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 and Appointment
- Chief Executive Officer (CEO), MBSB Bank Berhad (19 August 2024 - Present)
- Director, Halal Development Corporation Berhad
- President of Association of Islamic Banking and Financial Institution Malaysia (AIBIM)
Past Directorships and Appointments
- Executive Director, MIDF Amanah Investment Bank Berhad (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 interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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 Appointment
- Nil
Past Directorships and Appointments
- Group Chief Financial Officer, TIME dotCom Berhad (2021–2024)
- Chief Executive Officer, Group Wholesale Banking, CIMB Group (2019–2020)
- Group Chief Financial Officer, CIMB Group (2015–2018)
- Deputy Group Chief Financial Officer, CIMB Group (2012–2015)
- Various Roles, CIMB Group (2009–2012)
- EMEA (Europe, Middle East & Africa) Head of Market Risk, Goldman Sachs, London (2004–2009)
- Market Risk Manager, Dresdner Kleinwort Wasserstein, London (2002-2004)
- Trader, ABN AMRO Bank, Malaysia (1999-2000)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- 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 interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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 majoring in Accounting and Finance from La Trobe University, Australia with accreditation from ICAA (Institute of Chartered Accountant in Australia) and ASCPA (Australian Society of Certified Practicing Accountant).
- B. Comm. Honors Program by the Education Board of La Trobe University.
- Foundation Studies under the ACHEM (Australia Consortium of Higher Education in Malaysia), MARA Science College.
Working Experience
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- Head, Islamic Business & Market Coverage, Alliance Islamic Bank Berhad (2022-2024)
- Head, Business Development, Commercial Banking, CIMB Islamic Bank Berhad (2022)
- Head, Amanah Business Banking, Commercial Banking, HSBC Amanah Malaysia Berhad (2013-2017)
- Business/Relationship Manager JB, Commercial Banking , HSBC Amanah Malaysia Berhad (2009-2012)
- Team Leader, Direct Sales Team (Regional South), Commercial Banking , HSBC Bank Malaysia Berhad (2008-2009)
- Relationship Exec, Commercial Banking, HSBC Bank Malaysia Berhad (2005-2008)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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
Present Directorship and Appointment
- Director, MBSB Tower Sdn. Bhd.
Past Directorships and Appointments
- Director, Head of Client Delivery, Corporate, Commercial and Institutional 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 interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- 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 interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
Iskandar Shah Zulkarnain
Chief People Officer
Iskandar Shah Zulkarnain
Chief People Officer
Appointment to current position 15 January 2026
Academic/Professional Qualification
- Chartered Islamic Finance Professional (CIFP), CIIF 2023
- MBA, University Utara Malaysia 2008
- Bachelor of Information Technology, Multimedia University 2004
Working Experience
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- Group Chief Human Resources Officer, Bank Islam Malaysia Berhad (2019-2026)
- Director of Human Resources, Al Rajhi Bank (Malaysia) (2015-2019)
- Head of Human Resources, HSBC Amanah (2014-2015)
- Senior Business Relationship Manager, Maybank (2011-2014)
- HR Business Partner, Shell Malaysia (2006-2011)
- Executive, International Operations, Telekom Malaysia (2004-2006)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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
Present 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 Experience
- 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)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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)
- Certified Integrity Officer (CeIO)
Working Experience
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- 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)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- 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)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
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
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- Co-Founder/CFO, Sharia Compliant Blockchain Fintech Startup, Europe (2022-2024)
- Consultant - Islamic Banking Expert, World Bank/IFC, Washington, DC (2022-2024)
- Managing Director, Ihsan Advisory Sdn Bhd, Kuala Lumpur, Malaysia (2021-2024)
- Research Associate and Standards Working Group Member, AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) (2019-2024)
- Director and Regional Head, Shariah Advisory and Governance Department, CIMB Islamic Bank, Kuala Lumpur, Malaysia (2017-2021)
- Shariah Supervisory Board Member, University Bank, Ann Arbor, MI (2015-2018)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
Azhar Syarawi Mohamed Mokhtar
Chief Credit Officer
Azhar Syarawi Mohamed Mokhtar
Chief Credit Officer
Appointment to current position 15 January 2026
Academic/Professional Qualification
- Chartered Islamic Finance Professional (CPIF) 2024
- Moody’s Credit Skills Assessment 2013 (Certified Credit Professional -formerly known as Omega)
- Certified Credit Professional - Completion of Credit Skills Assessment
- Certified Trade Professional - Completion of Trade Skills Assessment
- Core Credit Curriculum - Core Credit Professional 2009
- LLB (Hons), University of Wales, Aberystwyth 1997
Working Experience
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- Group Chief Credit Officer, Bank Islam Malaysia (2022-2026)
- Regional Head, Group Corporate Banking, CIMB Bank Berhad (2020-2022)
- Advisor, Credit PT Bank QNBI Indonesia Qatar National Bank, Indonesia (2019-2019)
- General Manager, Corporate & Institutional Banking Qatar National Bank, Indonesia (2019-2019)
- Head of Special Assets Management, QNBI Qatar National Bank, Indonesia (2018-2019)
- Wholesale Banking Advisor, QNBI Qatar National Bank, Indonesia (2016-2018)
- Senior Relationship Manager, Asia & Europe, International Banking, Qatar National Bank, Indonesia (2012-2016)
- Director, Large Local Corporates, Origination & Client Coverage, Standard Chartered Bank Dubai (Conventional Lending) (2010-2012)
- Director, Head of Islamic Corporate Banking, Standard Chartered Saadiq, Origination & Client Coverage, Standard Chartered Bank Dubai (Conventional Lending) (2008-2009)
- Associate Director, Islamic Origination, Standard Chartered Saadiq (Islamic Banking), Standard Chartered Dubai (2006-2007)
- Vice President / Global Account Manager, Financial Institutions (Senior Relationship Management), Standard Chartered Bank Malaysia Berhad (2005-2006)
- Assistant Vice President, Financial Institutions (Relationship Management), Standard Chartered Bank Malaysia Berhad (2004-2004)
- Relationship Manager, Financial Institutions (Relationship Management), Standard Chartered Bank Malaysia Berhad (2002-2003)
- Relationship Manager, Multinational Corporates, Standard Chartered Bank Malaysia Berhad (2001-2001)
- Credit Analyst, Sales and Credit Services - MNC, Local Corps/Middle Market, Large Corps, Standard Chartered Bank Malaysia Berhad (1999-2000)
- Account Manager, Multinational Corporates - Northern Region, Standard Chartered Bank Malaysia Berhad (1998-1998)
- Assistant Relationship Manager, Multinational Corporates, Standard Chartered Bank Malaysia Berhad (1997-1998)
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Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
Noor Azman Bin Abdul Karim
Chief Technology Officer
Noor Azman Bin Abdul Karim
Chief Technology Officer
Appointment to current position 15 February 2026
Academic/Professional Qualification
- BSc. Information Technology, Edith Cowan University, Western Australia (1996-1998)
- Diploma Computer Management, State College, Malaysia (1994-1995)
Working Experience
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- Deputy Group Chief Technology Officer, MBSB Berhad (1 July 2024–14 February 2026)
- Senior Vice President, Group Technology Division, MBSB Bak Berhad (2023–2024)
- Vice President, Digital & Technology Division, MBSB Bank Berhad (2018–2023)
- Assistant Vice President, Maybank/Group Technology – Etiqa + Global Banking (2014–2018)
- Assistant Vice President, Maybank/Group Technology – IT Transformation Program (2011–2014)
- IT Manager, ERICSSON+LHS System Asia Pacific/Frankfurt, Germany + Malaysia (2005–2011)
- C4 Engineer/ Application Consultant, Delta Masis/Doncaster, United Kingdom + Malaysia (2002–2005)
Declaration
- No family relationship with any director and major shareholders of MBSB.
- No conflict of interest or potential conflict of interest, including interest in any competing business with MBSB.
- 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 during the financial year ended 31 December 2025.
Koh Ai Hoon
Head, Secretarial
Koh Ai Hoon
Head, 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
Present Directorship and Appointment
- Nil
Past Directorships and Appointments
- 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 interest in any competing business with MBSB Group.
- 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 during the financial year ended 31 December 2025.