Prior to retiring from HSBC on 31 December 2007, he managed HSBC’s onshore business franchise in Malaysia and was responsible for the Islamic Retail and Corporate business emanating from the branch network. From January to December 2008, he was the Executive Director and Senior Advisor of HSBC Amanah Takaful Malaysia Sdn Bhd.  He was also the Non-Independent Non-Executive Director of HSBC Amanah Malaysia Bhd, where he sits as the Chairman of the Risk Committee and a member of the Audit Committee and Nominating Committee.    
Dato' Mohamed Ross is currently a council member of the Outward Bound Trust of Malaysia and a Director of Kumpulan Perangsang Selangor Bhd. He also sits on an Advisory Board overseeing a Private Equity Fund (Ekuinas OFM Programme) as an ID member and also a member of Trustee of Lembaga Zakat Selangor.

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.

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 Institutions.

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.

Encik Jal is also actively involved in the drive for innovation in the industry and in this respect Encik Jal leads the team advising on various product developments for Islamic banks, both in Malaysia and abroad.    

In addition to Islamic Finance, Encik Jal’s other major areas of practice are corporate commercial law and real estate. His experience in advising on some major cross border mergers and acquisition and real estate acquisitions have benefited him in his role as an Islamic Finance lawyer. Encik Jal is the deputy head of the conventional banking and finance department.    

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.