Ismail has had over 32 years of working experience in the banking and finance industry (inclusive of 17 years dedicated to Islamic Finance). He holds a Diploma in Public Administration from University Technology MARA (UiTM), a Bachelor's Degree in Business Administration from Ohio University, USA, and a CIFP member of the Chartered Institute of Islamic Finance Professional.

Ismail was a former Accreditation Panel member of Finance Accreditation Agency Sdn Bhd (FAA) and former Syariah Committee Member of Deutsche Bank Malaysia (1 year), Kenanga Investment Bank Bhd (3 years) in Kuala Lumpur, and Shariah Advisor of Qays Re Global Ltd (Labuan), a Re-Insurance/Takaful company (3 years).

Ismail is also the President/Director of Eversolution Sdn Bhd, a software development company, a Director of Protac Insurance Brokers Sdn Bhd, a wholly-owned subsidiary of the Federal Government Statutory Body, RISDA.

Ismail took early retirement from banking in April 2010. During his banking career, he held various positions including Chairman of IBFIM's Examination Committee for Islamic Certified Credit Professional (CCP-i), Member of the Board of Graduate Programme Studies of INCEIF, among the founder and Council Member of ACIFP, and Vice-Chairman of AIBIM.

Ismail's vast experience covers various aspects of banking such as branch banking, consumer, corporate and commercial banking, finance and accounts, credit evaluation, collection and recovery, operations, credit administration, product development and capital markets. His last senior management position was Chief Credit Officer.

He was directly involved in designing new Islamic banking products, preparation of product operation manuals, system specifications for product software development, and system testing. He has worked with five banking systems (1 conventional and 4 Islamic).

Ismail's commendable achievements encompass the establishment of two new Islamic banks and two Islamic banking windows, and in 2018/19 was part of a project team setting up an Islamic Bank in Nigeria.

Non-related to banking, Ismail has been directly involved as a Consulting Director since 2014 to set up a Pharmaceutical Plant for Inhalation products, commercialized in Q4/2023. In Eversolution he is active in banking digital software with successful mobile banking solutions delivered to major banks in Malaysia.

Abdul Rais holds a Master's Degree in Business Administration from the Asian Institute of Management (AIM), Manila, Philippines and a Bachelor's Degree in Social Science from University Sains Malaysia (USM) Penang.

From 2002 to 2004, Abdul Rais was the Chief Executive Officer of the International Islamic Financial Market (IIFM), an international organisation based in Bahrain, established as a standard-setting body to regulate and encourage the creation of global trading of Islamic capital market instruments.

Prior to this (in year 2000), Abdul Rais was with Bank Muamalat Malaysia Berhad as Senior Vice President / Head of International Banking and Head of Investment Banking.

Abdul Rais joined the financial services sector more than thirty years ago upon graduation from Universiti Sains Malaysia. He served in various capacities at Bank Bumiputra Malaysia Berhad, including Head of Financial Institutions Department in Kuala Lumpur, General Manager of BBMB New York branch (1993), and CEO of BBMB International Bank (L) Ltd and BBMB International Trust Limited in Labuan (1996).

He joined Bank Muamalat Malaysia Berhad in 2000 where he was responsible for setting up and heading the Investment Banking Division until he was selected by an international panel of central bankers to set up and head the IIFM.

Abdul Rais has presented a number of papers on Islamic capital markets and risk management at international conferences in London, Bahrain, Dubai, Doha, Jeddah, Singapore, Kuala Lumpur, Jakarta, Brunei and other locations.

Wan Kamarul Zaman is an Advocate and Solicitor practicing in the legal firm of Messrs Abu Talib Shahrom based in Kuala Lumpur, Malaysia. He holds a LLB (Hons) Degree from the University of London and CLP (Malaya) as well as an M.Sc (A.Econs) and B.Sc. Degree from Louisiana State University, USA.

He has acted as advisor for several public listed companies and private entities undertaking privatization and corporate finance exercises, namely stock exchange listing, mergers and acquisitions, divestment, and international fund raising through debt and equities placement as well as loan syndication.

Prior to joining Messrs Abu Talib Shahrom, he was a career banker (1982–2006) attached to several financial institutions in Malaysia, involved in almost all aspects of banking activities including corporate finance and advisory, corporate banking and loan syndication, origination and placement of private debt securities (both Islamic and conventional), treasury and money market dealings, and loan recovery and debt restructuring. His last position in Banking (2006) was Acting CEO of Affin Discount.

He is licensed by the Securities Commission, Malaysia under the Capital Market Services Act 2007, enabling him to advise on Corporate Finance matters such as fund raising, mergers and acquisitions, corporate/debt restructuring as well as on matters relating to bonds and sukuk issuance.

He is the Chairman of a boutique corporate advisory firm, Sadec Advisers Sdn Bhd, and a Director of Muamalah Financial Consulting, Inc (Labuan).

📋 Experiences

• Involved in the arrangement of three (3) Public and Private Partnership (PPP) programs between the Malaysian Government and the private sector for the development of University campuses in Malaysia totalling RM1 Billion.
• Advised and arranged the implementation and completion of the RM3.0 Billion Sukuk Issuance for a Malaysia Government Linked Corporation (GLC).
• Participated in works relating to a business and asset sales transaction involving two (2) listed entities on Bursa Malaysia with a combined value between RM3 to 5 Billion.

Tahir holds a Diploma in Banking Studies (UiTM), BSc & MBA (Management and Organization) from University New Haven Connecticut, USA. He is also a Certified Risk Professional (BAI Center for Certification, USA). Tahir has over 33 years of experience in the banking and finance industry (inclusive 15 years in Islamic Banking).

His work in Credit/Financing and Risk Management covers all aspects of Credit, Operational, Market and Sharia which include development of policy, procedures, guidelines, processes, credit rating/scoring models, credit administration & control, credit recovery, credit approval and compliance.

📋 Experiences

• Director Risk Management — Islamic Corporation for the Development of Private Sector, Islamic Development Bank Group, Jeddah, Saudi Arabia
• Board Risk Management Committee — International Islamic Liquidity Management Corporation (IILM), Kuala Lumpur
• Chief Risk Officer — Asian Finance Bank, Kuala Lumpur, Malaysia
• Chief Risk Officer — Sofinco Saudi Fransi, Riyadh, Saudi Arabia
• General Manager — Hong Leong Islamic Bank, Kuala Lumpur, Malaysia
• General Manager Risk Management Group — Bank Islam, Kuala Lumpur, Malaysia
• Board of Director — BIMB Trust Limited, FT Labuan
• Director Credit Management — Bank Simpanan Nasional, Kuala Lumpur, Malaysia
• Senior Vice President / Head Risk Management — Southern Bank Berhad, Kuala Lumpur, Malaysia
• Vice President Head Credit Risk Management Division — Bank Utama Berhad, Kuching, Sarawak, Malaysia

Ibrahim graduated in Business Studies from University Teknologi MARA (UiTM) Malaysia and has over 25 years working experience in Banking and Finance (under both Islamic and conventional banking). He is currently a Certified Trainer accredited by the Malaysian Human Resource Development Fund (HRDF).

He started his banking career with Maybank and later joined Bank Islam Berhad, Affin Bank Berhad, EON Bank Berhad, and before his retirement was with Bank Simpanan Nasional (wholly owned by the Ministry of Finance of Malaysia), appointed to handle Islamic banking financial products, system development and operations. He was also responsible for designing and conducting training on Islamic Banking for all levels of BSN's staff.

Ibrahim's banking experience covers retail operations (front and back office), all areas of Trade Finance Operations (including sales), product development and was directly involved in the setting up of several full-fledged Islamic banking branches.

Rahman graduated from Mara University of Technology Malaysia in Business Administration and has over 37 years' experience in both conventional and Islamic banking. He started his banking career with Standard Chartered Bank (10 years) and later joined Bank Islam for 27 years until his retirement.

A hands-on person, his banking career covers managing branches and regional offices on human resources, deposit, remittances, banking operations, trade finance operation, credit administration, credit recovery and monitoring sales performances.

After his retirement from banking in 2011, he took up the position as General Manager of Koperasi Kakitangan Bank Islam Holdings Bhd (a co-operative society) until 2015, undertaking business of financing, retail businesses, and property development for members and staff of Bank Islam.

He is also actively involved in Amal Foundation, an NGO operating on humanitarian mission worldwide, having been to various countries assisting refugees.