Management Team

Meet the people committed to bringing to you fresh customer experiences.

FWD Takaful

Salim Majid Zain

Chief Executive Officer

Salim is our Chief Executive Officer, leading the overall strategy and development at FWD Takaful. Prior to joining us he was CEO of a start-up Takaful brand/Operator becoming instrumental in accelerating its business growth. With a highly respected career spanning more than two decades, Salim’s leadership skills have been the guiding force – from adopting new technology through to high-level change management and the development of people. With a goal-orientated focus, and a track record of impressive commercial success, he now sets the direction for all of us at FWD Takaful – in doing so creating an exciting new Takaful opportunity for Malaysians.

Wan Ahmad Najib Wan Ahmad Lotfi

Chief Strategy & Digital Distribution Officer

Najib heads up the strategic, governance and digital distribution functions across all our business channels – with innovative and workable solutions for our brand. Najib was previously at the helm of a number of high-level industry projects including more recently launching a new Takaful brand into the market. From his experience and insights through to his track record and published work, Najib is a highly respected industry figurehead and we’re proud that he now brings this expertise to FWD Takaful.

Yeoh Eng Hun

Chief Financial Officer

Eng Hun leads the Finance team of FWD Takaful. He has 20 years of experience in the insurance industry in the areas of Actuarial, Risk Management, Operations, Strategy and Products. He is a Certified Practising Accountant (Australia), a Fellow of the Institute of Actuaries of Australia, and a CFA® charterholder.

Mohd Radzuan Mohamed

Chief Risk Officer

Radzuan is accountable for the corporate governance areas of risk. He plays a critical part in implementing various aspects of risk management from risk engineering, enterprise risk management, risk adjusters and risk advisor & consultants. Radzuan has over 20 years of industry experience and he is a familiar figure in the risk management fraternity. He possesses a long track record of senior risk management positions with multinational insurance brands. He holds a Bachelor in Risk Management from Glasgow Caledonian University and Bachelor in Insurance and Risk Management from the MARA Institute of Technology.

Eng Yuan Choong

Appointed Actuary

A seasoned insurance professional, Yuan Choong is an actuary with more than two decades of experience in the local insurance and takaful sectors in Malaysia and Indonesia. Yuan Choong ensures that the business is conducted on a sound financial basis within the reasonable expectations of the policyholders. He plays a leadership role in various companies that range from start-up operators to market leaders. He has been a Fellow of the Society of Actuaries (US) since 2003 and graduated from the University of Manitoba with Bachelor of Commerce in Actuarial Science and Finance.

Erin Hwang

Chief Marketing Officer

Erin is one of our true visionaries. She steers our marketing ethos, ensuring that our brand vision is at the heart of everything we do. Erin’s work spans a number of areas – from customer-analytics through to multi-channel strategic direction. Her previous experience has seen her develop and launch a number of global advertising campaigns including for a preeminent insurance organisation where she led from the front as Head of Brand and Communications.

Muhammad Devan Abdullah

Chief Compliance Officer

Devan leads and oversees the overall compliance governance framework to ensure we remain in line with Shariah and regulatory requirements as the business grows. Prior to his current role, he was the Head of Corporate Office and Customer Care of a leading multi-line insurer, responsible for safeguarding compliance and regulatory requirements, notably corporate governance, ethics and outsourcing. The breadth of his experience spans operations, compliance, risk and Shariah.

Muzni Mohamad

Chief Human Resource Officer

Muzni drives the people agenda to enhance employee experience in line with the Group HR strategies and country business requirements. She has held leadership positions in generalist HR and specialist functions including employee and industrial relations as well as talent management in establishing and implementing strategic HR initiatives.

Mark Cheng

Chief Technology and Operations Officer

Mark leads the technology and operations functions to ensure operational readiness for rapid expansion of FWD Takaful in Malaysia while driving digital transformation to support the growth agenda, as well as cater for a new generation of customers. Mark joins us on secondment from FWD Group, where he most recently served in a similar capacity in FWD Indonesia since 2017. He is vastly experienced in spearheading business transformation, mergers and acquisitions, reinsurance support and change management for the IT and Operations functions across Asian countries – Hong Kong, Greater China, Indonesia and Malaysia. He has great familiarity with and understanding of the Malaysian market and culture, having led IT and Operations locally for 5 years in total.

Yoga Adrian

Head of Internal Audit

Yoga leads the team to carry out independent, objective assurance and consulting activity designed to add value and improve operations. Yoga has completed the professional exams by the Association of Certified Chartered Accountants (ACCA) and has a Certificate in Islamic Law from the International Islamic University Malaysia.

Sharifah Zarina Syed Osman

Chief Product Officer

Sharifah leads the Product and Pricing team and is responsible for product & pricing deliverables for all distribution channels. Sharifah is vastly experienced in actuarial valuation and pricing, product proposition as well as product management. Sharifah earned a Master of Science in Applied Mathematics from the University of Illinois at Urbana-Champaign and a Bachelor of Science in Actuarial Science from Roosevelt University, Chicago, Illinois.

Board of Directors

Board Charter

K. Vithyatharan A/L V. Karunakaran

Independent Non-Executive Director

Mr K. Vithyatharan was appointed on 6 May 2015. He is the Chairman of the Audit Committee and Risk Committee, and a member of the Nominations and Remuneration Committee of the Company.

Mr K. Vithyatharan is a knowledgeable and experienced finance and audit professional with over 20 years in carrying out statutory and internal audit, risk management and operations and financial due diligence. He is a qualified Certified Public Accountant with over 15 years' experience at KPMG globally (served in their London, Bahrain, Qatar, Singapore and Malaysia offices). In addition to his experience in KPMG, he was previously a VP, Credit Risk in Citibank and RHB Bank. He was the director of audit services (Financial Services) in KPMG Bahrain before his retirement as the Acting CEO of Asia Capital Reinsurance Bahrain, a reinsurance company in 2013. He has attended a number of executive leadership programmes including Harvard Business School, Boston.

Nor Azian binti Mohd Noor

Non-Independent Non-Executive Director

Puan Nor Azian was appointed on 22 February 2017. She is a member of the Nominations and Remuneration Committee of the Company.

Puan Nor Azian graduated with a Bachelor of Commerce in 1988 from the University of Wollongong, Australia, majoring in Accountancy. She is also a member of CPA Australia and the Malaysian Institute of Accountants. She started her career at PricewaterhouseCoopers after graduation and has worked for Employees Provident Fund (EPF) for more than 11 years, having started her career at EPF in 1995 as an Accountant in Finance Department. She is currently the Head of Finance of Finance Department at EPF.

Dr. Cheah You Sum

Independent Non-Executive Director

Dr. Cheah You Sum was appointed on 21 August 2017. He is a member of the Audit Committee, Risk Committee, Nominations and Remuneration Committee of the Company.

Dr. Cheah is an Associate Professor of the Centre of Commercial Law and Justice at Sunway University. He is a Fellow of the Chartered Insurance Institute (FCII) and a Member of the Chartered Institute of Arbitrators (MCIArb).

Dr. Cheah has gained many years of working experience in the financial services industry which includes experience in an established bank, general and life insurance companies. A large part of that experience is gained at middle to senior management level. He has gained overall exposure ranging from technical knowledge to business development and being the Chief Executive Officer with the overall responsibility for the bottom line performance of the company. He has worked with and led teams from diverse background, religious beliefs and culture as a result of his working experience in local companies, a foreign based company and foreign university partner.

Muhammad Ali Jinnah bin Ahmad

Independent Non-Executive Director

Mr Muhammad Ali Jinnah was appointed on 21 August 2017. He is a member of the Audit Committee, Risk Committee, Nominations and Remuneration Committee of the Company. He is also the Chairman of the Shariah Committee.

Mr Muhammad Ali Jinnah, earned a Master degree in Islamic Management, Banking and Finance from the Loughborough University, UK in 2004. He currently is a Researcher at International Shari'ah Research Academy for Islamic Finance ("ISRA") since March 2009. ISRA was established by Bank Negara Malaysia ("BNM") in 2008 to promote applied research in the area of Shariah and Islamic Finance. He is one of the co-authors of the world's first most comprehensive Islamic finance textbook, "Islamic Financial System: Principles & Operations". He is also the co-authors for several outstanding ISRA's Research Papers including "The Parameter of Permissible Risks in Takaful". Muhammad Ali presented at various workshops and conferences in Takaful and Islamic Finance at local and international level including Cambridge University, UK and Harvard University, USA.

Arthur Lee

Executive Director

Mr Arthur Lee was appointed on 22 March 2019. Mr Lee is the Executive Vice President, New Markets & Corporate Governance, and South-East Asia Chairman of FWD Group. In this capacity, Mr Lee oversees FWD’s efforts to expand geographically and deepen our presence in our current operating countries, as well as lead the corporate governance areas of risk, compliance, and legal. He is a member of the Board of Directors of a number of FWD businesses. Mr Lee has a long track record of C-suite experience in Asia Pacific and deep knowledge of the insurance industry with a history of long-term relationships with key partners across Asia. In his previous role, he was at the helm of Tokio Marine, as Chief Executive and member of the Board of Tokio Marine Asia, and as Executive Officer of Tokio Marine Holdings, driving the expansion and development of the business and management of the operations in the region. He was also a member of a number of boards within the Tokio Marine group. Prior to Tokio Marine, Mr Lee was the Executive Director of Asia Insurance Ltd and Asia Life Assurance Society for several years where he managed both the Singapore and Malaysia P&C, and later, life businesses. Mr Lee graduated with a BA in Economics, and a Juris Doctorate. He is active in public service in Singapore, and was awarded the Public Service Star (BBM) in 2016.

James Loh

Independent Non-Executive Director

Mr James Sinn Yuk Loh was appointed on 22 March 2019. He is an independent director and an Audit Committee member of FWD Singapore Pte. Ltd.. James, founder and former CEO of JL Capital Ltd, has more than 40 years investment experience. At JL Capital he oversaw the launch of eight funds, managing more than US$1 billion in assets.

He began his career with Salomon Brothers in New York.

He’s since worked across various investments banks across the globe – including nearly ten years at the Union Bank of Switzerland (now UBS AG) in Singapore.

By 1999 he’d joined Barclays Capital and was responsible for all Barclays’ trading activities across the Asia Pacific.

As Chairman of the Investment Committee at the University of Singapore, he entirely revamped their investment process. His work directly contributed to the university growing its endowment fund to the current market value in excess of USD 7 billion.

Beyond JL Capital, James has been actively involved in various organizations including co-founding Leap Philanthropy, a non-profit which aims to reduce poverty in Indochina.

James graduated from the University of Chicago with a Master’s degree in Business Administration, Finance.

Our Shariah Committee

We are honoured to introduce our highly esteemed committee of experienced and respected scholars, all of whom have previously served on Shariah Committees for other financial institutions. This committee mentors and manages us in strict accordance of the Shariah. Their endorsement of our work underpins everything we do, and we’re privileged to have their advice and counsel.

Mr Muhammad Ali Jinnah is the Chairman of the Shariah Committee of FWD Takaful Berhad. He is also an Independent Non-Executive Director of FWD Takaful Berhad. He has published numbers of articles, research papers and chapter in books in Islamic Finance and presented in national and international conferences including at Harvard and Cambridge University. Mr Muhammad Ali holds a Bachelor Degree (Hons) in Islamic Jurisprudence from Al-al Bayt University Jordan and Master Degree in Islamic Management Banking and Finance from Loughborough University, England. Currently, he is pursuing his Ph.D. in Business at the International University of Malaya-Wales, Kuala Lumpur.

Dr. Khairul Anuar Ahmad is a senior lecturer at the Department of Shariah, Faculty of Shariah and Law, International Islamic University College Selangor. He is a graduate of Academy of Islamic Studies (Shariah Division), University of Malaya and holds both a Bachelor and Masters in Shariah from the same university. He obtained his PhD from International Islamic University of Malaysia (IIUM) and has vast experience in the Islamic finance industry. He individually and jointly has authored many academic papers on Islamic Finance and transactions, Islamic banking, zakat etc.

Dr. Mohamad @ Md Som bin Sujimon, graduated from University of Al-Azhar, Cairo in Islamic Jurisprudence and Law in 1979. He obtained his Master of Arts in Teaching from Mississippi State University (MSU), USA in 1982 and completed his Ph.D in 1997 in Islamic and Middle Eastern Studies, the Faculty of Arts, University of Edinburgh, Scotland, United Kingdom. He was an Assoc. Prof. at the Faculty of Shariah and Law, Universiti Islam Sultan Sharif Ali (UNISSA), Brunei Darussalam and was a senior researcher at the International Shariah Research Academy (ISRA) before he was appointed as a Chief Officer (Rector) of Johore Islamic College, Johor Bahru. He has published various papers in many fields of Shariah studies including fiqh munakahat, Islamic law, and Islamic Finance.

Dr. Ghazali Jaapar is an Assistant Professor in the Department of Islamic Law, Ahmad Ibrahim Kulliyyah of Laws, IIUM. He obtained his first degree from the Faculty of Shariah, University of Malaya in 1995 and after that pursued his Master degree in Comparative Law from IIUM. He then obtained his PhD in 2005 from Birmingham University. He is actively involved in delivering trainings and academic programmes, especially for executives and adult learners ranging from Certificate in Islamic Banking, Executives Diplomas and Master degree in various area of laws including Correctional and Criminology, Islamic Banking, International Law, etc.

Dr. Azrul Azlan Iskandar Mirza is a senior lecturer at the University Sains Islam Malaysia within the Faculty of Economics and Muamalat. He’s a graduate of Faculty of Shariah and Law from Al Azhar University of Tanta in Egypt. He holds an MA in Management from the International Islamic University of Malaysia and a PhD in Islamic Finance from International Center for Education in Islamic Finance. He has vast experience in the Islamic finance industry having both authored and co-authored several academic papers on Islamic finance.

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