionals
- Completion of the Omega Credit certification
- Bachelor of Business Commerce (double Major in Management and Marketing), Monash University
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Board Director: CIMB Islamic Trustee Bhd (2022-2023)
- Country Head of Cash Management, CIMB Malaysia (2022-2023)
- Regional Head of Transaction Banking, CIMB Islamic Bank (2020-2023)
- Director, Commercial and Transaction Banking, CIMB Islamic Bank (2019-2020)
- Head, Business Management, Commercial Banking, HSBC Amanah Malaysia (2018-2019)
- Head of Product, Retail and Wealth Management, HSBC Amanah Malaysia (2014-2018)
- Product Manager, Retail and Wealth Management, HSBC Amanah Malaysia (2012-2014)
- Analyst, Retail and Wealth Management, HSBC Amanah Malaysia (2011-2012)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Kuldeep Singh
Chief Wholesale Banking Officer
Kuldeep Singh
Chief Wholesale Banking Officer
Appointment to current position 01 August 2024
Academic/Professional Qualification
- Master of Business Administration, Imperial College, London, UK
- Bachelor of Science, Medical Electronics, The University of Hertfordshire, Hertfordshire, UK
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Head of Markets & Securities Services (ASEAN+), CITI Singapore (April 2015 - December 2022)
- Head of Strategic Growth & Investments APAC, CITI Singapore (January 2018 - December 2022)
- Global Head of Supervision FXLM (foreign exchange and local markets) CITI Singapore/London, UK/New York, USA (April 2014 – April 2015)
- Country Treasurer & Markets Head, CITI Hong Kong (March 2010- March 2014)
- Country Markets Head & Managing Director, Citi (2008-2009)
- Head of Money Markets & Treasurer, Citi (2005-2008)
- Trader roles in Money Markets & FX Options (Malaysia, Indonesia, Singapore), Citi, (2000-2005)
- Management Associate, Citi, (1998-2000)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Noor Mohamed Amin Mohamed
Chief Commercial Banking Officer
Noor Mohamed Amin Mohamed
Chief Commercial Banking Officer
Appointment to current position 15 July 2025
Academic/Professional Qualification
- Bachelor of Commerce (Accounting & Finance), La Trobe University, Australia
- Accredited by the Institute of Chartered Accountants in Australia (ICAA) and the Australian Society of Certified Practising Accountants (ASCPA)
- Leadership Professional Development Program, La Trobe University
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Head, Islamic Business & Market Coverage, Alliance Islamic Bank (Sept 2022 – July 2025)
- Head, Business Development – Commercial Banking, CIMB Islamic Bank (Sept 2018 - Jun 2022)
- Head, Amanah Business Banking – Commercial Banking, HSBC Amanah Malaysia Berhad (Jan 2013 -Aug 2017)
- Business/Relationship Manager – Commercial Banking, HSBC Amanah (Mar 2009 - Dec 2012)
- Team Leader, Direct Sales Team – Commercial Banking, HSBC Bank Malaysia (Feb 2008 - Mar 2009)
- Relationship Executive – Commercial Banking, HSBC Bank Malaysia (Aug 2005 - Feb 2008)
- Corporate & Personal Sales Executive, MBF Cards Malaysia (2002 - 2005)
- Assistant Marketing Manager, Layar Terbang Confectioneries Sdn. Bhd. (1999 - 2002)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Jesleigh Johari
Chief Operating Officer
Jesleigh Johari
Chief Operating Officer
Appointment to current position 01 January 2022
Academic/Professional Qualification
- Bachelor of Economics majoring in Economic Policy, University of Tasmania Australia
Working Experience and Occupation
Present Directorship and/or Appointment
- Director, MBSB Tower Sdn. Bhd.
Past Directorship and/or Appointment
- Director, Head of Client Delivery, Corporate Commercial and Institution Banking, Standard Chartered Bank Malaysia Berhad (2018-2021)
- Director, Head of Process Governance, Commercial Banking, Standard Chartered Bank Malaysia Berhad (2014-2018)
- Associate Director, Head of SME Operations, Standard Chartered Bank Malaysia Berhad (2012-2014)
- Business Planning Manager/ Team Manager, Financial Market Operations and Wholesale Banking Operations, Standard Chartered Global Business Services (2009-2012)
- Unit Manager, Trade Operations, Standard Chartered Global Business Services (2009)
- International Graduate Program (Group Technology and Operations), Standard Chartered Singapore and Standard Chartered Global Business Services Kuala Lumpur (2006-2009)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Dato’ Azlan Shahrim
Chief Strategy Officer
Dato’ Azlan Shahrim
Chief Strategy Officer
Appointment to current position 01 May 2021
Academic/Professional Qualification
- Advanced Management Program, Wharton School, University of Pennsylvania, United States of America
- Master of Laws, LL.M, International Business Law, University of Exeter, United Kingdom
- Called to the Bar of England & Wales, Gray’s Inn, United Kingdom
- Bachelor of Laws, LLB. (Hons), University of Kent, United Kingdom
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Group Director, Group Managing Director’s Office, DRB-HICOM Berhad (2019-2020)
- Group Chief Operating Officer, POS Malaysia Berhad (2015-2019)
- Group Director, Corporate Strategy & Transformation, DRB-HICOM Berhad (2014-2015)
- Deputy Chief Executive Officer, Pelabuhan Tanjung Pelepas Sdn. Bhd. (2009-2014)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Laurence Ong Wooi Keat
Chief Risk Officer
Laurence Ong Wooi Keat
Chief Risk Officer
Appointment to current position 15 March 2022
Academic/Professional Qualification
- Chartered Accountant, Malaysia
- Chartered Banker, United Kingdom
- Professional Member of Institute of Operational Risk, United Kingdom
- Bachelor of Accounting, University of Malaya
Working Experience and Occupation
Present Directorship and/or Appointment
- Member of AICB Industry Curriculum and Examination Committee (ICEC)
- Member of AICB Chief Risk Officers’ Forum
- Member of the BNM-SC Joint Committee on Climate Change (JC3) Sub-Committee 1 (SC1) : Risk Management
Past Directorship and/or Appointment
- Member Of Risk Committee, Malaysian Investment Bank Association (MIBA)
- Member Of Fraud Risk Committee, Association Of Banks In Malaysia (ABM)
- Country Risk Officer/Head, Risk Management, RHB Bank Singapore (2019-2022)
- Senior Vice President, Head, IGNITE Risk Initiative Lead / Head, Group Operational And Technology Risk, RHB Bank Berhad (2014-2019)
- General Manager / Head, Group Operational Risk, Ambank (M) Berhad (2003-2014)
- Vice President, Affin Merchant Bank (2002-2003)
- Manager, Financial Review & Surveillance Division (FRS), Bursa Malaysia Berhad (1999-2002)
- Senior Executive, Bank Regulation Department, Bank Negara Malaysia (1995-1999)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Tengku Khalizul Tengku Khalid
Chief Compliance Officer
Tengku Khalizul Tengku Khalid
Chief Compliance Officer
Appointment to current position 07 February 2018
Academic/Professional Qualification
- Bachelor of Science in Business Administration (Finance), Northern Arizona University, United States of America
- Certificate in Internal Auditing for Financial Institutions (CIAFIN), Asian Institute of Chartered Bankers (AICB)
- Certificate in Regulatory Compliance, Asian Institute of Chartered Bankers (AICB)
- Associate Qualification in Islamic Finance (AQIF), Islamic Banking and Finance Institute Malaysia (AQIF)
- Certificate in Shariah Audit, University Sains Islam Malaysia
- Chartered Professional in Islamic Finance, Chartered Institute of Islamic Finance Professionals (CPIF)
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Head of Compliance, MBSB (2017)
- Deputy Head of Compliance, MBSB (2014-2016)
- Internal Audit Manager, Kuwait Finance House Malaysia Berhad (2011-2013)
- Control Assurance Manager, Kuwait Finance House Malaysia Berhad (2008-2010)
- Assistant Manager, Internal Audit Division, Public Bank Berhad (2006-2007)
- Team Lead, Internal Audit Division, Public Bank Berhad (2000-2005)
- Senior Officer, Internal Audit Division, Public Finance Berhad (1997-1999)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Aniza Zakaria
Chief Internal Auditor
Aniza Zakaria
Chief Internal Auditor
Appointment to current position 01 January 2017
Academic/Professional Qualification
- Chartered Banker, Asian Institute of Chartered Banker
- Masters in Islamic Finance Practice, INCEIF - The Global University of Islamic Finance
- Certification for Bank Auditors - Asian Institute of Chartered Bankers
- Professional Certificate in Islamic Banking, INCEIF - The Global University of Islamic Finance
- Certificate in Internal Auditing for Financial Institutions - Asian Institute of Chartered Bankers
- Shariah Audit Certificate - Universiti Sains Islam Malaysia (USIM)
- Bachelor in Science in Finance & Management, University of Oregon, USA
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Head, Internal Audit Division, MBSB (2017-2018)
- Acting Head, Internal Audit Division, MBSB (2016-2017)
- Assistant Vice President, Internal Audit Division, MBSB (2014-2016)
- Senior Manager Internal Audit, Kuwait Finance House (M) Berhad (2010-2014)
- Head, Credit Risk Management, Risk Management Department, Maybank Investment Bank Berhad (2004-2010)
- Senior Executive, Corporate Banking Department, Maybank Investment Bank Berhad (2002-2004)
- Assistant Manager, Credit Department, KL Main Branch, EON Bank Berhad (1998-2001)
- Senior Officer, Internal Audit, EON Bank Berhad (1997-1998)
- Management Trainee, EON Bank Berhad (1997-1997)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- She has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Ashraf Gomma Ali
Chief Shariah and Sustainability Officer
Ashraf Gomma Ali
Chief Shariah and Sustainability Officer
Appointment to current position 01 August 2024
Academic/Professional Qualification
- Master's in Islamic Finance Practice (MIFP), International Centre for Education in Islamic Finance (INCEIF), Kuala Lumpur, Malaysia (2014)
- Bachelor of Laws (LLB) in Shariah, Umm Al Qura University, Mecca, Saudi Arabia (2015)
- Bachelor of Science in Finance, University of Maryland, College Park, Maryland, USA (2005)
- AAOIFI Certified Shariah Auditor and Advisor
- Cambridge Institute of Sustainability Leadership Certificate, Cambridge University (2024)
Working Experience and Occupation
Present Directorship and/or Appointment
- AAOIFI Governance Standards Working Group - Shariah Decision Making Standard
Past Directorship and/or Appointment
- Co-Founder/CFO, Sharia Compliant Blockchain Fintech Startup, Europe (August 2022-July 2024)
- Consultant - Islamic Banking Expert, World Bank/IFC, Washington, DC (February 2022-July 2024)
- Managing Director, Ihsan Advisory Sdn Bhd, Kuala Lumpur, Malaysia (April 2021-July 2024)
- Research Associate and Standards Working Group Member, AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) (2019-July 2024)
- Director and Regional Head, Shariah Advisory and Governance Department, CIMB Islamic Bank, Kuala Lumpur, Malaysia (April 2017-2021)
- Shariah Supervisory Board Member, University Bank, Ann Arbor, MI (2015-2018)
- Vice President, Shariah Assurance Manager, National Commercial Bank (NCB), Jeddah, Saudi Arabia (2011-April 2017)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- He has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of his appointment.
Koh Ai Hoon
Legal and Company Secretarial
Koh Ai Hoon
Legal and Company Secretarial
Appointment to current position 02 May 2008
Academic/Professional Qualification
- Institute of Chartered Secretaries & Administrators
- Bachelor of Laws (Hons) LL.B., University of London
- Associate Qualification in Islamic Finance from Islamic Banking and Finance Institute Malaysia (AQIF)
Working Experience and Occupation
Present Directorship and/or Appointment
- Nil
Past Directorship and/or Appointment
- Deputy Vice President/Head Internal Auditor, MBSB (2017-2018)
- Acting Head of Internal Auditor, Internal Audit, MBSB (2016-2017)
- Assistant Vice President, Internal Audit, MBSB (2014-2016)
- Senior Manager Internal Audit, Kuwait Finance House (M) Berhad (2010-2014)
- Senior Executive, Corporate Banking Department Maybank Investment Bank Berhad (2004-2010)
- Management Trainee, Eon Bank Berhad (2004-2010)
- Manager, Team Head, Credit Risk Management, Maybank Investment Bank Berhad (2002-2004)
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- Head, Legal & Secretarial, Dataprep Holdings Berhad (2003-2008)
- Company Secretary, The KAB Group Berhad (2000-2003)
- Assistant Company Secretary, Sungei Way Management Sdn. Bhd. (nka Sunway Management Sdn. Bhd.) (1996-1999)
- Assistant Company Secretary, Prima Prai Sdn. Bhd. (1995-1996)
- Hew & Tan, Public Accountants (nka Mazars PLT) (1991-1995)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including any interest in any competing business with MBSB Group.
- She has not been convicted for any offences within the past 5 years and has not been imposed of any public sanction or penalty by the relevant regulatory bodies as at the date of her appointment.