{"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\/en\/management-team\/","title":{"rendered":"Management Team"},"content":{"rendered":"\t\t<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\">Home<\/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\">About 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\">Management Team<\/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\/en\/who-we-are\/\" class=\"elementor-item\">Who We Are<\/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\/en\/board-of-directors\/\" class=\"elementor-item\">Board of Directors<\/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\/en\/management-team\/\" class=\"elementor-item\">Management Team<\/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\/en\/fmos-members\/\" class=\"elementor-item\">FMOS Members<\/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\/en\/careers\/\" class=\"elementor-item\">Careers<\/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\/en\/contact-us\/\" class=\"elementor-item\">Contact Us<\/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\/en\/who-we-are\/\" class=\"elementor-item\" tabindex=\"-1\">Who We Are<\/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\/en\/board-of-directors\/\" class=\"elementor-item\" tabindex=\"-1\">Board of Directors<\/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\/en\/management-team\/\" class=\"elementor-item\" tabindex=\"-1\">Management Team<\/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\/en\/fmos-members\/\" class=\"elementor-item\" tabindex=\"-1\">FMOS Members<\/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\/en\/careers\/\" class=\"elementor-item\" tabindex=\"-1\">Careers<\/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\/en\/contact-us\/\" class=\"elementor-item\" tabindex=\"-1\">Contact Us<\/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\">Chief Executive Officer<\/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\">Chief Executive Officer<\/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 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 in dispute resolution, she brings in-depth and practical understanding of financial consumer protection especially in areas of banking and financial services.\n\nShe 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.\n\nShe 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).\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\">Chief Operating Officer<\/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\">Chief Operating Officer<\/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\tWong 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.\n\nShe 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.\n\nSu 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.\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 (Banking including Islamic Banking and Payment Systems)<\/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 (Banking including Islamic Banking and Payment Systems)<\/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\tIntan 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.\n\nIntan'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.\n\nIntan 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.\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 (Capital Markets and Banking including Islamic Banking and Payment Systems)<\/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 (Capital Markets and Banking including Islamic Banking and Payment Systems)<\/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 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.\n\nWith 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.\n\nBefore 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.\n\nMs. Winnie is also an accredited Mediator with the Bar Council\u2019s Malaysian International Mediation Centre.\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 (Insurance and 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 (Insurance and 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>\n\t\t","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>\n","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\" 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