{"id":5718,"date":"2025-03-28T03:23:40","date_gmt":"2025-03-28T03:23:40","guid":{"rendered":"https:\/\/fmos.org.my\/?page_id=5718"},"modified":"2026-05-12T17:58:55","modified_gmt":"2026-05-12T09:58:55","slug":"management-team","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/bm\/management-team\/","title":{"rendered":"Jawatankuasa Pengurusan"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"5718\" class=\"elementor elementor-5718\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb3e07 e-flex e-con-boxed e-con e-parent\" data-id=\"6cb3e07\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a850ec0 e-flex e-con-boxed e-con e-child\" data-id=\"a850ec0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4c2b6 elementor-icon-list--layout-inline elementor-align-left elementor-widget__width-inherit elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7e4c2b6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Utama<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mengenai FMOS<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Jawatankuasa Pengurusan<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-834d959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"834d959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7a49f2c\" data-id=\"7a49f2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eac6905 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eac6905\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b7242b\" data-id=\"3b7242b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9cf0040 elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"9cf0040\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2475\"><a href=\"https:\/\/www.fmos.org.my\/bm\/who-we-are\/\" class=\"elementor-item\">Kenali Kami<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7837\"><a href=\"https:\/\/www.fmos.org.my\/bm\/board-of-directors\/\" class=\"elementor-item\">Lembaga Pengarah<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5807\"><a href=\"https:\/\/www.fmos.org.my\/bm\/management-team\/\" class=\"elementor-item\">Jawatankuasa Pengurusan<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2479\"><a href=\"https:\/\/www.fmos.org.my\/bm\/fmos-members\/\" class=\"elementor-item\">Ahli FMOS<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2477\"><a href=\"https:\/\/www.fmos.org.my\/bm\/careers\/\" class=\"elementor-item\">Kerjaya<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2478\"><a href=\"https:\/\/www.fmos.org.my\/bm\/contact-us\/\" class=\"elementor-item\">Hubungi Kami<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2475\"><a href=\"https:\/\/www.fmos.org.my\/bm\/who-we-are\/\" class=\"elementor-item\" tabindex=\"-1\">Kenali Kami<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7837\"><a href=\"https:\/\/www.fmos.org.my\/bm\/board-of-directors\/\" class=\"elementor-item\" tabindex=\"-1\">Lembaga Pengarah<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5807\"><a href=\"https:\/\/www.fmos.org.my\/bm\/management-team\/\" class=\"elementor-item\" tabindex=\"-1\">Jawatankuasa Pengurusan<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2479\"><a href=\"https:\/\/www.fmos.org.my\/bm\/fmos-members\/\" class=\"elementor-item\" tabindex=\"-1\">Ahli FMOS<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2477\"><a href=\"https:\/\/www.fmos.org.my\/bm\/careers\/\" class=\"elementor-item\" tabindex=\"-1\">Kerjaya<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2478\"><a href=\"https:\/\/www.fmos.org.my\/bm\/contact-us\/\" class=\"elementor-item\" tabindex=\"-1\">Hubungi Kami<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-34fab41\" data-id=\"34fab41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-983ccdc e-con-full e-grid e-con e-child\" data-id=\"983ccdc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-10fadf8 jkit-sticky-element--enabled e-con-full e-flex jkit-sticky-element-on--down jkit-sticky-position--sticky e-con e-child\" data-id=\"10fadf8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jkit_sticky_device&quot;:&quot;desktop&quot;,&quot;jkit_sticky_top_position&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]}}\">\n\t\t<div class=\"elementor-element elementor-element-5553260 e-con-full e-flex e-con e-child\" data-id=\"5553260\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b2e491e e-con-full e-flex e-con e-child\" data-id=\"b2e491e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a65fae8 e-con-full e-flex e-con e-child\" data-id=\"a65fae8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-458ca6a elementor-widget elementor-widget-elementskit-team\" data-id=\"458ca6a\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t\t\t\t\t\t\t\n\t\t<div class=\"profile-card elementor-animation- text-center ekit-team-style-default\">\n\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_458ca6a_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\t\n\t\t\t\t<div class=\"profile-header ekit-team-img ekit-img-overlay ekit-team-img-block\"  data-toggle=\"modal\" data-target=\"ekit_team_modal_#458ca6a_5718\" >\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png\" class=\"attachment-full size-full wp-image-9289\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t<\/div><!-- .profile-header END -->\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\n\n\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\n\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_458ca6a_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\tMarina Baharuddin\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<p class=\"profile-designation\">Ketua Pegawai Eksekutif<\/p>\n\t\t\t\t\t\t\t\t\t<\/div><!-- .profile-body END -->\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t<div class=\"zoom-anim-dialog mfp-hide elementskit-team-popup team-popup-id-458ca6a\" id=\"ekit_team_modal_458ca6a_5718\" tabindex=\"-1\" role=\"dialog\" aria-hidden=\"true\">\n\t\t\t\t<div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t<button type=\"button\" class=\"ekit-team-modal-close\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewbox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-img\">\n\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png\" class=\"attachment-full size-full wp-image-9289\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"ekit-team-modal-info has-img\">\n\t\t\t\t\t\t\t\t<h2 class=\"ekit-team-modal-title\">Marina Baharuddin<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"ekit-team-modal-position\">Ketua Pegawai Eksekutif<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-content\">\n\t\t\t\t\t\t\t\t\tCik Marina Baharuddin ialah Ketua Pegawai Eksekutif bagi Perkhidmatan Ombudsman Pasaran Kewangan (FMOS). Sebelum ini, beliau memegang jawatan sebagai Ombudsman di bawah sektor Perbankan dan Sistem Pembayaran dari Oktober 2016 hingga Disember 2019.\nDengan pengalaman lebih 20 tahun dalam bidang penyelesaian pertikaian, beliau mempunyai pemahaman yang mendalam dan praktikal mengenai perlindungan pengguna kewangan, khususnya dalam bidang perbankan dan perkhidmatan kewangan.\nBeliau memulakan kerjayanya dalam industri perbankan dan kemudian beralih ke bidang penyelesaian pertikaian bersama Biro Mediasi Perbankan (BMB) sebagai Penolong Mediator pada tahun 1998. Beliau meneruskan perkhidmatannya di Biro Mediasi Kewangan (FMB) dan dilantik sebagai Mediator pada tahun 2010.\nBeliau memiliki Ijazah Sarjana Muda Perniagaan dengan pengkhususan dalam Kewangan dari Edith Cowan University, Perth, Australia Barat serta Ijazah Sarjana Muda Undang-Undang (LLB. Hons) dari University of Hertfordshire, United Kingdom.\nCik Marina juga merupakan seorang Mediator bertauliah dan ahli Gabungan Institut Perkhidmatan Kewangan Australasia (FINSIA).\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41d0dd1 e-con-full e-flex e-con e-child\" data-id=\"41d0dd1\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-966b987 e-con-full e-flex e-con e-child\" data-id=\"966b987\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e516626 elementor-widget elementor-widget-elementskit-team\" data-id=\"e516626\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t\t\t\t\t\t\t\n\t\t<div class=\"profile-card elementor-animation- text-center ekit-team-style-default\">\n\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_e516626_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\t\n\t\t\t\t<div class=\"profile-header ekit-team-img ekit-img-overlay ekit-team-img-block\"  data-toggle=\"modal\" data-target=\"ekit_team_modal_#e516626_5718\" >\n\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO.png\" class=\"attachment-full size-full wp-image-9290\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t<\/div><!-- .profile-header END -->\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\n\n\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\n\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_e516626_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\tWong Su Kuin\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<p class=\"profile-designation\">Ketua Pegawai Operasi<\/p>\n\t\t\t\t\t\t\t\t\t<\/div><!-- .profile-body END -->\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t<div class=\"zoom-anim-dialog mfp-hide elementskit-team-popup team-popup-id-e516626\" id=\"ekit_team_modal_e516626_5718\" tabindex=\"-1\" role=\"dialog\" aria-hidden=\"true\">\n\t\t\t\t<div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t<button type=\"button\" class=\"ekit-team-modal-close\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewbox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-img\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO.png\" class=\"attachment-full size-full wp-image-9290\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Su-Kuin-COO-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"ekit-team-modal-info has-img\">\n\t\t\t\t\t\t\t\t<h2 class=\"ekit-team-modal-title\">Wong Su Kuin<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"ekit-team-modal-position\">Ketua Pegawai Operasi<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-content\">\n\t\t\t\t\t\t\t\t\tMs Wong Su Kuin memulakan kerjayanya sebagai pengamal undang-undang swasta selama 10 tahun sebelum menyertai industri perkhidmatan kewangan. Sepanjang tempoh perkhidmatannya dalam industri tersebut, beliau menguruskan perniagaan amanah dan agensi korporat, terutamanya dalam menyokong bon korporat, pembiayaan projek, pembiayaan bersindiket, pengaturan escrow dan tawaran awam permulaan (IPO).\nBeliau kemudiannya menyertai bahagian pematuhan jenayah kewangan yang menyokong perniagaan institusi korporat, pasaran dan perkhidmatan sekuriti. Ms Su Kuin telah berkhidmat lebih 10 tahun bekerja di Singapura sebelum kembali ke Malaysia pada tahun 2022 untuk menyertai Pusat Penyelesaian Pertikaian Industri Sekuriti (SIDREC) sebagai Ketua Operasi dari September 2022 hingga Jun 2023. Beliau kembali menyertai SIDREC pada Mei 2024 sebagai Pemangku Ketua Pegawai Eksekutif.\nMs Su Kuin memiliki Ijazah Sarjana Muda Undang-Undang dari University of London dan telah diterima masuk sebagai Peguambela dan Peguamcara Mahkamah Tinggi Malaya pada tahun 1996.\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ae893c e-con-full e-flex e-con e-child\" data-id=\"9ae893c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-363b5f9 e-con-full e-flex e-con e-child\" data-id=\"363b5f9\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f67c282 e-con-full e-grid e-con e-child\" data-id=\"f67c282\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0f880b2 jkit-sticky-element--enabled e-con-full e-flex jkit-sticky-element-on--down jkit-sticky-position--sticky e-con e-child\" data-id=\"0f880b2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jkit_sticky_device&quot;:&quot;desktop&quot;,&quot;jkit_sticky_top_position&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]}}\">\n\t\t<div class=\"elementor-element elementor-element-fe31000 e-con-full e-flex e-con e-child\" data-id=\"fe31000\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-def4b65 e-con-full e-flex e-con e-child\" data-id=\"def4b65\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fcc9ebb e-con-full e-flex e-con e-child\" data-id=\"fcc9ebb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1bd9e9 elementor-widget elementor-widget-elementskit-team\" data-id=\"b1bd9e9\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t\t\t\t\t\t\t\n\t\t<div class=\"profile-card elementor-animation- text-center ekit-team-style-default\">\n\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_b1bd9e9_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\t\n\t\t\t\t<div class=\"profile-header ekit-team-img ekit-img-overlay ekit-team-img-block\"  data-toggle=\"modal\" data-target=\"ekit_team_modal_#b1bd9e9_5718\" >\n\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman.png\" class=\"attachment-full size-full wp-image-9291\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t<\/div><!-- .profile-header END -->\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\n\n\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\n\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_b1bd9e9_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\tIntan Khadiza\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<p class=\"profile-designation\">Ombudsman (Perbankan termasuk Perbankan Islam dan Sistem Pembayaran)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div><!-- .profile-body END -->\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t<div class=\"zoom-anim-dialog mfp-hide elementskit-team-popup team-popup-id-b1bd9e9\" id=\"ekit_team_modal_b1bd9e9_5718\" tabindex=\"-1\" role=\"dialog\" aria-hidden=\"true\">\n\t\t\t\t<div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t<button type=\"button\" class=\"ekit-team-modal-close\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewbox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-img\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman.png\" class=\"attachment-full size-full wp-image-9291\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Intan-Ombudsman-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"ekit-team-modal-info has-img\">\n\t\t\t\t\t\t\t\t<h2 class=\"ekit-team-modal-title\">Intan Khadiza<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"ekit-team-modal-position\">Ombudsman (Perbankan termasuk Perbankan Islam dan Sistem Pembayaran)<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-content\">\n\t\t\t\t\t\t\t\t\tPuan Intan Khadiza telah berkhidmat bersama FMOS dan skim pendahulunya sejak tahun 2010. Sepanjang tempoh tersebut, beliau telah memainkan peranan penting dalam pengurusan kes sebagai Penolong Mediator\/Pengurus Kes dan kemudiannya sebagai Pengurus Kanan Kes.\nKerjaya profesional Intan bermula dalam bidang guaman swasta di Kuala Lumpur sebagai peguam yang mengkhusus dalam hal ehwal cap dagangan dan pemalsuan. Beliau kemudiannya menyertai industri perkhidmatan kewangan dalam pelbagai peranan, termasuk dalam industri insurans hayat dan am.\nPuan Intan mempunyai pengalaman luas dalam menyiasat pelbagai jenis pertikaian insurans hayat dan perubatan yang kompleks. Beliau memiliki Ijazah Sarjana Muda Undang-Undang dari Universiti Islam Antarabangsa Malaysia dan telah diterima masuk ke Badan Peguam Malaysia pada tahun 1999.\nBeliau juga merupakan graduan Institut Insurans Malaysia dengan Diploma dalam Insurans. Intan telah dilantik sebagai Ombudsman pada Januari 2020.\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74b9410 e-con-full e-flex e-con e-child\" data-id=\"74b9410\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b49540 e-con-full e-flex e-con e-child\" data-id=\"7b49540\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5126ffd elementor-widget elementor-widget-elementskit-team\" data-id=\"5126ffd\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t\t\t\t\t\t\t\n\t\t<div class=\"profile-card elementor-animation- text-center ekit-team-style-default\">\n\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_5126ffd_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\t\n\t\t\t\t<div class=\"profile-header ekit-team-img ekit-img-overlay ekit-team-img-block\"  data-toggle=\"modal\" data-target=\"ekit_team_modal_#5126ffd_5718\" >\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman.png\" class=\"attachment-full size-full wp-image-9292\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t<\/div><!-- .profile-header END -->\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\n\n\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\n\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_5126ffd_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\tWinnie Chan\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<p class=\"profile-designation\">Ombudsman (Pasaran Modal dan Perbankan termasuk Perbankan Islam dan Sistem Pembayaran)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div><!-- .profile-body END -->\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t<div class=\"zoom-anim-dialog mfp-hide elementskit-team-popup team-popup-id-5126ffd\" id=\"ekit_team_modal_5126ffd_5718\" tabindex=\"-1\" role=\"dialog\" aria-hidden=\"true\">\n\t\t\t\t<div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t<button type=\"button\" class=\"ekit-team-modal-close\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewbox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-img\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman.png\" class=\"attachment-full size-full wp-image-9292\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Winnie-Chan-Ombudsman-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"ekit-team-modal-info has-img\">\n\t\t\t\t\t\t\t\t<h2 class=\"ekit-team-modal-title\">Winnie Chan<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"ekit-team-modal-position\">Ombudsman (Pasaran Modal dan Perbankan termasuk Perbankan Islam dan Sistem Pembayaran)<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-content\">\n\t\t\t\t\t\t\t\t\tMs. Winnie Chan telah dilantik sebagai Ombudsman pada Oktober 2024. Beliau memiliki Ijazah Sarjana Muda Undang-Undang dari University of London dan telah diterima masuk untuk mengamalkan guaman di Mahkamah Tinggi Malaya serta Mahkamah Tinggi Sabah dan Sarawak. Dengan pengalaman selama dua dekad dalam bidang guaman sivil dan jenayah, Ms. Winnie telah membina kepakaran mendalam dalam bidang seperti pinjaman bercagar dan tidak bercagar, pemulihan hutang strategik, insolvensi, serta litigasi perbankan komersial yang kompleks.\nSebelum memegang jawatan sebagai Ombudsman, beliau mengetuai Unit Penyelesaian Pertikaian di Pusat Penyelesaian Pertikaian Industri Sekuriti (SIDREC), di bawah seliaan Suruhanjaya Sekuriti Malaysia. Dalam peranan tersebut sebagai pengawal selia, beliau memainkan peranan penting dalam menyelesaikan pertikaian melibatkan perkhidmatan pasaran modal dan produk kewangan, serta menetapkan penanda aras baharu dalam penyelesaian pertikaian industri.\nMs. Winnie juga merupakan seorang Mediator bertauliah yang diiktiraf oleh Pusat Mediasi Antarabangsa Majlis Peguam Malaysia.\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ce8de3 e-con-full e-flex e-con e-child\" data-id=\"1ce8de3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-17f2362 e-con-full e-flex e-con e-child\" data-id=\"17f2362\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f87665 elementor-widget elementor-widget-elementskit-team\" data-id=\"9f87665\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t\t\t\t\t\t\t\n\t\t<div class=\"profile-card elementor-animation- text-center ekit-team-style-default\">\n\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_9f87665_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\t\n\t\t\t\t<div class=\"profile-header ekit-team-img ekit-img-overlay ekit-team-img-block\"  data-toggle=\"modal\" data-target=\"ekit_team_modal_#9f87665_5718\" >\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman.png\" class=\"attachment-full size-full wp-image-9293\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t<\/div><!-- .profile-header END -->\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\n\n\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\n\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"profile\" href=\"javascript:void(0)\" data-mfp-src=\"#ekit_team_modal_9f87665_5718\" class=\"ekit-team-popup\">\n\t\t\t\t\t\tMalini Silvaraju\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<p class=\"profile-designation\">Ombudsman (Insurans dan Takaful)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div><!-- .profile-body END -->\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t<div class=\"zoom-anim-dialog mfp-hide elementskit-team-popup team-popup-id-9f87665\" id=\"ekit_team_modal_9f87665_5718\" tabindex=\"-1\" role=\"dialog\" aria-hidden=\"true\">\n\t\t\t\t<div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t<button type=\"button\" class=\"ekit-team-modal-close\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewbox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-img\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"600\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman.png\" class=\"attachment-full size-full wp-image-9293\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman.png 450w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman-225x300.png 225w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Malini-Ombudsman-9x12.png 9w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"ekit-team-modal-info has-img\">\n\t\t\t\t\t\t\t\t<h2 class=\"ekit-team-modal-title\">Malini Silvaraju<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"ekit-team-modal-position\">Ombudsman (Insurans dan Takaful)<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-team-modal-content\">\n\t\t\t\t\t\t\t\t\tMs. Malini Silvaraju was appointed as an Ombudsman on 1 October 2025. She has been with FMOS and its predecessor schemes since August 2013, beginning her career as an Assistant Mediator\/Case Manager with the Life and Medical team before being promoted to Senior Case Manager in the Insurance Division.\n\nWith over 16 years of experience, she brings extensive expertise in claims resolution across both the life and general insurance sectors. She has managed a wide range of complex cases, including motor and non-motor insurance disputes, and has developed in-depth knowledge in addressing mis-selling issues, particularly in bancassurance.\n\nShe holds a Bachelor of Science Biotechnology from the University of Malaya and an Executive Diploma in Insurance from the Asian Institute of Insurance(AAii).She is also an Accredited Mediator with the Bar Council\u2019s Malaysian International Mediation Centre (MIMC).\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Home About FMOS Management Team Marina Baharuddin Chief Executive Officer Marina Baharuddin Chief Executive Officer Ms Marina Baharuddin is the CEO of the Financial Markets Ombudsman Service (FMOS). Prior to this, she held the position of an Ombudsman under Banking and Payment Systems from October 2016 until December 2019.\u00a0 With over 20 years of experience [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5718","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FMOS Management Team \u2013 Meet Our Experts | FMOS Malaysia<\/title>\n<meta name=\"description\" content=\"Meet the dedicated management team leading FMOS Malaysia.Learn about the people shaping our mission with integrity and expertise.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/management-team\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FMOS Management Team \u2013 Meet Our Experts | FMOS Malaysia\" \/>\n<meta property=\"og:description\" content=\"Meet the dedicated management team leading FMOS Malaysia.Learn about the people shaping our mission with integrity and expertise.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fmos.org.my\/bm\/management-team\/\" \/>\n<meta property=\"og:site_name\" content=\"FMOS\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-12T09:58:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fmos.org.my\/management-team\/\",\"url\":\"https:\/\/www.fmos.org.my\/management-team\/\",\"name\":\"FMOS Management Team \u2013 Meet Our Experts | FMOS Malaysia\",\"isPartOf\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fmos.org.my\/management-team\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fmos.org.my\/management-team\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png\",\"datePublished\":\"2025-03-28T03:23:40+00:00\",\"dateModified\":\"2026-05-12T09:58:55+00:00\",\"description\":\"Meet the dedicated management team leading FMOS Malaysia.Learn about the people shaping our mission with integrity and expertise.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fmos.org.my\/management-team\/#breadcrumb\"},\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fmos.org.my\/management-team\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/www.fmos.org.my\/management-team\/#primaryimage\",\"url\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png\",\"contentUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fmos.org.my\/management-team\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fmos.org.my\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Management Team\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#website\",\"url\":\"https:\/\/www.fmos.org.my\/en\/\",\"name\":\"FMOS\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fmos.org.my\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ms-MY\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#organization\",\"name\":\"FMOS\",\"alternateName\":\"Financial Markets Ombudsman Services\",\"url\":\"https:\/\/www.fmos.org.my\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png\",\"contentUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png\",\"width\":262,\"height\":50,\"caption\":\"FMOS\"},\"image\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FMOS Management Team \u2013 Meet Our Experts | FMOS Malaysia","description":"Meet the dedicated management team leading FMOS Malaysia.Learn about the people shaping our mission with integrity and expertise.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fmos.org.my\/bm\/management-team\/","og_locale":"ms_MY","og_type":"article","og_title":"FMOS Management Team \u2013 Meet Our Experts | FMOS Malaysia","og_description":"Meet the dedicated management team leading FMOS Malaysia.Learn about the people shaping our mission with integrity and expertise.","og_url":"https:\/\/www.fmos.org.my\/bm\/management-team\/","og_site_name":"FMOS","article_modified_time":"2026-05-12T09:58:55+00:00","og_image":[{"width":450,"height":600,"url":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fmos.org.my\/management-team\/","url":"https:\/\/www.fmos.org.my\/management-team\/","name":"FMOS Management Team \u2013 Meet Our Experts | FMOS Malaysia","isPartOf":{"@id":"https:\/\/www.fmos.org.my\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fmos.org.my\/management-team\/#primaryimage"},"image":{"@id":"https:\/\/www.fmos.org.my\/management-team\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png","datePublished":"2025-03-28T03:23:40+00:00","dateModified":"2026-05-12T09:58:55+00:00","description":"Meet the dedicated management team leading FMOS Malaysia.Learn about the people shaping our mission with integrity and expertise.","breadcrumb":{"@id":"https:\/\/www.fmos.org.my\/management-team\/#breadcrumb"},"inLanguage":"ms-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fmos.org.my\/management-team\/"]}]},{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/www.fmos.org.my\/management-team\/#primaryimage","url":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png","contentUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/09\/Ms-Marina-CEO.png"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fmos.org.my\/management-team\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fmos.org.my\/en\/"},{"@type":"ListItem","position":2,"name":"Management Team"}]},{"@type":"WebSite","@id":"https:\/\/www.fmos.org.my\/en\/#website","url":"https:\/\/www.fmos.org.my\/en\/","name":"FMOS","description":"","publisher":{"@id":"https:\/\/www.fmos.org.my\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fmos.org.my\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ms-MY"},{"@type":"Organization","@id":"https:\/\/www.fmos.org.my\/en\/#organization","name":"FMOS","alternateName":"Financial Markets Ombudsman Services","url":"https:\/\/www.fmos.org.my\/en\/","logo":{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png","contentUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png","width":262,"height":50,"caption":"FMOS"},"image":{"@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/pages\/5718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/comments?post=5718"}],"version-history":[{"count":136,"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/pages\/5718\/revisions"}],"predecessor-version":[{"id":10086,"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/pages\/5718\/revisions\/10086"}],"wp:attachment":[{"href":"https:\/\/www.fmos.org.my\/bm\/wp-json\/wp\/v2\/media?parent=5718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}