Board of Directors

John Roger Winfield | Chairman

John Roger Winfield
Al Rajhi Bank Malaysia


John Roger Winfield was appointed as the Independent Non-Executive Director of the Board of Al Rajhi Bank Malaysia on 15 January 2021 and subsequently appointed as Chairman effective 17 March 2021.  He is of British nationality.

Roger’s banking career has spanned a period of over forty eight years. After an initial induction period in London with Lloyds Banking Group, he was asked by Lloyds to take up a role in South Korea in 1984 and subsequently in Japan, Taiwan and Singapore. In 1992 he joined Deutsche Bank in Singapore and then from 1999 to 2004, he was appointed Chief Executive Officer for Deutsche Bank in Mauritius, which he established from scratch, including obtaining separate banking and trust company licences. After joining HSBC at start of 2005, he moved to the UAE in 2006 and then from March  2015 until his retirement early in 2021, Roger was the Chief Executive Officer of HSBC Kuwait.

In addition to his two Country CEO roles, Roger has worked in many areas of banking during his career, including senior positions in commercial banking, trade finance, project finance, financial institutions, wholesale market risk, and private banking, where he was the Regional Head for the Southern Gulf region for HSBC.

Some of his accreditations include President, Association of Offshore Banks, Mauritius (2000 and 2001), Appointed by Minister of Finance, Republic of Mauritius to be a Non-Executive Director, Financial Services Promotion Agency, Mauritius (December 2001 to December 2004), Elected as Charter Member of TiE Dubai (The Indus Entrepreneurs) in June 2008. Appointed as HSBC’s representative to the British Business Group, Northern Emirates, UAE in March 2014. Deputy Chairman and Treasurer, Board of Governors, The English School, Kuwait from March 2015 until January 2021.


Mr. Steve Paolo Bertamini
Non-Independent Non-Executive Director
Al Rajhi Bank Malaysia


Stefano P. Bertamini (Steve) joined Al Rajhi Bank in Saudi Arabia from May 2015 to December 2019 as Chief Executive Officer. During his tenure, the banks market capitalization in Saudi Arabia doubled to over USD 45 billion and profits grew 65% to 3.1 billion. In 2020 Steve was appointed as an Advisor to the Board of Al Rajhi Bank Saudi Arabia. He was appointed Non-Independent Executive Director to Al Rajhi Bank Malaysia Board in 25 February 2016 and has recently been re-designated Non-Independent Non-Executive Director.

Before his appointment at Al Rajhi Bank as CEO, Steve was the Group Executive Director and CEO for Global Consumer Banking at Standard Chartered and a member of the Board of Standard Chartered PLC between 2008 and 2014. He was responsible for Retail Banking, Wealth Management, SME and Private Bank with operations across 44 countries.

Steve was the executive global sponsor for employee volunteering for Standard Chartered from 2010-2012 and from 2013 he became the executive sponsor for driving diversity and inclusion for 89,000 staff and 127 nationalities.

Previously, Steve spent 22 years with GE, most recently as Chairman and CEO of GE North East Asia and became a GE Officer in 2006. He was also responsible for GE's acquisition and merger business in the Asia-Pacific region from 2004 and President of GE Capital Asia from January 2001-2008.

Previously he also served on the Board of several publicly listed companies including the United Group and Tesserent in Australia and Standard Chartered in the UK.

Born in Munich, Germany and grew up in Europe, North Africa and North and South America, Steve graduated from University of Texas in Austin with a Bachelor's degree of Business in Finance and Management in 1985 and earned his MBA at the University of North Texas in 1991.


Mr. Ow Chee Hong
Independent Non-Executive Director
Al Rajhi Bank Malaysia

Ow Chee Hong was appointed to the Board as of 6 October 2015.

Born in 1966 in Malaysia, Chee Hong holds a Bachelor of Economics (Accounting and Computer Science) from Monash University, Melbourne, Australia (1989). Upon graduation he started his career in Kassim Chan (now Deloitte Malaysia) in 1989 as an auditor, specialising in financial and IT audits of banks and insurance organisations. In 1993, Chee Hong left Deloitte to pursue a career in Information Technology, focused mainly in Enterprise Resource Planning (ERP) solutions. He spent 4 years with Oracle Corp. Malaysia (1996 to 2000) as a major accounts business manager, where he was responsible for managing large conglomerates operating in the financial industry, telecommunications, healthcare and education industries.

In 2000, Chee Hong re-joined Deloitte Malaysia to head their Technology Consulting practice, and was admitted as a Partner in 2004. During his 12 years tenure with Deloitte Consulting Malaysia, he built a strong but niche consulting practice focused on IT Advisory engagements such as strategic IT planning, programme management of large IT Transformation initiatives, business process blueprinting, performance management framework, IT due diligence and business requirements mapping. His clients were primarily in the financial industry ranging from retail banks, insurance companies to unit trusts and assets management entities. He also has similar experience in public sector, energy and manufacturing industries.

In February 2012, Chee Hong left Deloitte to start a boutique consulting firm that provides business and technology advisory. Being a Fellow member of CPA Australia, he is also well versed with financial management, risk management, valuations and financial due diligence.



Mr. Zulkiflee Hashim
Independent Non-Executive Director
Al Rajhi Bank Malaysia


Encik Zulkiflee Hashim was appointed as an Independent Non-Executive Director of Al Rajhi Bank on 15 January 2021.

Encik Zulkiflee has over 35 years’ experience in the banking industry. He started his career with Citibank Malaysia in 1979 and left his position as Vice President in November 1991. From December 1991 to November 1997, Encik Zulkiflee was with Deutsche Bank Malaysia. He was the Deputy Managing Director responsible for Corporate Banking, International Trade Finance, Operations and Transaction Banking Services. From July 1998 to October 2011, Encik Zulkiflee was the Executive Director of Hong Leong Bank Berhad (‘HLB”). Prior to his retirement in 2015, he was HLB’s Chief Operating Officer, Group Strategic Support from November 2011 to January 2015. During the tenure with HLB, he was given the responsibility to oversee various areas such as Branch and Banking Operations, Integrated Risk Management, Credit Management, Information Technology, Islamic Banking, Wholesale Operations, Retail Operations, Legal and Corporate Communications & Public Relations.

Encik Zulkiflee is presently an Independent Non-Executive Director of Small Medium Enterprise Development Bank Malaysia Berhad (SME Bank), Hong Leong MSIG Takaful Berhad and GuocoLand (Malaysia) Berhad. He was previously a member of Hong Leong Bank Berhad Board of Directors.


Mr. Abdulrahman A. Al Fadda
Non-Independent Executive Director
Al Rajhi Bank Malaysia


Abdulrahman is presently the Chief Financial Officer of Al Rajhi Bank, Riyadh and was recently appointed Non-Independent Executive Director of Al Rajhi Bank Malaysia on 15 January 2021.

He joined the Bank in September 2015 as General Manager of Group Treasury and a member of the High Management Committee. In September 2017, he was appointed and continues to be a member of the Board Investment Committee of Al Rajhi Company for Cooperative Insurance.

Abdulrahman holds a Bachelor of Science in Electrical Engineering from King Fahd University of Petroleum and Mineral, Dhahran. He started his career in Samba Financial Group, Riyadh in 1997 where he spent 14 years in various desks within its Treasury Division, which later saw his posting to its office in the UK. He played a key role in the subsequent centralisation of Samba’s London Treasury activities in Riyadh.  In Sept 2011, he left his position as Head of Trading to join National Commercial Bank, Riyadh as Deputy Treasurer. In June 2012, he joined Saudi Investment Bank, Riyadh where he spent 3 years as Treasurer.

Abdulrahman is also the Chairman of Al Rajhi Financial Markets Board and sits on various other Boards namely Emkan Finance Company, Al Rajhi Development Company and Al Rajhi Company for Management Services.

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