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Aria Putera

En. Aria Putera Ismail
Group President / CEO


Aria Putera Ismail, A Senior Management with over 18 years of progressive experience within the banking and investment industry, with specific expertise in achieving financial goals and providing Shariah compliant solutions, deals originations/negotiations and product innovations across jurisdictions to improve profitability and transactional efficiency.

He was the President Director/CEO of Pt Maybank Syariah Indonesia, a wholly owned subsidiary of Maybank Berhad, focusing on small, medium and large corporate segments in Indonesia. He is also responsible in the transformation and re-strategising Syariah banking plan for the Group in Indonesia, including talent development, product innovation and new markets.

Prior to that, he was the EVP/Director, Global Markets Islamic of Maybank Islamic Berhad (MIB) the largest Islamic Bank in the Asia Pacific region. In his capacity as the Director of Global Markets Islamic, he is responsible for managing and overseeing the global Islamic treasury operations of the banking group and developing strategies to enhance Islamic treasury capabilities and product offerings. Since joining MIB, he has engaged with regulators from different countries and collaborated with many banking and financial institutions in ASEAN to develop cross-border initiatives and increase Islamic financial transactions between the countries.

Prior to Maybank Islamic, Aria was the General Manager of Global Markets Islamic at Hong Leong Islamic Bank where he assisted the group to successfully launch Hong Kong's first Islamic Banking Window in 2008. He was able to repeat this success for Maybank Islamic in 2012 by establishing an Islamic window for Maybank Berhad's Hong Kong branch.

Aria started his career with Maybank Finance Berhad as an officer before joining Bank Negara Malaysia (BNM) in year 2001. Besides treasury/monetary policy operations, he was also actively involved in several major new Islamic product developments for BNM such as Wadiah and Mudharabah for monetary policy operations, Bank Negara Sukuk al Ijarah and Bank Negara Islamic Monetary Notes.

Driven by his passion in FinTech and Innovations in banking and financing, Aria holds an MBA, majoring in Islamic Banking and Finance from the International Islamic University of Malaysia, BBA (Hons) Finance and Diploma in Investment Analysis from Universiti Teknologi MARA. He is an active member of the Capital Markets and Treasury Committee (CMTC) of the Association of Islamic Banking Institutions in Malaysia (AIBIM) since 2008, where he is responsible in promoting cross border treasury businesses in the region and creating new treasury products.

Director Hardee

En. Mohammad
Hardee Ibrahim
Chief Banking Officer


Mohammad Hardee has more than 15 years experience in the financial services industry specialised in regional capital market and investment management.

He was Chief Executive Officer of Dagong Malaysia Rating Services and prior to that he was Executive Director of Goldman Sachs and Portfolio Manager of Investment Operations & Financial Market at Bank Negara Malaysia.

He holds a Master in Business Administration (Finance) from University of Essex, UK and registered Chartered Accountant with the Malaysian Institute of Accountants. He is also certified Licensed Dealer under Malaysia Financial Market Association and Capital Market and Financial Services of The Institute of Banking and Finance (Singapore).

En. Haizad Rizal Aziz
Group Chief Financial


Having obtained the prestigious Associate Chartered Accountant (ACA) from the Institute of Chartered Accountants in Ireland (ICAI) and a Bachelor of Arts (Hons.) in Accounting and Finance from Liverpool John Moores University, Encik Haizad Rizal worked in Ireland for 10 years with BDO Simpson Xavier, Daiwa Europe Fund Managers and KPMG before returning to Malaysia in 2009 where he joined RHB Bank Berhad as Head of Group Statutory and Management Reporting. He then became the Head of Finance, RHB Islamic Bank followed by Vice President, RHB Investment Bank Berhad before taking up the post of Group Chief Financial Officer with Johawaki Group of Companies in 2013. Encik Haizad Rizal joined SME Bank in March 2016.

En Khairil

En. Khairil Anuar
Mohammad Anuar
Group Chief Strategy


Khairil has spent more than 20 years working in the financial services sector, having started his career as a senior executive in the Supervision Department of the Central Bank of Malaysia, he then moved to Strategic Management Department before landed a role as a Manager in the Governor’s Office.  After 13 years in the Central Bank, he decided to take up the position as Head of Corporate Strategy of Al Rajhi Bank Malaysia where he was responsible for all aspects of strategic management including KPI setting, business planning and execution of strategies. From there he then joined Hong Leong MSIG Takaful in 2014 as the Head of Risk Management & Compliance, where he was responsible for the development of the company’s capital management plan, governance and risk management framework.

Khairil developed a strong passion in the area of governance, strategies, risk management and organisational performance where he believes that these are the core elements in delivering sustainable growth and organization excellence.

Khairil holds a BA (Hons) in Accounting & Finance from DeMontfort University, Leicester, MSc (with Distinction) in Risk Management from Glasgow Caledonian University and completed the Oxford Advanced Management & Leadership Programme (OAMLP) from University of Oxford.  He is also a member of the Institute of Risk Management (IRM) UK.

Y.M. Raja Shahriman
Raja Harun Al Rashid
Chief Operating Officer


A graduate with a Bachelor of Commerce from the University of Queensland and a Masters of Business Administration from Charles Sturt University, Australia, Y.M. Raja Shahriman began his career with RHB Bank Berhad before joining the Financial Conglomerates Supervision Department of the Bank Negara Malaysia (Central Bank of Malaysia) where he gained extensive exposures in micro-supervision and macro-surveillance in ensuring the safety and soundness of the financial institutions under his purview.

After a decade with the Bank Negara Malaysia, Y.M. Raja Shahriman then joined Deloitte Malaysia as a Director within its Enterprise Risk Services. In 2013, he took up the post of General Manager in the Hong Leong Bank Berhad heading its Compliance function before joining SME Bank in 2015 as the Director, Group Compliance and Risk Management Division.

In 2017, Y.M. Raja Shahriman completed the Global Banking Leaders Programme from Cass Business School, City University of London. In 2018, he was re-assigned to the Group Audit Division as well as accomplished his Oxford Advanced Management & Leadership Programme at Said Business School, University of Oxford. He was then appointed as Chief Operating Office of SME Bank effective January 2019.

Pn. Zarina Nor Ismail
Chief Credit Officer


Puan Zarina Nor has held various positions in the banking sector since 1993 after graduating from the Bristol University, United Kingdom with Bachelor of Science in Economics & Accounting. As one of the longest serving staff of SME Bank, Puan Zarina Nor has extensive experience in marketing, credit, branch operations and managing SME Bank’s regional centres. Puan Zarina Nor was promoted as the Director of Channel Management in 2015.

Hairil dt2

En. Hairil Izwar
Abd Rahman
Group Chief
Digital & Technology


A graduate with a Bachelor in Business Finance and a Masters of Business from Universiti Utara Malaysia, Hairil Izwar began his career with Mayban Finance for two years before joining our country’s giant telco Telekom Malaysia (TM), for more than 15 years in various division and subsidiary companies of TM Group. During his tenure with TM, he gained extensive exposures in Business Development area and managed to close 4 Big Data Government projects namely the Department of Statistic Malaysia (MY IPCS DOSM) for the first digital e-census project in 2020, the first Price Intelligent and Trade Enterprise Characteristic in Asean (STABDA DOSM), Syarikat Air Terengganu Business Intelligent Solution (SATU) and a project for Natural Resources & Environmental Ministry (NRE)


Hairil Izwar had also successfully introduced and implemented multiple impactful projects, smart partnership, digital lifestyle, sales coverage, e-form and biometric projects that improved the organization’s performance while holding the position as Head, SME Business Development at TM SME.

Overall, Hairil Izwar has vast experienced ranges from business analytic, sales strategy and management, specializing in SME, Enterprise and Public Sector segments. He also has a strong acumen in ICT, digital solutions, business transformation, ecosystem partner collaborations and account management. He always strive to contribute significant result towards a long-term organizational growth with new ideas and operational excellence.

After more than a decade with TM, he moved to SME Bank on 1 November 2018 to assume the position as the Group Chief Digital & Technology Transformation Officer. He will be undertaking a number of exciting transformation projects that will shape the future of the Bank


Cik Pn. Sainursalwa Sani
Group Chief
Human Capital Officer


En. Mohd Fikri Abdul Ghapar
Group Legal Council




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Hubungi Kami:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700