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. With over 20 years of experience in dispute resolution, she brings in-depth and practical understanding of financial consumer protection especially in areas of banking and financial services.
She started her career in the banking industry and progressed into dispute resolution with the Banking Mediation Bureau (BMB) as Assistant Mediator in 1998. She continued her service at the Financial Mediation Bureau (FMB) and assumed the post of Mediator in 2010.
She holds a Bachelor of Business Degree with a Major in Finance from Edith Cowan University, Perth, Western Australia and Bachelor of Laws (LLB. Hons) from the University of Hertfordshire, United Kingdom. She is an accredited Mediator and an Affiliate member of the Financial Services Institute of Australasia (FINSIA).
Wong Su Kuin commenced her career as a private law practitioner for 10 years prior to joining the financial services industry. During her tenure with the financial services industry, she managed the corporate trust and agency business, primarily supporting corporate bonds, project financing, syndicated financing, escrow arrangement and initial public offerings. Thereafter, she joined the financial crime compliance function supporting the corporate institutional, markets and securities services businesses.
She has spent more than 10 years working in Singapore prior to relocating back to Malaysia in 2022 to join Securities Industry Dispute Resolution Center (SIDREC) as the Head of Operations from September 2022 to June 2023. She rejoined SIDREC in May 2024 as the Interim Chief Executive Officer.
Su Kuin holds a Bachelor of Laws degree from University of London and was admitted as an Advocate and Solicitor of the High Court of Malaya in 1996.
Ombudsman (Banking including Islamic Banking and Payment Systems)
Intan Khadiza
Ombudsman (Banking including Islamic Banking and Payment Systems)
Intan Khadiza has been with FMOS and its predecessor scheme since 2010. During this time, she has held active roles in case management as Assistant Mediator/Case Manager and subsequently as Senior Case Manager.
Intan's professional career developed from her initial years in private legal practice in Kuala Lumpur as a practising lawyer which specialises in trademark and anti-counterfeit matters. This was followed by her employment in a variety of roles in the financial services industry, which includes life and general insurance industry. Intan has significant experience investigating all different types of complex life and medical insurance disputes.
Intan holds a Bachelor of Laws from International Islamic University Malaysia and was called to the Malaysian Bar in 1999. She is also a graduate from Malaysian Insurance Institute with a Diploma in Insurance. She has been appointed as the Ombudsman in January 2020.
Ombudsman (Capital Markets and Banking including Islamic Banking and Payment Systems)
Winnie Chan
Ombudsman (Capital Markets and Banking including Islamic Banking and Payment Systems)
Ms. Winnie Chan was appointed Ombudsman in October 2024. She holds a Bachelor of Laws from the University of London and is admitted to practice before both the High Court of Malaya and the High Court of Sabah and Sarawak.
With two decades of distinguished practice in both civil and criminal law, Ms. Winnie has cultivated deep expertise in areas such as secured and unsecured lending, strategic debt recovery, insolvency, and complex commercial banking litigation.
Before assuming the role of Ombudsman, Ms. Winnie led the Dispute Resolution Unit at the Securities Industry Dispute Resolution Center (SIDREC), under the purview of the Securities Commission Malaysia. In this capacity as a regulator, she was instrumental in resolving disputes involving capital markets services and financial products, setting new standards for dispute resolution in the industry.
Ms. Winnie is also an accredited Mediator with the Bar Council’s Malaysian International Mediation Centre.
