Qualifications

• Bachelor degree of Accounting (Hons) – UKM(1987)
• Master in Business Administration – UPM(1998)
• FCPA Australia (2017)
• Malaysian Institute of Accountants (MIA)
• Certified Credit Professional (AICB)

Skills and experience

Ramanathan joined MBSB Bank on the 2nd February 2021 as Chief Financial Officer (CFO). As CFO, he oversees all financial functions for the Holding company, Bank and its subsidiaries. Before joining the Bank, he was the CFO of a local Bank. He began his career in 1988 as an audit trainee with the big 4 auditing firm before joining the banking industry in 1991 as an Executive in Finance Division.

With an extensive experience of over 31 years ranging from auditing, financial accounting, financial management, capital management, regulatory reporting and recovery, Rama serves as a strategic Business Partner to the Senior Management to achieve the overall objective of the Bank. He is a Fellow member of CPA Australia, a member of the Malaysian Institute of Accountants and a certified Credit Professional from Asian Institute of Chartered Bankers. He has also completed the Summer School Programme at Judge Business School, University Of Cambridge, Global Banking Leaders Programme at CASS Business School, University of London and Asian International Executive Programme with INSEAD.

Committee memberships

• Secretary for Audit Committee/Board Audit Committee

Permanent Invitees

• Risk Management and Compliance Committee (RMC)/Board Risk Management and Compliance Committee

Independent Observer

• Management Committee (MANCO)

Qualifications

• Bachelor in Science in Finance & Management, University of Oregon, USA
• Professional Certificate in Islamic Banking, INCEIF – The Global University of Islamic Finance
• Shariah Audit Certificate – Universiti Sains Islam Malaysia (USIM)
• Certificate in Internal Auditing for Financial Institutions – Asian Institute of Chartered Bankers
• Certification for Bank Auditors – Asian Institute of Chartered Bankers
• Masters in Islamic Finance Practice, INCEIF – The Global University of Islamic Finance

Skills and experience

Aniza began her employment at MBSB on 13 August 2014 as Assistant Vice President, Internal Audit Division, after acquiring over 21 years of industry experience from several banking institutions in Malaysia. On 1 January 2017, she was appointed as Chief Internal Auditor for MBSB. Her major responsibilities are to formulate strategies and execution of an independent, cost effective and efficient audit and examination function for MBSB Bank’s operations and provide independent and objective assessments of control and risk levels in the bank entities. Prior to joining MBSB, Aniza was with Kuwait Finance House Malaysia Berhad’s Internal Audit Division. Aniza is also an Associate Member of the Institute of Internal Auditors Malaysia (IIAM), Senior Associate Member of Chartered Institute of Islamic Finance Professionals and Associate of Asian Institute of Chartered Bankers. Aniza is a member of Development Committee for Certified Professional Shariah Auditor, by IBFIM and Universiti Sains Islam Malaysia and in 2019, Aniza was listed 127th in the WOMANi top 300 Most Influential Women in Islamic Business and Finance. WOMANi is a part of the women empowerment programme by Cambridge IFA, a UK-based financial intelligence house, to highlight enormously important roles that exceptionally talented women are playing in Islamic business and finance.

Permanent Invitees

• Management Committee (MANCO)
• Asset and Liability Committee (ALCO)
• Capital Management Committee (CMC)

Qualifications

• Bachelor of Science in Business Administration (Finance), Northern Arizona University, USA
• 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)

Skills and experience

Tengku Khalizul joined MBSB on 5 May 2014. Heading the Compliance Division, he is responsible in coordinating the identification and management of compliance risk in the organisation. In 2018, Tengku Khalizul was appointed as Chief Compliance Officer of MBSB Bank where he leads and manages the Bank’s Compliance function and act as the focal point for all compliance related initiatives including compliance risk, Anti Money Laundering and CTF (Counter Terrorism Financing). Tengku Khalizul’s statutory responsibilities in the Bank include AML/CFT Compliance Officer, FATCA Officer and PDPA Officer. He has more than 17 years of working experience in auditing with expertise in branch operations, head office operations, retail credit, wealth management bancassurance and asset management.

Academic/Professional Qualification(s)

• Master of Business Administration, Charles Sturt University, Australia
• Bachelor of Science in Accounting, University of Wyoming, United States
• American Associate Degree, Indiana University, Bloomington, United States
• Certified Qualification in Islamic Finance, Islamic Banking and Finance Institute Malaysia (CQIF)
• Intermediate Qualification in Islamic Finance, Islamic Banking and Finance Institute Malaysia (IQIF)
• Associate Qualification in Islamic Finance, Islamic Banking and Finance Institute Malaysia (AQIF)

Working Experience and Occupation

Present Directorship(s)
Other Listed Entity:

• Nil

Other Public Companies:

• Nil

Present Appointment(s):

• Nil

Past Directorship(s) and/or Appointment(s):

• Acting Chief Executive Officer, MBSB Group (16 Aug 2021 – 30 June 2022)
• Deputy Chief Executive Officer, MBSB Group (2020 – 15 Aug 2021)
• Chief Business Officer, MBSB Bank Berhad (2018 - 2020)
• Senior Vice President, Corporate Business, MBSB (2010 - 2018)
• Chief Financial Officer, BenchMark Marine Sdn Bhd (2009 - 2010)
• General Manager, Head of Business Banking, Bank Islam (M) Berhad (2005 - 2009)
• Vice President, Product Development & Process, OCBC Bank Berhad (2005 - 2005)
• Southern Regional Manager, Emerging Local Corp, Citibank Berhad (2000 - 2005)
• Various roles as manager with responsibility within property, loans and internal audit functions, Arab Malaysia Sdn Bhd, BBMB Kewangan Berhad, Hong Leong Bank Berhad (1991-2000)

Declaration

• No family relationship with any director and major shareholders of MBSB.
• Nominee of Employees Provident Fund Board (EPF).
• No conflict of interest with MBSB.
• 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 during the financial year ended 31 December 2022.

Committee memberships

• Asset and Liability Committee (ALCO)
• Initial Alert Report Committee (IAR)
• Capital Management Committee (CMC)
• Secretary to the Risk Management Committee / Board Risk Management and Compliance Committee

Permanent Invitees

• Management Committee (MANCO)
• Credit and Rehabilitation Assessment Committee/Management Investment & Credit Committee (CARAC/MICC)

Qualifications

• Bachelor's Degree in Accounting , University of Malaya
• Chartered Bankers (UK)
• Professional Member of Institute of Operational Risk (UK)
• Chartered Accountant (Malaysia)

Skills and experience

Laurence comes with extensive experience from the banking and finance industry for the last 27 years. He was the CRO for RHB Singapore Operations prior to joining our bank. He joined RHB Bank in 2014 as the Head of IGNITE, Risk Initiatives, responsible for the transformation of the Group Risk Division, which focused on strengthening new value propositions and differentiation for multiple risk segments. Laurence was also responsible for improving regional capabilities, especially in driving a risk culture change initiative. Subsequently, he was named as the Head of Group Operational and Technology Risk Management, where he managed operational risk, technology risk, business continuity management, and reputational risk. Prior to RHB, Laurence was the General Manager of AmBank (M) Berhad. His other work experiences include Bursa Malaysia and Bank Negara Malaysia as well.