– Could you briefly introduce yourself and share your journey in Islamic finance and Shariah governance?
I began my career in the financial sector in 2002. Coming from a background in Organizational Communication, I had to quickly adapt and acquire extensive knowledge in banking and finance. Although the learning curve was steep and at times challenging, it proved to be a rewarding journey as I gradually found my place in the industry.
In 2006, I came across an advertisement by Bank Negara Malaysia regarding the establishment of a new Islamic Finance University, offering the Chartered Professional in Islamic Finance (CPIF) programme. Recognising this as a pivotal opportunity to become a qualified Islamic finance practitioner, I enrolled in the programme and, by the grace of Allah, successfully completed my studies in 2010.
Upon graduation, I transitioned into the Islamic banking sector, marking the beginning of my journey in the Shariah fraternity. My career path took me through roles in the Shariah Secretariat and subsequently Shariah Review. Notably, this was the same year Bank Negara Malaysia introduced the Shariah Governance Framework (SGF). The framework became a cornerstone for Islamic financial institutions in Malaysia, requiring rigorous scrutiny and full compliance. Being part of this transformative period allowed me to contribute directly to strengthening Shariah governance practices within the industry.
Time has flown quickly, and as I mark my 16th year in Islamic finance, I remain deeply committed to contributing further to the growth and integrity of the industry. Over these years, I have witnessed its remarkable evolution, from niche beginnings to becoming a vital pillar of global ethical finance. This journey has strengthened my resolve to continue advancing innovation, governance, and Shariah authenticity, ensuring that Islamic finance not only thrives in the present but also secures its relevance for future generations.
– What inspired you to specialize in Shariah governance and compliance?
Earning my Chartered Professional in Islamic Finance (CPIF) qualification was a turning point that ignited my aspiration to pursue further studies at the doctoral level. This decision was deeply inspired by the cherished dream of my late mother, who always encouraged me to seek knowledge to its highest level. In honor of her vision, I embarked on a PhD in Islamic Banking and Finance, with a specialization in Shariah Governance.
This academic journey is more than a professional pursuit; it is a personal dedication and jariah to both my late parents. By advancing expertise in Shariah governance and compliance, I aim to contribute meaningfully to the integrity and sustainability of Islamic Finance, while fulfilling the legacy of continuous learning they instilled in me.
– How do you see the evolving role of Shariah governance in today’s global Islamic finance industry?
Shariah governance has rapidly evolved from a domestic compliance framework into a global benchmark for integrity and innovation in Islamic finance. Malaysia has set the standard, and I am privileged to be part of this meaningful journey. In my current capacity as Head of Shariah, I witness firsthand how governance is no longer confined to compliance. It has become a strategic enabler that drives product innovation, strengthening investor confidence, and positioning Islamic finance as a credible alternative in diverse markets.
This global exposure has shown me how Shariah governance resonates even in minority‑Muslim jurisdictions, where ethical and transparent financial practices are increasingly valued. My role allows me to bridge regulatory expectations with Shariah principles, ensuring that governance frameworks remain both robust and adaptable to international dynamics.
Ultimately, Shariah governance today is not just about safeguarding the sanctity of faith‑based finance. It is about empowering Islamic finance to thrive on the world stage, with leadership roles and Shariah functions—including advisory, research, review, risk management, and audit—ensuring that integrity and innovation move hand in hand.
– What are the key challenges in maintaining Shariah compliance across multiple jurisdictions?
One of the foremost challenges is standardization. Establishing a single framework that fits all jurisdictions is not possible due to the inherent flexibility of fiqh mu’amalat (Islamic jurisprudence on commercial transactions). This flexibility allows for diverse scholarly interpretations, which often lead to varying opinions and justifications that may contradict one another. Another significant challenge lies in operational harmonization.
Aligning product structures, contracts, and processes across jurisdictions while preserving Shariah integrity is complex, particularly when legal systems, regulatory environments, and market practices differ. Institutions must balance consistency in Shariah standards with local requirements, which often demands significant customization and careful oversight.
– In your opinion, what trends will shape the future of the global Takaful industry?
The future of the global Takaful industry will be shaped by digital transformation, ethical finance appeal, and regulatory refinement. Digital platforms and insurtech will modernize traditional mu’amalat practices, widening access and enhancing efficiency. At the same time, Takaful’s values of fairness, transparency, and risk‑sharing will echo beyond Muslim markets, attracting diverse participants aligned with the global ethical finance movement. Its emphasis on shared responsibility and ethical conduct provides a credible alternative to conventional insurance, especially in a world increasingly concerned with sustainability, social impact, and responsible investment.
Finally, while diverse regulatory frameworks remain a challenge today, ongoing governance refinement and harmonization efforts are expected to transform this into an opportunity, ensuring that Takaful becomes more robust, credible, and internationally relevant, positioning it as a trusted alternative to conventional insurance worldwide.
– How can innovation and digital transformation strengthen Shariah-compliant financial services?
Innovation and digital transformation can strengthen Shariah‑compliant financial services by enhancing efficiency while maintaining strict Shariah oversight. Technology streamlines operations and saves valuable time, but it never compromises the integrity of Shariah validation, which remains central to every process. At the same time, innovation gives Islamic financial institutions a modern and competitive outlook, enabling them to stand alongside conventional players while showcasing the unique value proposition of Shariah‑compliant finance.
– What advice would you give to women aspiring to build a successful career in Islamic finance?
My advice to women aspiring to build a successful career in Islamic finance is to equip themselves with diverse knowledge and practical skills that can add real value to their institutions. Confidence is essential, but it must always be anchored in ethics guided by Shariah, as this integrity earns respect from colleagues and peers. By combining competence with principled leadership, women can thrive and make meaningful contributions to the growth of Islamic finance.
– What message would you like to share with the global Islamic finance community through AlHuda Today?
Our presence in this industry is not by coincidence. It is an invaluable gift that must be embraced with gratitude and fulfilled with full accountability. The journey of Islamic finance is significant for success in both worlds, and we must always strive to give our best for this industry. In doing so, we showcase the beauty of the deen; a beauty that the entire world can witness and appreciate.