Resume

Personal Information:

Full Name: Abdul Hadi Bin Jusoh

Date of Birth: 9 December 1978

Nationality: Malaysian

Marital Status: Married

Contact No: +6 0172002517

Email: [email protected]

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Profile:

Abdul Hadi Jusoh has 20 years of experience in the banking and finance industry, including
3 years in investment banking operations and 17 years in risk management across the risk
spectrum. i.e., operational risk management, business continuity management, credit risk
management, market risk management (including Islamic market risk management), asset
and liability management and Shariah risk management for capital market and banking
products and services including takaful.

He is currently the Vice President I/Head, Shariah and Operational Risk Department/Head,
Risk Transformation, Risk Management Division at EXIM Bank of Malaysia. Before
joining EXIM Bank of Malaysia, he was a Senior Manager of Shariah Risk Management
Department (AmBank Islamic Berhad), Senior Manager of Asset Liability Management (ALM)/
Market Risk (EXIM Bank of Malaysia), Senior Analyst of Islamic Market Risk Management
(AmBank (M) Berhad) and Senior Analyst of Derivatives and Structured Products (AmBank
(M) Berhad). He started his career as a risk and credit control officer at JF Apex
Securities Berhad. He later joined AmInvestment Bank Berhad as an Executive, Equities
Operations (institutional settlement).

Abdul Hadi holds a bachelor’s degree in economics specializing in Islamic economics from
International Islamic University Malaysia (IIUM), and a Charted Islamic Finance Professional
(CIFP) (a master equivalent) from International Center for Education in Islamic Finance
(INCEIF). He is currently pursuing a PhD in Islamic Banking and Finance
at Universiti Islam Antarabangsa Sultan Abdul Halim Mu'adzam Shah (UNISHAMS).

He is also a member of Association of Shariah Advisors in Islamic Finance (ASAS), Asian

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Educational Qualification:

2021 - Present
Universiti Islam Antarabangsa Sultan Abdul Halim Mu'adzam Shah
Doctor of Philosophy in Islamic Banking and Finance
Title of Research Paper: Development of Gharar Parameters Model (GPM) for Options
Instruments.

2010 - 2013
International Center for Education in Islamic Finance (INCEIF)
Charted Islamic Finance Professional (CIFP), a master equivalent
Title of Academic Paper: Validity of Options from Shariah Perspective.

1999 - 2003
International Islamic University Malaysia (IIUM)
Bachelor of Economics - Islamic Economics

1997 – 1999
International Islamic University Malaysia Matriculation Center
Matriculation of Economics

1991 – 1997
Sekolah Menengah Ugama (Arab) Pasir Mas
Penilaian Menengah Rendah (PMR)
Sijil Menengah Ugama (SMU)
Sijil Pelajaran Malaysia (SPM)

Professional Body:

• Associate, Association of Shariah Advisors in Islamic Finance (ASAS) (M000420)

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 CURRENT POSITION EXIM Bank of Malaysia (Minister of Finance Incorporated)
(Apr 2023 – Present) Vice President I/ Head, Shariah and Operational Risk
Department & Head, Risk Transformation, Risk Management
Division.
Kuala Lumpur
Malaysia
Contact: +603 26012047

Key Responsibilities:
• Head of Department (HOD) and direct report to Chief Risk Officer (CRO), Risk
Management Division (RMD) covering Shariah Risk Unit, Operational Risk Unit, Business
Continuity Management Unit and Risk Governance Unit.
• Head of Risk Transformation to shift the way of Bank’s approach and manage risk from
the traditional silo-based approach to risk analytics driven based on integrated enterprise-
wide risk management.
• Alternate Chairman, Quality Assurance Committee (QAC).
• Act as a permanent Invitee, EXIM Bank Management Audit, Risk and Compliance
Committee (MARCC).
• Act as a permanent invitee, EXIM Bank Shariah Committee (SC).
• Act as a permanent member, Mawadah Committee (MaC).
• Act as a permanent member, EXIM Crisis Management Team (CMT).
• Coordinator, Business Continuity Management (BCM).
• Plan and strategize the overall framework of Shariah and operational risk management
including risk governance and business continuity management across EXIM Bank.
• Ensure the Shariah and operational risk management plan and strategy including risk
governance and business continuity management are in line with the Bank’s direction and
regulatory requirements.
• Review the plan and strategy to meet the latest internal and regulatory requirements.
• Communicate the Shariah and operational risk management related matters to Asset
Liability Committee (ALCO), Management Audit, Risk, Compliance Committee (MARCC),
Shariah Committee (SC), Board Risk Committee (BRC) and Board of Directors (BOD)
including other stakeholders and regulators.

Achievement:
• Identified as a high potential future leader for EXIM Bank who to undergo for Asia School
of Business’s (ASB) emerging leaders’ program.
• Identified as a potential successor to Chief Risk Officer (CRO).

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 Jan 2020 – Mar 2023
EXIM Bank of Malaysia (Minister of Finance Incorporated)
Vice President II/ Head, Shariah and Operational Risk Department
Risk Management Division
Kuala Lumpur
Malaysia
Contact: +603 26012047

Key Responsibilities:
• Head of Department (HOD) and direct report to Chief Risk Officer (CRO), Risk
Management Division (RMD) covering Shariah Risk Unit, Operational Risk Unit, Business
Continuity Management Unit and Risk Governance Unit.
• Alternate Chairman, Quality Assurance Committee (QAC).
• Act as a permanent Invitee, EXIM Bank Management Audit, Risk and Compliance
Committee (MARCC).
• Act as a permanent invitee, EXIM Bank Shariah Committee (SC).
• Act as a permanent member, Mawadah Committee (MaC).
• Act as a permanent member, EXIM Crisis Management Team (CMT).
• Coordinator, Business Continuity Management (BCM).
• Plan and strategize the overall framework of Shariah and operational risk management
including risk governance and business continuity management across EXIM Bank.
• Ensure the Shariah and operational risk management plan and strategy including risk
governance and business continuity management are in line with the Bank’s direction and
regulatory requirements.
• Review the plan and strategy to meet with the latest internal and regulatory requirements.
• Communicate the Shariah and operational risk management related matters to Asset
Liability Committee (ALCO), Management Audit, Risk, Compliance Committee (MARCC),
Shariah Committee (SC), Board Risk Committee (BRC) and Board of Directors (BOD)
including other stakeholders and regulators.

Achievement:
• Implementation of the EXIM Bank Business Continuity Plan (BCP) during Pandemic
COVID-19.
• Establishment of Shariah Risk Profiling – Risk and Control Self-Assessment (RCSA)
• Key Risk Indicator (KRI) and Key Control Testing (KCT).
• Enhancement of the EXIM Bank Credit Risk Policy (CRP).
• Enhancement of the EXIM Bank Risk Management Framework (RMF).
• Development of the Shariah Non-Compliance (SNC) risk methodology and matrix.
• Project Manager, the Governance Risk and Compliance (GRC) Solutions - Risk and
Control Self-Assessment (RCSA), Key Risk Indicator (KRI), Key Control Testing (KCT),
Loss Event Management (LEM) and Business Continuity Management (BCM).
• Establishment of Fraud Policy Management.
• Establishment of Business-based Risk Assessment’s (BbRA) methodology to analyze the
Bank’s AMLA risk.

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 Jul 2018 – Dec 2019
EXIM Bank of Malaysia (Minister of Finance Incorporated)
Vice President II/ Head, Shariah Risk Department
Risk Management Division
Kuala Lumpur
Malaysia
Contact: +603 20612047

Key Responsibilities:
• Head of Department (HOD) and direct report to Chief Risk Officer (CRO), Risk
Management Division (RMD) covering Shariah Risk Unit, Risk Governance Unit and
Management Risk Committee Secretariat.
• Act as a permanent invitee in Shariah Committee (SC) meeting as a representative from
Risk Management Division (RMD).
• Act as a permanent invitee in Management Risk Committee (MRC).
• Act as a permanent invitee in Asset Liability Committee (ALCO).
• Act as a permanent member in Mawaddah Committee (MaC)
• Act as a permanent invitee in Product Development Committee (PDC).
• Act as a permanent invitee in Information Technology Steering Committee (ITSC)
• Attend and present in Board Risk Committee (BRC) meeting.
• Attend and present in Board of Director's (BOD) meeting.
• Plan and strategize the overall framework of Shariah risk management across EXIM Bank.
• Ensure the Shariah risk management plan and strategy are in line with the Bank’s direction
and regulatory requirements.
• Review the plan and strategy to meet with the latest internal and regulatory requirements.
• Communicate the Shariah risk management plan and strategy to the relevant stakeholders
for implementation.
• Communicate the Shariah risk management related matters to Product Development
Committee (PDC), Asset Liability Committee (ALCO), Management Risk Committee
(MRC), Shariah Committee (SC), Board Risk Committee (BRC) and Board of Directors
(BOD) including other stakeholders and regulators.

Oct 2015 – Jun 2018

Key Responsibilities:
• Direct report to Head of Shariah Risk Management, Group Risk Operational Risk and IT
Risk Governance and dotted line to AmBank Islamic Berhad.
• Present Shariah Risk Management (SRM) policies & guidelines for Shariah Committee’s
endorsement.
• Present SRM policies & guidelines for Board’s approval.
• Conduct the Product Risk Assessment (PRA), Process Risk and Control Assessment
(PRCA), Operational Readiness (OR) for financing, deposit, derivatives, and structured
products.
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• Conduct Shariah Non-Compliance (SNC) risk stress testing.
• Develop Shariah contract-based Risk Control Self-Assessment (RCSA).
• Review the RCSA, Key Control Testing (KCT) and Key Risk Indicators (KRI) of the
business units and functional lines.
• Formulate and review Shariah risk appetite for AmBank Islamic.
• Formulate and review Shariah risk management policies, process and procedures for the
identification, measurement, monitoring, reporting and control of all risks exposure from
Shariah risk taking activities.
• Monitor, analyze, and report Shariah related risk to Board, Senior Management, and
Shariah Oversight Committee.
• Engage with internal auditors, external auditors, Shariah review, compliance and Bank
Negara Malaysia on Shariah risk management matters and issues.
• Map out the key processes in managing Shariah risk management within Group Risk
Management, and AmBank Islamic for incorporation into Operational Manual.
• Conduct training on Shariah risk management across AmBankgroup.
• Keep abreast on the key development in regulatory policies, risk management tools, and
guidelines affecting Shariah risk.

Achievement:
• Recognition by AmBank Group as valued individual contributors. Performance for FY
2015/16 ranked 3+ (Meet and at times exceed expectation).
• Completed and implemented six Shariah Risk Management Policies i.e. Shariah Risk
Management Framework, Tawarruq Risk Management Policy, Murabahah Risk
Management Policy, Mudarabah Risk Management Policy, Islamic Investment Account
Risk Management Policy, Bai’ ‘Inah Risk Management Guideline and Kafalah Risk
Management Policy.
• Completed PRA and OR for wholesale and retail banking products i.e. Islamic Cross
Currency Swaps (ICCS), Enhanced Roll Alpha NID-i (ERA NID-i), Islamic Callable Range
Accrual (ICRA) NID/Swap, Foreign Currency Current Account-i (FCCA-i), Mudarabah
Term Investment Account (MTIA), Term Financing-i, Deposit-i, Factoring-i, FY Term
Financing-i, FY Revolving Facilities-i and FY Complementary Term Financing-i.
• Completed the SNC risk stress testing.
• Completed risk profiling for group business units/functional lines, and Shariah contracts.

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Sep 2013 – Sep 2015
EXIM Bank of Malaysia (Minister of Finance Incorporated)
Senior Manager, Asset Liability Management (ALM) /Market Risk
Risk Management Department

Key Responsibilities:
• Direct report to Head of ALM/ Market Risk.
• Present in the Management Risk Committee (MRC), Shariah Committee (SC), Board Risk
Committee (BRC) and Board of Directors (BOD) meeting when is deemed necessary.
• Review the Asset Liability Management and Market Risk reports for submission to the
Management Risk Committee (MRC), Board Risk Committee (BRC) and Board of
Directors (BOD), other stakeholders i.e. Bank Negara Malaysia (BNM), internal & external
auditor and rating agencies.
• Review the derivatives valuation via the Bloomberg pricing model i.e. interest rate swaps,
cross currency interest rates swaps and Islamic profit rate swaps for submission to Finance
Department.
• Conduct annual review on the Bank’s Risk Based Pricing Model (RPBM) for banking and
insurance business.
• Develop and review policies, guidelines and manuals for submission to the relevant
approving authority such as Management Risk Committee (MRC), Board Risk Committee
(BRC), Shariah Committee (SC) and Board of Directors (BOD).
• Conduct the periodical hedge effectiveness testing to justify the hedge effectiveness of the
Bank’s hedging positions via derivatives instruments such as interest rate swaps, cross
currency interest rates swaps and Islamic profit rate swaps.
• Engage the liquidity stress testing in collaboration with Credit Risk Department and
Treasury Department.
• Quantify the Bank’s liquidity and re-pricing risk using the SunGard ALM Focus System.
• Quantify the monthly Risk-Weighted Capital Ratio (RWCR) of the Bank for the regulatory
submission of Bank Negara Malaysia (BNM).
• Engage the Bank’s readiness to Basel II implementation.

Key Achievement:
• Developed and implemented ALM Policy and Liquidity Risk Management Framework.
• Completed the derivatives hedging valuation effectiveness for Interest Rate Swaps (IRS),
Islamic Profit Rate Swaps (IPRS) and Cross Currency Swap (CCS).
• Completed review Risk Based-Pricing Model (RBPM) for banking and insurance.
• Developed loan/financing pricing methodology to derive Cost of Fund (COF) both for
conventional and Islamic banking business.
• Completed liquidity stress test.
• Completed monthly computation of Risk Weighted Capital Ratio (RWCR) both for
conventional and Islamic banking business.
• Completed analysis on the Bank’s fixed income portfolio analysis from ALM/ Marker Risk
perspective.
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Jul 2013 – Aug 2013
AmBank (M) Berhad
Senior Analyst, Islamic Market Risk Management
Market Risk, Group Risk Management.

Key Responsibilities
• Direct report to Senior Manager, Islamic Risk Management.
• Co-ordinate the product readiness assessment program for Islamic products.
• Review the product proposal by the business units.
• Identify potential market risks in the new products and/or variation of Islamic products.
• Assess readiness in managing the identified risks in Islamic products.
• Provide comments or feedbacks on the Islamic concept papers by Bank Negara
Malaysia.

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Jun 2010 – Jun 2013
AmBank (M) Berhad
Senior Analyst, Derivatives and Structured Products
Market Risk, Group Risk Management.

Key Responsibilities
• Direct report to Senior Manager, Equity.
• Analyze and report on the Bank’s portfolio in equities market via market risk management
tools such as Net Open Position (NOP), Value at Risk (VAR), Capital at Risk (CAR), Profit
at Risk (PAR), Stop Loss (SL) etc.
• Work closely with product managers on the Bank’s risk appetites i.e. to advise the senior
management to justify the reasonable risk limits assigned to the business units.
• Work closely with the product managers and finance department on the regulatory
reporting by Bank Negara Malaysia i.e. stress testing, credit derivatives survey, market
risk capital charge and other ad hoc requests.
• Work closely with the product managers and risk technology on the enhancement of risk
reporting via Murex and Risk Engine Replacement.
• Work closely with the product managers and finance department on the operational
readiness of new products in pursuant to the potential risk computation, monitoring and
reporting.
• Work closely with internal and external auditors.

Key Achievement
• Completed risk computation, analysis and reporting for the Bank’s hedging portfolio,
arbitrage portfolio, proprietary trading portfolio of equity product, structured product and
derivatives product i.e., shares, index futures, equity swaps, structured call & put warrants
and exchange traded fund.
• Completed market risk stress testing for the Bank’s equity portfolio.
• Completed as input contributor on the enhancement of risk reporting via Murex and Risk
Engine Replacement.
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Jan 2007 – May 2010
AmInvestment Bank Berhad
Executive, Equities Operation (Institutional Trade Settlement)
Investment Bank Operation

Key Responsibilities
• Direct Report to Manager, Equities Operation.
• Work closely with the dealer representatives, fund managers and institutional investors
to ensure all the equities transactions (buy & sell) are duly settled within the stipulated
timeframe as regulated by Bursa Malaysia.
• Assist client services unit in the event of buy-in and over-bought equities positions by the
customers.
• Work closely with internal and external auditors.

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Dec 2004 – Dec 2006
JF Apex Securities Berhad
Executive, Risk Management & Credit Control
Risk Management Department

Key Responsibilities:
• Direct report to Manager, Risk Management and Credit Control.
• Monitor the dealers and remisiers’ transaction limits as per limit assigned or approved by
the management.
• Analyze and report the firm equities trade transactions on behalf of the retails and
institutional clients.
• Execute legal proceeding against the defaulted clients.

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Key Courses / Forums Attended:
• Islamic Shariah Scholars Forum 2017 (ISS2017), Hotel Sama-Sama, KLIA, ISRA
• IFSB-BIBF Islamic Finance Executive Programme, Manama Bahrain, IFSB BIBF
• Shariah Advisor Programme (i-Advisor) – Fundamental of Shariah Rulings, Securities
Commissions
• Market Risk Management, TM Intergrated Sdn Bhd.
• Equity Derivatives & Structured Products, AmBank Group
• Exotic Options, AmBank Group.
• Islamic Retail Financing, AmBank Group
• Regulatory Framework of ETF in Malaysia, Securities Commissions
• Broadening Investment Opportunities in Malaysia, Securities Commissions
• Understanding & Using Equity Index Futures, Creative Resource Management
• Convertible Bonds, AmBank Group.

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Industry Appointment & Contribution:
• Penilai Luar Bagi Program Diplomat Pengajian Muamalat, Kolej Profesional Baitulmal
Kuala Lumpur (May 2022 – Present)
• Trainer, Shariah Risk Management, Association of Shariah Advisors in Islamic Finance
(ASAS), (2021 – Present)
• Trainer, Risk Management in Islamic Banking & Finance and Islamic Jurisprudence,
Certificate in Shariah for Banking & Finance (CSBF), Kolej Universiti Islam Antarabangsa
Selangor (KUIS), (2020 – Present)
• Examiner, Certified Professional Shariah Auditor (CPSA) Module 4 (Shariah Risk
Management), Development Committee, IBFIM (2020 – present)
• Industry Advisor, Jabatan Muamalat, Kolej Dar al-Hikmah (January 2014 - Present).
• Technical Reviewer, Enterprise Risk Management (Banking), Chartered Institute of Islamic
Finance Professionals (2020)
• Technical Reviewer, Certified Professional Shariah Auditor (CPSA) Module 4 (Shariah
Risk Management), Development Committee, IBFIM (2019)
• Co-Writer with Associate Professor Dr. Azman (IIBF, IIUM) on Peranan Institusi Kewangan
Islam (IKI) Di Dalam Memperkasakan Pendidikan Keusahawanan, 2018.
• Subject Matter Expert – Shariah Risk, Afsha Shariah Advisory Sdn Bhd, (2017 – Present)
• Secretary, Dewan Ekonomi – Majlis Dakwah Negara (MDN) (2017- 2019)
• SIDC’s speaker for Islamic Capital Market Graduate Training Scheme (IGMTS) i.e. Islamic
equity market (2015 – 2017)
• Speaker in Islamic banking, capital market & derivatives for IPTA/IPTS (2014 – 2018)
• Project Advisor, Reason for Jump (RFJ) in Islamic Banking & Finance, Kuliyyah of ICT,
International Islamic University Malaysia (IIUM) (September 2016 – December 2016).
• Project Advisor, List of Terminology in Islamic Banking & Finance, Kuliyyah of ICT,
International Islamic University Malaysia (IIUM) (August 2014 – September 2014,
February 2015 – August 2015).
• Lecturer, Risk Management & Takaful, Jabatan Muamalat, Kolej Dar al-Hikmah (July 2011
– 2013)

Publication:
• Majalah Inilah Islam, Aras Mega Sdn Bhd.
Title of the Articles: Indahnya Ekonomi Islam, Penerapan Elemen Rabbaniyyah Dalam
Sistem Ekonomi Islam, Mengoptimumkan Peluang Pekerjaan Dalam Sistem Ekonomi
Islam, Tasawwur Pembangunan Ekonomi, Margin Keuntungan Dalam Ekonomi Islam,
Impak Sedekah Terhadap Ekonomi dan Kuasa Beli

• Majalah Sinar Rohani, Jabatan Kemajuan Islam Malaysia.

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Key Competency:
• Highly analytical thinking with demonstrated talent for identifying, scrutinizing, improving,
and streamlining complex work processes, as well as analytical review of product
development.
• Flexible team player who thrives in environments requiring ability to effectively prioritize
and juggle multiple concurrent projects.
• Goal-driven leader who maintains a productive climate and confidently motivates,
mobilizes, and coaches employees to meet high performance standards.

Skills / Interest:
• Familiar with Words, Excel, Windows, Power Point.
• Internet savvy for conducting research.
• Likes to read and travel.

Languages Spoken:
• English
• Arabic
• Malay.

Referee:

To be provided upon request.

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