Mr. Rafe Haneef is the CEO of Group Transaction Banking overseeing transaction banking business which consist of four main product pillars namely Trade Finance, Cash Management, Securities Services and Financial Institution serving the Group’s Non-Retail customers across CIMB franchise in ASEAN. Transaction Banking drives annuity business and relationship stickiness; thus, pivotal to the growth of CIMB Group. Mr. Haneef, as the CEO of CIMB Foundation, spearheads CSR in community development, sports and education initiatives with diversity and inclusion as the guiding principles. Mr. Haneef holds a Master of Laws (LL.M) from Harvard Law School and Bachelor of Laws (LL.B) from International Islamic University Malaysia. He was also qualified for the New York State Bar in 1997 and was admitted to the Malaysian Bar in 1995. Mr. Haneef has 20 years of experience covering a range of businesses and functional roles gained from three global banks, an international asset management company and a legal firm, at various financial centers including London, Dubai and Kuala Lumpur. Previously, he worked as Group Chief Sustainability Officer and was responsible for driving sustainable financing and social responsibility initiatives across the CIMB Group, and as the CEO of CIMB Islamic Bank Berhad in charge of the Group’s Islamic banking and finance franchise. CIMB Islamic operates as a parallel franchise to the Group’s conventional operations and covers Islamic wholesale banking, Islamic consumer banking, Islamic commercial banking and Islamic asset management and investments. Mr. Haneef’s role has been instrumental in the inclusion of CIMB Islamic in the Value-Based Intermediation (VBI) Community of Practitioners, working to develop VBI together with the central bank to contextualize and drive sustainability with Islamic finance institutions in Malaysia. He also played an instrumental role in CIMB Group, being a member of RFI as well as a founding member to the UNEP FI Principles for Responsible Banking. Mr. Haneef has served as the CEO (Malaysia) and Managing Director of Global Markets, ASP, HSBC Amanah in 2010; Regional Head for Islamic banking, Asia Pacific, Citigroup Asia in 2006; and the Global Head of Islamic Finance business at ABN AMRO Dubai in 2004 covering both consumer and corporate businesses. In 1999, he joined HSBC Investment Bank plc, London, and thereafter HSBC Financial Services Middle East, Dubai where he set up the global sukuk business in 2001.