A bank for Malaysians, by Malaysians
‍‍

A strong mission takes a strong team. With more than 95% Malaysian employees from both the technology and finance sectors, every individual shares the same conviction that by combining technology, finance expertise, and guided by our core values, we can deliver a platform to empower local communities and businesses to be financially resilient.

Cinta

We love our community, our bank and we pour our hearts and minds into innovation that change how Malaysians can live.

Curiosity

We will not stop asking the hard questions in the pursuit of the right solutions, so that you will always have the best that we can offer.

Courageous

We challenge the old ways and embrace and obstacle or hurdle in order to build a sustainable business that is fair for all Malaysians.

Board of Directors

Datuk Zaiton Binti Mohd Hassan
Chairman, Independent Non-Executive Director

Datuk Zaiton Binti Mohd Hassan

Chairman, Independent
Non-Executive Director

Female, Malaysian

Datuk Zaiton was appointed as Independent Non-Executive Director and Chairman of GX Bank Berhad (formerly known as A5-DB Operations (M) Sdn Bhd) effective from 1 July 2022. She is also a member of Board Audit Committee, Board Risk and Compliance Committee, Board Remuneration Committee and Board Nomination Committee of the Bank.

Datuk Zaiton is a Fellow and Council Member of the Association of Chartered Certified Accountants (ACCA), United Kingdom, a member of the Malaysian Institute of Accountants, Malaysian Institute of Certified Public Accountants and was Deputy Chair of the International Federation of Accountants (IFAC) Professional Accountants in Business (PAIB) Advisory Group.

Datuk Zaiton started her career in PriceWaterhouse (now known as PricewaterhouseCoopers). She then moved into banking, including serving Malaysia’s largest bank, Maybank for 12 years in various senior positions in Treasury, International Operations and Group Strategic Planning.

She was selected by the Central Bank of Malaysia to set up the country’s second rating agency, Malaysian Rating Corporation Berhad where she was President for eight years. She is a career professional who has served as a Chairman and Board Member in the banking and plantation sectors namely, Bank Islam Malaysia Berhad, Bank Pembangunan Malaysia Berhad and Sime Darby Plantation Berhad respectively.

She had led the Board and Management of Bank Pembangunan Malaysia Berhad, assisted by the World Bank, to a new direction and strategic business model to assess projects applying for funding from the Bank using an Impact Assessment Framework, measuring impact to national development on one dimension and contribution to the achievement of the UNDP Sustainable Development Goals (SDGs) on another dimension.

She is an active member in Malaysia’s accounting fraternity. She is currently the Chief Executive Officer of a not-for-profit institution, the Malaysia Professional Accountancy Centre (MyPAC), which focuses on giving the opportunity and funding for students from underprivileged B40 families to pursue professional accountancy qualifications.

Datuk Maimoonah Binti Mohamed Hussain
Independent Non-Executive Director

Datuk Maimoonah Binti Mohamed Hussain

Independent
Non-Executive Director

Female, Singaporean

Datuk Maimoonah was appointed as Independent Non-Executive Director of GX Bank Berhad (formerly known as A5-DB Operations (M) Sdn Bhd) effective from 1 July 2022. She is currently the Chairman of the Board Audit Committee and Board Risk and Compliance Committee of the Bank.

Datuk Maimoonah is an accomplished banker with over 40 years of experience specialising in debt capital markets, structured finance, securities, asset management and investment banking. She had worked with leading global financial and banking institutions including Morgan Grenfell (Asia) Ltd, Standard Chartered Bank, Singapore and Malaysia, Affin Bank and Affin Hwang Investment Bank group, Malaysia.

Datuk Maimoonah joined the Affin Bank Group in 2003 and held various senior management positions with the latest being the Group Managing Director of Affin Hwang Investment Bank from 2014 until her retirement in 2019. She led the successful merger of Affin Investment Bank and Hwang DBS Investment Bank, exceeding all merger targets. She was instrumental in building the business and franchise, and transformed Affin Investment Bank to become one of the leading players in Malaysia, recognised as ‘Overall Best Equities House’ by Bursa Malaysia for five consecutive years. Her contributions have been recognised through various awards, notably Singapore Business Awards ‘Outstanding Chief/Senior Executive (Overseas) 2014 and World HRD Congress’ Asian CEO of the Year and Malaysian CEO with HR orientation 2019.

Datuk Maimoonah is a Chartered Banker and holds a Bachelor of Accountancy from the National University of Singapore.

Mohamad Reza Bin Abdul Mutalib
Independent Non-Executive Director

Mohamad Reza Bin Abdul Mutalib

Independent
Non-Executive Director

Male, Malaysian

Encik Mohamad Reza (“Encik Reza”) was appointed as Independent Non-Executive Director of GX Bank Berhad (formerly known as A5-DB Operations (M) Sdn Bhd) effective from 1 July 2022. He is currently the Chairman of the Board Remuneration Committee and Board Nomination Committee of the Bank. He is also a member of the Board Audit Committee.

Education and Qualification: -
● Encik Reza obtained his Bachelor’s Degree in Science (Economics) from Northeastern University, Boston, USA in 1996.
● Encik Reza obtained his Master of Arts (Economics) from Northeastern University, Boston, USA in 1997.
● Encik Reza obtained his Master of Business from the University of Newcastle, Australia in 2005.

Experience: -
● Reza began his career in equities research at Peregrine Research and later moved onto Merrill Lynch covering the transport and automotive sector. He developed direct hands on experience in the Middle East region through his work as a Regional Executive for PROTON Berhad where he rose to become the Group Head of Marketing Communications.
● Moving in the early 2000s, Reza subsequently became the General Manager of Renault Malaysia under the Tan Chong Group, wherein during his decade-long tenure there, he was also a Founder and Director of First Energy Network, laying the foundation of electric vehicle charging infrastructure in Malaysia.
● In 2015, Reza moved to Singapore to head up Subaru’s regional marketing communication activities and was also Country Head for Malaysia and Philippines for the Group.
● Reza is currently the Founder and CEO of Karrus Automotive and Lotus Karz – the sole and exclusive franchisors for Subaru and Lotus cars respectively in Malaysia. He is also the CEO of Karrus Private Garage, an entity involved in the importation and sales of multi-brand range of vehicles.
● Encik Reza was appointed to the Board of Propel Global Berhad on 1 July 2022 as an Independent Non-Executive Director and was then further appointed as Executive Chairman on 9 January 2023.

Lim Kell Jay
Non Independent Non-Executive Director

Lim Kell Jay

Non Independent
Non-Executive Director

Male, Malaysian

Encik Lim Kell Jay (“Encik Kell Jay”) was appointed as Non Independent Non-Executive Director of GX Bank Berhad (formerly known as A5-DB Operations (M) Sdn Bhd) effective from 20 February 2023. He is a member of the Board Remuneration Committee and Board Nomination Committee of the Bank.

Encik Kell Jay currently is the Regional Head of GrabFin, the fintech arm of Grab Financial Group. In this role, he is accountable for the development and execution of Grab's fintech vision of bringing financial inclusion to the 6 in 10 Southeast Asians who are under-served. GrabFin consists of payments, lending, insurance, and rewards. His previously held positions in Grab include Head, Grab Financial Group Singapore, Regional Head of Merchants, Regional Head of Operations & Regional Head of GrabCar.

Prior to joining Grab, Encik Kell Jay led complex customer analytics projects for large multinational clients in his previous stint at Accenture. This experience has proven useful in equipping him with the knowledge and expertise to understand both customers and drivers’ needs in order to enhance the Grab experience.

Encik Kell Jay graduated from the University of Sheffield with an Honours degree in Electronic Engineering.

Muthukrishnan Ramaswami
Non Independent Executive Director

Muthukrishnan Ramaswami

Non Independent Executive Director

Male, Singaporean

Encik Muthukrishnan Ramaswami (“Encik Ramaswami”) was appointed as Non-Independent Executive Director of GX Bank Berhad (formerly known as A5-DB Operations (M) Sdn Bhd) effective from 2 May 2023. He is a member of the Board Risk and Compliance Committee of the Bank.

Encik Ramaswami is currently a Group Chief Executive Officer of GXS Bank Pte. Ltd.

Encik Ramaswami is a Finance, Technology & Operations professional with over 35 years of international experience, including 12 years at Singapore Exchange (SGX), 21 years at Citibank and 3 years at Nestle.

Encik Ramaswami retired as President of Singapore Exchange on 1 October 2019. In various roles at the Singapore Exchange, he had broad responsibilities and helmed Technology, Operations, Product Management and Marketing and International Coverage with responsibility for all regulated subsidiaries of the Exchange.

Encik Ramaswami joined SGX from Citigroup where he held senior positions across Operations, Technology and Transaction Banking in various locations including Mumbai, Singapore, Hong Kong, London and New York.

Encik Ramaswami serves on the Boards of JTC, Jurong Port, National University Health System (NUHS), Synapxe and Temus – all in Singapore. He also previously served on the boards of Singapore’s Accounting and Corporate Regulatory Authority (ACRA), Infocomm Development Authority (IDA) and several of SGX’s subsidiaries including the Energy Market Company.

Encik Ramaswami holds a Master’s Degree in Mathematics (Honours) from Birla Institute of Technology and Sciences, and a Post Graduate Diploma in Management Studies (Masters in Business Administration) from the Indian Institute of Management, Ahmedabad.

Meet the minds behind the mission

Lai Pei-Si
Chief Executive Officer

Believes that life is what we make it, always has been, always will be.

"With a digital bank, I get to lead from zero to one, standing on shoulders of giants, delivering financial solutions to the underserved for a better Malaysia."

Fadrizul Hasani
Chief Technology Officer

Who was the first engineer ever at Grab!

"I joined the bank to help more people as how Grab has helped drivers, riders and merchants."

Hildah Hamzah
Chief Of Staff

Whose watches and clocks are always 10 minutes ahead.

"I wanted to find a better way to empower Malaysians to change their own narrative. Hopefully by doing so, change the future of Malaysia"

Kaushik Chowdhury
Chief Commercial Officer (Retail)

Is in love with Malaysian nasi. Even though it does not help in the lifelong fight with weight!

"Finding the balance between being right by the user and still make money as a business, convinced it can be done!"

Prasanna Raghavendra Rao
Chief Commercial Officer (SME)

Where smiles ☺ are his favourite currency.

"I join a digital bank to actively contribute to the forefront of the digital revolution in finance and shape the future of modern banking."

Vincent Mok
Chief Risk Officer

Who is our most trustworthy OCD colleague.

"Love the challenge of pioneering the build of the digital bank of choice from scratch."

Caroline Chong
Head of Data

That is obsessed with new innovations and equality.

"I want to be part of the future of banking where data can be used to expand equal opportunity to the underserved and unserved."

Calvin Foo
Head of Partnerships

That dreams of concluding negotiations with a game of 'Scissors, Paper, Stone'.

"Pajama-friendly Banking. I believe everyone deserves the ability to manage their finances in the comfort of their PJs and not worry about dealing with long lines and crowds."

Cian Robert Simmonds
Head of Product & Design

That isn't fond of suits.

"I want to build the bank that Malaysians love; easy to operate, fun to use and helpful when you most need it"

Karina Sivam
Head of Internal Audit

Black belt chilli padi.
Enough said.

"I want to be part of the tidal wave that is reshaping banking, with a core focus of empowering all Malaysians at its heart"

Nadia Farhan Noordin
Head of Compliance

Where ice cream makes the (her) world go round and round!

"I wanted the opportunity to start something from a blank piece of paper, with hopes of empowering Malaysians to take charge of their financial decisions."

Sarah Yon
Head of People

A Sabahan who loves nature, sun, sand & vitamin-sea.

"Cinta for the rakyat, to provide a financial inclusive opportunity to thrive in their businesses, education, careers and families."

Sylvia Liao
Head of Customer Experience

With dancing feet and love the outdoors.

"Love to challenge myself to join a new bank and be part of the team to build it from scratch with love and great teamwork."

Yeap Yan Han
Head of Marketing

Is well aware of the irony that he's too shy for social media.

"Joining a digital bank means I don't have to hide my insecurities behind terms and conditions."

Zarina Nadzimuddin
Head of Legal & Secretariat

That holds 3Cs like the bank: Chick flick, chick lit and coffee.

"I joined the bank for the change of thought process since I have been in conventional banks. I also want to deliver the mandate for the unserved and underserved."

It's time to make your money make more money

Open a GX Account today in no more than 4 minutes.

Start exploring smarter ways to save, spend and grow your money securely, anywhere and anytime - all without any fees.

The greater the gang, the grander the gains. Earn RM8 referral rewards every time you help a friend grow their money with us, no cap.

Terms and Conditions apply.