Group Management

  • Tengku Dato’ Sri Zafrul Tengku Abdul Aziz

    Group Chief Executive Officer,
    Country Head, Malaysia,
    Chief Executive Officer/Executive Director, CIMB Bank Berhad

    See Profile Under : Board of Directors 


  • Shahnaz Jammal

    Chief Executive Officer, Group Wholesale Banking

    Nationality: Malaysian

    Age/Gender: 44/Male

    •  Bachelor (Double First Class) and Master of Arts in Economics, University of Cambridge, United Kingdom
    • MPhil in Economics, University of Oxford, United Kingdom

    •  Director, CIMB Thai Bank Public Company Limited

    •  Director, CGS-CIMB Securities International Pte Ltd


    •  Was most recently the Group Chief Financial Officer of CIMB Group

    •  Prior to this, was in various capacities within CIMB Group, including Deputy Group Chief Financial Officer and Head of Capital & Balance Sheet Management, as well as in Group Risk Management, Corporate Client Solutions and PT Bank CIMB Niaga Tbk

    •  Has over 19 years of banking experience, covering M&A Advisory, Risk Advisory, Trading and Risk Management

    •  Has worked with Goldman Sachs in London, Bankers Trust and Dresdner Kleinwort Wasserstein in London, as well as ABN AMRO Bank in Kuala Lumpur

  • Samir Gupta

    Chief Executive Officer, Group Consumer Banking

    Nationality: Malaysian

    Age/Gender: 56/Male

    • Bachelor of Technology in Mechanical Engineering, Indian Institute of Technology, India
    • Master of Management Studies, University of Bombay, India

    •  Nil


    •  Chief Executive Officer of Group Consumer Banking

    •  Over 30 years’ experience in the banking industry including retail, wealth management, consumer finance, cards, risk, operations and audit

    •  Senior Manager with track record of building consumer banking franchises in Asia, Africa and Middle East

    •  Started his working career with Citibank, India and moved to Singapore in 1990

    •  Managed various roles in Citibank and Barclays and PT Bank CIMB Niaga Tbk based out of Singapore, Thailand, Dubai, Turkey and Indonesia

    •  Joined CIMB Group as Consumer Banking Director of PT Bank CIMB Niaga Tbk in 2010

  • Effendy Shahul Hamid

    Chief Executive Officer, Group Ventures & Partnerships

    Nationality: Malaysian

    Age/Gender: 46/Male

    •  Honours in Electronic Engineering with Optoelectronics, University College London,  United Kingdom
    •  Alumni of the CIMB-INSEAD Leadership Programme

    • Director, Touch ’n Go Sdn Bhd
    • Director, TNG Digital Sdn Bhd
    • Director, Financial Park (Labuan) Sdn Bhd
    • Director, CIMB-Principal Asset Management Berhad, PT CIMB-Principal Asset Management, CIMB-Principal Asset Management Company (Thailand) Limited and CIMB-Principal Islamic Asset Management Sdn Bhd  


    • Responsible for the development of the Group’s new and disruptive revenue and value creation streams through a focus on creating and cultivating new-age partnerships at scale, venturing through selective strategic investments in platform based businesses, steering CIMB’s FinTech practise and managing the Group’s operations in Vietnam and the Philippines.

    • Also responsible for the Group’s asset management and investments business across both public and private markets, including the Group’s regional asset management business, its private equity fund management business and the Group’s equity investments portfolio in companies such as CIMB-Principal and Touch ’n Go.

    • Most recently, was CEO of Group Commercial Banking, managing the Group’s regional banking businesses for the small and medium enterprise and mid sized corporate segment, with a key lean on creating differentiated propositions and executing long term growth strategies.

    • Prior to that, was Group Chief Marketing and Communications Officer, managing the Group’s entire marketing and communications initiatives and lead franchise-wide efforts to ensure a consistent and differentiated CIMB brand for all of the Group’s Businesses across the region.

    • Before that, served as a Director in the Group’s Investment Banking Division, primarily focusing on corporate advisory and origination.

    • Prior to joining the Group, career stints in several international companies in a corporate development capacity, mostly involved in private equity, merger and acquisition activities across Asia Pacific and general business expansion initiatives.

    • Regional business experience having worked and lived in Malaysia, Hong Kong and Singapore.

  • Mohamed Rafe Mohamed Haneef

    Chief Executive Officer, Group Islamic Banking,
    Chief Executive Officer/Executive Director, CIMB Islamic Bank Berhad

    Nationality: Malaysia

    Age/Gender: 49/Male

    •  Master of Laws (LL.M), Harvard Law School
    •  Bachelor of Laws (LL.B), International Islamic University Malaysia
    •  Qualified for the New York  State Bar in 1997
    •  Admitted to the Malaysian Bar in 1995

    •  Chief Executive Officer/Executive Director,  CIMB Islamic Bank Berhad


    •  CEO of CIMB Islamic Bank Berhad in charge of the Group’s Islamic banking and finance franchise. CIMB Islamic operates as a parallel franchise to the Group’s conventional operations and covers Islamic wholesale banking, Islamic consumer banking, Islamic commercial banking and Islamic asset management and investment

    •  Instrumental in the inclusion of CIMB Islamic in the Valuebased Intermediation (VBI) Community of Practitioners, working to develop VBI together with the central bank to contextualise and drive sustainability with Islamic finance institutions in Malaysia

    •  Instrumental in CIMB Group being a member of RFI as well as a founding member to the UNEP FI Principles for Responsible Banking

    •  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 centres including London, Dubai and Kuala Lumpur

    •  CEO, Malaysia, and Managing Director of Global Markets, ASP, HSBC Amanah in 2010

    •  Regional Head for Islamic banking, Asia Pacific, Citigroup Asia in 2006

    •  Global Head of Islamic Finance business at ABN AMRO Dubai in 2004 covering both consumer and corporate businesses

    •  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

  • Victor Lee Meng Teck

    Chief Executive Officer, Group Transaction Banking
    Chief Executive Officer, Group Commercial Banking

    Nationality: Singaporean

    Age/Gender: 48/Male

    •  Bachelor of Applied Science (Materials Engineering), Nanyang Technological University, Singapore
    •  Alumni of ASIAN Financial Leaders Programme (AFLP), mandated by Monetary Authority of Singapore


    •  Nil


    •  Oversees the Group’s Commercial and SME banking businesses to ensure profitable and sustainable growth

    •  Oversees Group Transaction Banking which is responsible for the cash management, trade finance, value chain, financial institution product and securities services

    •  Over 20 years of experience in Retail banking, Channels/ Distribution Management, Microfinance and Business Banking with markets coverage in ASEAN, North Asia, Africa and Middle East

    •  At Fullerton Financial Holdings, he was responsible for managing its investments in banks and financial services firms. This includes driving its strategy and implementations, leading several digital initiatives across Asia and delivering strong operational risk governance and performance excellence. He also held various board directorships within the Fullerton Group

    •  Led the Small Business banking segment at United Overseas Bank (UOB) and delivered the fastest CAGR growth

    •  A member of the SME Banking management committee in Standard Chartered where he was responsible for its global liability, treasury business and lending businesses in Singapore, Taiwan and China. He also led several mergers and rationalisations for the bank

    •  Awarded “Top 50 Most Promising Young Leaders’’ award in 2008 by The Asian Banker for bankers aged below 40 in Asia Pacific and Middle East region

  • Omar Siddiq Amin Noer Rashid

    Group Chief Operating Officer

    Nationality: Malaysian

    Age/Gender: 45/Male

    •  BBSc (Hons) Economics, London School of Economics, London

    •  Fellow, Institute of Chartered Accountants in England and Wales

    •  CFA Charterholder


    •  Director, CIMB Thai Bank Public Company Limited (Thailand)


    •  Appointed as the Acting President/CEO, CIMB Thai Bank Public Company Limited

    •  Previously was Head of Group Wholesale Banking at RHB Group with oversight over the RHB Group’s Wholesale business (comprising investment banking, treasury, corporate banking and asset management) and its International business segment excluding Singapore (comprising Cambodia, Laos, Thailand and Brunei)

    •  Former Executive Director and Group Chief Financial Officer at Malaysia Airlines Berhad with responsibility primarily for financial management spanning transaction accounting, management reporting, budgeting, treasury, financial forecasting and procurement as well as overseeing aircraft fleet planning and management

    •  Former Executive Director in the Investments Division at Khazanah Nasional Berhad and member of the senior management team with a focus on the aviation and airports sectors

    •  Former Managing Director in the Investment Banking Division at CIMB Investment Bank Berhad

    •  Former Executive Director in the Corporate Finance Practice of PricewaterhouseCoopers

  • Tigor M. Siahaan

    Country Head, Indonesia
    President Director & Chief Executive Officer, PT Bank CIMB Niaga Tbk

    Nationality: Indonesian

    Age/Gender: 47/Male

    •  Double major in Finance and Accounting, University of Virginia, Charlottesville, USA


    •  President Director and Chief Executive Officer, PT Bank CIMB Niaga Tbk
    •  Chairman of Indonesia Malaysia Bilateral Committee of Indonesian Chamber of Commerce and Industry (KADIN)
    •  Vice Chairman of Perbanas (Indonesian Banks Association)
    •  Member of the Board of Trustees of Jakarta International School (JIS)
    •  Mentor in Endeavor Indonesia
    •  Chairman of Young Presidents Organisation (YPO) Indonesia 2018-2019
    •  APINDO (The Employers’ Association of Indonesia), Chairperson of Banking, Financial Services & Taxation


    •  President Director and Chief Executive Officer of PT Bank CIMB Niaga Tbk.

    •  20 years in Citi starting as a Management Associate in 1995

    •  Chief Country Officer of Citi Indonesia from 2011-2015. First Indonesian to be appointed to the post

    •  Held several key positions in Citi Indonesia including Country Head for Institutional Clients Group, Head of Corporate & Investment Banking and Country Risk Manager

    •  Served as Vice President in Institutional Remedial Management Group in Citi Head Office in New York from 2000 to 2003

    •  Awarded as ASEAN Rising Star from the US – ASEAN Business Council in 2010 and Asian Promising Young Banker in The Asian Banker in 2011

  • Mak Lye Mun

    Country Head Singapore
    Chief Executive Officer, CIMB Bank Singapore

    Nationality: Malaysian

    Age/Gender: 61/Male

    •  Bachelor of Civil Engineering (1st Class Honours), University of Malaya, Malaysia
    •  Master of Business Administration, University of Texas, Austin, USA
    •  Charterholder of CFA Singapore

    •  Non-Executive  Director,  Boardroom Limited


    •  CEO of Group Wholesale Banking

    •  Regional Head of CIMB Group’s Private Banking business

    •  Director of CIMB Securities (Singapore) Pte. Ltd.

    •  Head of Corporate Finance of GK Goh Securities Pte Ltd in 2005

    •  Head of Mergers & Acquisitions Advisory Department with the then Development Bank of Singapore (now DBS Bank Ltd)

    •  Held various senior positions in the corporate finance divisions of Vickers Ballas & Co. Pte. Ltd., Ernst & Young, Oversea-Chinese Banking Corporation Limited and Citicorp Investment Bank (Singapore) Limited

    •  Member of the Inaugural SGX Listings and Advisory Committee

  • Dato' Hamidah Naziadin

    Group Chief People Officer
    Chief Executive Officer, CIMB Foundation

    Nationality: Malaysian

    Age/Gender: 55/Female

    • Bachelor of Laws, University of Wolverhampton, United Kingdom

    • Director, Maxis Berhad


    •  Provides overall strategic leadership for HR of CIMB across ASEAN

    •  Transformed HR from an administrative function into a key business enabler, contributing  to the Group’s rapid growth into a leading ASEAN financial institution

    •  Strategised the resource integration, ensuring a successful consolidation in various mergers and acquisitions over the years, within Malaysia, and across ASEAN and APAC regions

    •  Implemented strategic HR programmes, which have earned peer and industry recognition through numerous awards and elevated CIMB’s differentiation in the market

    •  Strengthens workplace culture through numerous employee engagement initiatives with emphasis on the three critical behaviours of ‘A Better CIMB’ and compliance to code of ethics and conduct

    •  Initiated the development of workplace wellness policies and programmes to build and sustain a productive and inspiring environment

    •  Leads people strategies to attract, develop and retain talent, cultivate an agile workforce to prepare for the future of work, and improve the end-to-end  employee experience via technology innovation

    •  Championed thought leadership through industry talks and publications on issues around women empowerment, and youths and graduates education and development

    •  Spearheads CSR in community development, sports and education initiatives with diversity and inclusion as the guiding principles

    •  Has 31 years’ experience in HR in the financial industry, of which 28 years were with the Group

  • Gurdip Singh Sidhu

    Group Chief Strategy & Design Officer

    Nationality: Malaysian

    Age/Gender: 45/Male

    •  Honours in Accounting and Finance, the London School of Economics and Political Science, University of London, United Kingdom
    •  Chartered Financial Analyst  (CFA)
    •  Alumni of the CIMB-INSEAD Leadership  Programme

    •  Director, Proton Commerce Berhad
    •  Director, CIMB (Private) Limited, Sri Lanka


    •  As the Group Chief Strategy & Design Officer, Gurdip oversees the following functions; Corporate Strategy & Planning, Group Corporate Finance, Strategic Programme Management, Group Sustainability, Group Customer Experience, Transforming Customer Journeys, and Group Brand Management & Sponsorships

    •  Gurdip works alongside the Group CEO and Senior Management in setting the strategic direction of the Group, supporting the execution of transformational and growth initiatives and a member of the T18 Oversight Committee and Forward23 Transformation Council. Gurdip also is a member of the Group Executive Committee (GEXCO) as well as the Group Management Committee (GMC)

    •  Instrumental in CIMB Group being a founding member to the UNEP FI Principles for Responsible Banking as well as responsible for the Strategic oversight on Sustainability and Sustainable Finance

    •  Prior to the expanded role that covers areas of Customer, Sustainability and Brand, Gurdip was the Chief Strategy Officer where his focus was to drive the organic and in-organic strategy and the execution of key initiatives. This included the entry into new markets, key M&A and partnerships as well as the execution of the T18 Program

    •  Prior to joining CIMB, Gurdip spent a decade in an international management consulting firm advising banks, telecommunications companies and Governments across ASEAN, India, South Korea and Spain

  • David Richard Thomas

    Group Chief Risk Officer

    Nationality: American

    Age/Gender: 59/Male

    •  Bachelor’s Degree, Whitman College, Washington USA

    •  Commissioner, PT Bank CIMB Niaga Tbk
    •  Commissioner, PT Synergy Dharma Nayaga
    •  Board of Director, The International School of Kuala Lumpur 
    •  Board of Director, GK1World (Singapore)


    •  Oversees the risk management function of CIMB Group, including Credit, Market, Operational, Shariah, Asset Liability Management Risk and Risk Analytics & Infrastructure

    •  Responsible for ensuring the consistent implementation of the Group’s risk management policies and frameworks, including operationalising the Risk Appetite Statement. The Risk Division of CIMB Group identifies, assesses, measures, controls and reports the material risks that may impact the Group’s business operations, profitability,  capital and reputation

    •  Previously worked for Bank of America in Los Angeles, California as a sector Banker, covering the Fortune 500 Aerospace & Defense sector

    •  Served as the Chief Risk Officer for Asia Pacific for the Royal Bank of Scotland (RBS). Prior to RBS, he served as the Chief Credit Officer for Asia Pacific for Bank of America

    •  Held various senior level positions based in Singapore, Hong Kong, Thailand, Taiwan, and Malaysia throughout his 25-year tenure in Asia

  • Kwan Keen Yew

    Group Chief Legal & Compliance Officer

    Nationality: Malaysian

    Age/Gender: 45/Male

    •  Bachelor of Laws (Hons), University of Sheffield, United Kingdom

    •  Nil


    •  Leads the Group Compliance function which is responsible for the identification,  assessment and management of regulatory and compliance risks and management issues of regulatory and compliance across CIMB

    •  Served in various roles in a foreign bank which included Head of Legal and Compliance for Malaysia, Regional Head of Compliance for Malaysia, Australia, Brunei, Vietnam and Head of Wholesale Banking Compliance for Hong Kong

    •  Had previously been in private practice at a leading law firm in Malaysia and has over 19 years of legal and compliance experience in financial services laws and regulations

  • Khairul Rifaie

    Group Chief Financial Officer

    Nationality: Malaysia

    Age/Gender: 38/Male

    •  First Class Honours degree in Accounting and Finance from University of Warwick. 


    •  MSc in Finance from Imperial College. 

    •  Member of the Institute of Chartered Accountants in English and Wales (ICAEW).


    •  SIBB Berhad
    •  Perdana Nominees Sdn Bhd
    •  S.B Properties Sdn Bhd
    •  S.B. Venture Capital Corporation Sdn Bhd
    •  Mutiara Aset Berhad
    •  Premier Fidelity Sdn Bhd
    •  SBB Berhad
    •  Commerce Returns Berhad
    •  CIMB Berhad
    •  CIMB Southeast Asia Research Sdn Bhd (CARI)
    •  CIMB Real Estate Sdn Bhd
    •  CIMB Group Sdn Bhd



    •  Prior to his current role, Khairul held the position of CFO, Malaysia and Regional Head, Financial Control with responsibility for tax, regulatory reporting, financial accounting, management reporting, business finance advisory, product control and financial planning.

    •  Khairul started his career with KPMG, London focusing on servicing Investment Banking clients. 

    •  In 2006, he joined Goldman Sachs, London as an equity analyst covering the European Insurance Sector. He then joined UBS, Malaysia in 2009 to cover the Malaysian Banking Sector and later on also covered the Singapore Banking sector. 

    •  Prior to joining CIMB Group, Khairul was working at RHB Group, Malaysia as the Head of Finance of RHB Islamic and Head of Investor Relations.

  • Amran Mohamad

    Group Chief Internal Auditor

    Nationality: Malaysian

    Age/Gender: 44/Male

    •  Bachelor of Science (Hons) in Accountancy from the University of East Anglia, Norwich, United Kingdom

    •  Fellow member of the Association of Chartered Certified Accountants (ACCA)

    •  Member of the Malaysian Institute of Accountants (MIA)

    • Member of Institute of Internal Auditors Malaysia (IIA)


    •  Nil


    •  Ensures that the Group Internal Audit Division supports the CIMB Group Audit Committee, CIMB Banking Group Audit Committee and other relevant Audit Committees of Group's subsidiaries in discharging their responsibilities, as well as managing their respective governance, risk and control functions. He oversees the Internal Audit functions across the entire Group.

    •  Amran has over 20 years of audit experience in the areas of capital market, corporate and retail banking gained working in Malaysia and the United Kindgom.  Amran’s last held position before joining CIMB was Senior Vice President, Internal Audit with Royal Bank of Scotland in London.  He had also previously worked with PwC, KPMG, UniCredit Bank and Barclays Capital.

  • Datin Rossaya Mohd Nashir

    Group Company Secretary

    See Profile Under : Board of Directors

CIMB Group
Corporate Snapshot
Total Assets:
RM 473.2 billion
Total Funds Under Management:
RM 70.7 billion
Global Markets:

Total Shareholders' Funds:
RM 39.7 billion
Staff Strength:
Over 40,000