Member
Total years of experience :19 years, 7 Months
, Shariah Committee of Bank Kerjasama Rakyat Malaysia
(BKRM)
• Responsible for all Shariah decisions, views and opinions issued on Shariah matters
to ensure the operations, business, affairs, and activities of the bank are in compliance
with Shariah.
• Advising the Board and the Management on Shariah related matters to ensure
compliance with the Shariah rules and principles at all time.
• Providing written Shariah opinions in circumstances where the bank makes reference
to the Shariah Advisory Council (SAC) of the Central Bank of Malaysia for further
deliberation.
• Deliberating, validating, and endorsing all matters related to Shariah non-
compliance event, rectification measures and purification process.
• Assessing and validating works include Shariah research, takyif fiqhi, report and
finding carried out by all Shariah functions within the bank.
• Endorsing and approving all frameworks, policies, procedures, and any other
applicable documents relating to Shariah.
• Endorsing and validating all relevant documents relating to product, business and
operations including legal documents, product policies and procedures, product
manual and marketing collateral to ensure compliance with Shariah.
• Advising the bank on the calculation, allocation and distribution of zakat and validate
the list of zakat recipients.
PROFESSIONALEXPERIENCE
ACADEMICBACKGROUND
, Shariah Committee of Alliance Islamic Bank Berhad
• Responsible for all Shariah decisions, views and opinions issued on Shariah matters
to ensure the operations, business, affairs, and activities of the bank are in compliance
with Shariah.
• Advising the Board and the Management on Shariah related matters to ensure
compliance with the Shariah rules and principles at all time.
• Providing written Shariah opinions in circumstances where the bank makes reference
to the Shariah Advisory Council (SAC) of the Central Bank of Malaysia for further
deliberation.
• Deliberating, validating, and endorsing all matters related to Shariah non-
compliance event, rectification measures and purification process.
• Assessing and validating works include Shariah research, takyif fiqhi, report and
finding carried out by all Shariah functions within the bank.
• Endorsing and approving all frameworks, policies, procedures, and any other
applicable documents relating to Shariah.
• Endorsing and validating all relevant documents relating to product, business and
operations including legal documents, product policies and procedures, product
manual and marketing collateral to ensure compliance with Shariah.
• Advising the bank on the calculation, allocation and distribution of zakat and validate
the list of zakat recipients.
ISRA Consulting (Head of Shariah Consultancy)
o Shariah Consultancy
▪ Developing the proposal for Serba Dinamik to be submitted to the Central
Bank of Malaysia in securing the license for Islamic digital banking.
▪ Developing the Non-interest Nigeria Exchange (NEX) SOP, policy, and
regulatory framework together with the structures for 13 Shariah-compliant
products to be traded via it and 2 guidelines on Zakat and Shariah stock
screening.
▪ Developing product structure and vetting legal documentations for YaPEIM
Rahn Product based on Tawarruq (Musawamah).
▪ Participating in the training workshop on Rahn Product based on Tawarruq
(Musawamah) for YaPEIM key staff.
▪ Developing product structure and vetting legal documentations for I-Serve
Sdn Bhd for its E-Wallet and Ticketing services.
▪ Developing product structure and vetting legal documentations for
Quantum Metal Sdn Bhd. on Shariah Gold Saving Account, Gold Leverage
Account and Gold Advance Account.
▪ Developing product structure and vetting legal documentations for
Quantum Metal Sdn Bhd. on Shariah Gold Saving Account for the
Singaporean market.
▪ Developing product structure and vetting legal documentations for
Quantum Metal Sdn Bhd. on Shariah Gold Saving Account for the Indonesian
market.
▪ Reviewing and endorsing Shoraka Al Amin Tawarruq Trading Platform
(registered with Dubai Multi Commodities Centre, DMCC) by Shoraka Global
Resources Sdn. Bhd.
▪ Reviewing and endorsing the core banking system of Millenium Information
Solution Limited (a Dubai-based company providing core banking solution
(CBS) for Islamic Banks).
▪ Developing the structure of Islamic Redeemable Preference Shares (iRPS)
issued by ACE Holdings.
▪ Developing the structure of Islamic Mutual Fund issued by ACE Holdings.
▪ Developing new business modules (conceptual research, feasibility study
etc) for FWD Takaful.
▪ Developing the educational material on Takaful product for FWD Takaful
▪ Coordinating Shariah Audit Exercise on Cagamas for Year 2018.
▪ Performing Shariah Audit Exercise on Bank of Tokyo-Mitsubishi UFJ
(Malaysia) Berhad (MUFG) for Year 2018.
▪ Performing Shariah Audit Exercise on Bank Pembangunan Malaysia Berhad
(BPMB) for Year 2018.
▪ Performing Shariah Review Exercise on Credit Guarantee Corporation
Malaysia Berhad (CGC) for Year 2018.
▪ Performing Shariah Review Exercise on Bank Muamalat Malaysia Berhad
(BMMB) for Year 2019.
▪ Developing internal Shariah Governance Framework for CGC.
o Shariah Advisory
▪ Providing Shariah advisory services (e.g. day-to-day Shariah operational
assistance, legal documentation and Shariah pronouncement preparation as
well as issues and problems troubleshooting) to Malaysia Debt Venture
Berhad (MDV) on its Corporate Term Financing (bundled with LC and BG),
Islamic Factoring based on Bay al-Dayn bi al-Sila’ and Islamic Term Financing
based on Commodity Murabahah.
▪ Providing Shariah advisory services to Affin Hwang Capital on Islamic
Securities Borrowing and Lending (ISSBNT).
▪ Providing Shariah advisory services to CGC on Bumiputera Entrepreneur
Project Fund (TPUB-i), BizMula-i, Biz Wanita-i, BizJamin-i, BizJamin Bumi-i,
Green Technology Financing Scheme Islamic (GTFS-i) 2.0.
o Training
▪ Trainer for MDV Internal Training on Tawarruq and its Operational
Requirements.
▪ Trainer for Credit Guarantee Corporation Malaysia (CGC) on Tawarruq,
Restructuring and Rescheduling.
▪ Trainer for ISSBNT to the investment bankers of Affin Hwang Capital.
▪ Trainer for Shariah Review Training to the officers of Shariah department,
Shariah Risk, Shariah Review and Shariah Audit of BMMB.
▪ Module Developer and Coordinator for the International Islamic Finance
Training for Corporate Leaders (Legal& Regulatory Section).
▪ Team Leader for RFP to secure the module development project of the
International Islamic Financial Market (IIFM) Standards Training.
▪ Reviewer for the Financial System, Legal and Regulatory Framework (a
module for Centre of Islamic Banking, Finance and Management, Autoriti
Monetari Brunei Darussalam (AIBD).
o Translation
▪ Coordinator for the translation project of AAOIFI CIPA Textbook.
Shariah Committee, MyEg Islamic Finance Berhad
• Scrutinising the general TOR of the newly established Shariah Committee of MyEG
Islamic Finance Berhad.
• Developing the Islamic Auto-Financing product based on aI-Ijarah Thumma al-Bay
starting from the conceptual research and discourse, legal documentations vetting
and preparation of Shariah control framework.
• Involved in the conceptual research and discourse of the Trade Finance based on
Murabahah.
• Acting as the highest authority for Shariah-related matters to ensure compliance with
the Shariah and governance framework.
of the Curriculum Review Committee, AAOIFI Education Board,
AAOIFI
• Industry Advisory Panel, the Selangor International Islamic University
College
of the Shariah Committee, Bank Kerjasama Rakyat Malaysia
, Cluster Legal & Constitution, Majlis Amal Islami (MAIM)
Undertaking a doctoral research in Islamic finance& Law under the scholarship by the
Government of Malaysia/JAKIM (the first winner of the scholarship)
CIMB Islamic Berhad
o Shariah Advisory
▪ Officer-in-Charge for Sukuk Shariah Structuring and had involved in numbers
of Sukuk issuance.
▪ Officer-in-Charge for Islamic Trade Finance and had advised the operation
of numbers of related products such as Letter of Credit and Bank Guarantee
based on Kafalah Bi al-Ujrah.
o Shariah Research
▪ Conducting Shariah research in addressing arising issues in the products as
well as assisting the Shariah Committee in their decision-making process.
o Shariah Training
▪ Conducting internal training for Staff on the Fundamental of Shariah of
Islamic Banking and Finance.
Performing Shariah evaluation on Sukuk proposals submitted for endorsement by the
Shariah Advisory Council (SAC of SC).
• Conducting Shariah research in addressing arising issues in products as well as
assisting the SAC of SC in its decision-making process.
Berhad
o Shariah Advisory
▪ Officer-in-Charge for the retail products where among the main tasks were
to advise and evaluate the structure, legal documents, and campaign
materials of the products such as the following:
▪ Personal Financing based on Bay bi Thaman Ajil (BBA).
▪ Auto Financing based on BBA/Murabahah Purchase Orderer (MPO).
▪ Home Financing based on BBA.
o Shariah Research
▪ Conducting Shariah research in addressing arising issues in products as
well as assisting the Shariah Supervisory Board in its decision-making
process.
from
from
from
Musharakah and Its Compatibility with the
Musharakah and Its Compatibility with the
,
courses: Certificate of Completion, Maahad al-Ta’lim al-Lughah al