He holds a Banking Diploma (Part 1) from Institute of Bankers, UK.

Dato' Mohamed Ross joined HSBC Bank Malaysia Berhad (HSBC) in early 1972 and served in various capacities ranging from Corporate and Retail Banking to Area and Branch Management.  He also served as Head of Treasury Malaysia and Head of Group Audit Malaysia between 1987 and 1996.  During this period, he also worked for a year in Hong Kong, London and New York in areas of Foreign Exchange and Treasury.  Prior to retirement from HSBC on 31 December 2007, he was the Managing Director HSBC Amanah responsible for the Islamic Retail and Corporate business in Malaysia.  From January to December 2008, he was the Executive Director and Senior Advisor of HSBC Amanah Takaful Malaysia Sdn Bhd.  During this time and until he retired in April 2016, he was also an Independent Non-Executive Director of HSBC Amanah Malaysia Bhd, where he was the Chairperson the Risk Committee and was also a member of the Audit Committee and Nomination Committee.   

Currently he is also an Independent Non-Executive Director of Kumpulan Perangsang Selangor Bhd. He also sits on an Advisory Board overseeing a Private Equity Fund (Ekuinas OFM Programme) as an Independent member and also a member of Trustee of Lembaga Zakat Selangor. He is also involved as an Independent Director of an Asset Management Company.

Encik Rafe has more than 20 years of experience covering a range of businesses and functional roles gained from three global banks, an international asset management company and a legal firm, at various financial centers including London, Dubai and Kuala Lumpur.

He read Law at the International Islamic University Malaysia and also holds an LL.M degree from the Harvard Law School. He was admitted to the Malaysian Bar in 1995 and qualified for the New York State Bar in 1997.

Encik Rafe first joined HSBC Investment Bank plc, London in 1999 and thereafter HSBC Financial Services Middle East, Dubai where he set up the global sukuk business in 2001. Subsequently, he became the Global Head of Islamic Finance business at ABN AMRO Dubai in 2004 covering both consumer and corporate businesses. In 2006, he moved back to Malaysia with Citigroup Asia as the Regional Head for Islamic banking, Asia Pacific. He later joined HSBC Amanah in 2010 as the CEO, Malaysia and Managing Director of Global Markets, ASP.

Mr. Ahmed Rehman has over 30 years of experience with multinational banks in senior management roles, such as Chief Executive as well as direct responsibility for wholesale bank and risk. He was also involved in the Corporate Banking integration of Standard Chartered Bank Pakistan with Grindlays Bank Pakistan. His experience covers different geographies in Asia, Middle East and Africa, with American Express Bank, Standard Chartered Bank and Al Rajhi Bank.

In his last role as CEO of Al Rajhi Bank Malaysia (subsidiary of one of the largest Islamic Banking Groups in the world), he set up a Greenfield project in Malaysia with complete embedded Wholesale, Retail and Investment Banking strategies. Within five (5) years in operations, the bank established 24 branches spread across the country, an enviable customer base of 200,000 and an approximate balance sheet size of $ 2 billion. The bank was profitable for the last three (3) consecutive years of his tenure. The bank also won several awards in this short period since inception.

Presently Mr. Ahmed is Managing Partner of Israa Capital – an Islamic Advisory Firm based in Dubai with branch office in Malaysia. At Israa Capital he has been involved in several banks due diligences, merger negotiations, and strategic studies for development Institution. Also on the board of Al Baraka Bank (Pakistan) - where he is Chairman of the Remuneration and Nomination committee as well as member of the board Risk committee.

She is a certified public accountant by training and had spent a large part of her career in Big 4 international accounting firms. She spent 25 years with Ernst & Young helming various leadership roles; audit partner handling large multinational clients, inaugural Malaysian Programme Director for the global EY Entrepreneur of the Year Programme, Asia Pacific Regional Partner deploying global IT projects, as well as specialising in Quality & Risk Management matters. She was a recipient of the EY Chairman’s Values Award in the inaugural year of its launch in 2006, a global award which recognises exceptional individuals across the global organisation who, regardless of rank and role, clearly and consistently – demonstrate integrity, respect and teaming; are people with energy, enthusiasm and have the courage to lead; and are people who build relationships based on doing the right thing.

In June 2011, she retired early to join the family-owned engineering construction private limited company, Acre Works Sdn Bhd to serve as the Finance Director up to now.

He heads the Islamic Finance practice in Shook Lin & Bok, one of the oldest and largest law firm in Malaysia. Encik Jal was instrumental in setting up the Islamic Finance practice and continues to chart the course of this practice area within the Firm.

Encik Jal holds positions in INCEIF University (an institution established under the auspices of the Malaysian Central Bank). Encik Jal has also been commissioned by the Malaysian Securities Commission and the Rating Agency of Malaysia in relation to product development and regulatory requirements. Encik Jal is also involved in law reform with his involvement in the Malaysian Central Bank committee for Islamic Finance Law Reform.

Encik Jal also sits on the technical committees of the Malaysia Accounting Standards Board (“MASB”) and the Malaysia Institute of Accountants (“MIA”). Additionally, he is also a moderator with the Finance Accreditation Agency (“FAA”) and an arbitrator for Islamic Finance with the Kuala Lumpur Regional Centre for Arbitration (“KLRCA”). Encik Jal is also a chapter reviewer and contributor for the International Shariah Research Academy (“ISRA”).

After graduating from Queen Mary & Westfield College of the University of London and after completing the Malaysian Bar examinations, Encik Jal commenced his pupilage in Shook Lin & Bok and continued his employment with the Firm, culminating in his admission as a partner in 2001. He continued his progression within the Firm with his elevation as a senior partner of the Firm in 2004.