Razak is responsible for the overall management and facilitation of the group and team of risk advisors and consultants. He attended Institut Teknologi MARA (ITM), Malaysia and holds a C.I.I. Cert. (UK) and IRM Cert. (UK).

He has 34 years working experience in risk management, insurance and the financial services sector. From 2012 until end of 2013, Razak served as the Principal Officer of Virginia Surety Company, Labuan (The Warranty Group, an extended warranty solutions provider). Between 2008 to end 2011, he held several key positions simultaneously - Executive Director at GroupMed Consultants Limited, Risk Manager of Oger Abu Dhabi and General Manager of SIB Consultants leading, developing & implementing risk management and insurance initiatives for all key companies of the GroupMed, Hariri and Oger Groups in the UAE, Lebanon, Kingdom of Saudi Arabia and Turkey.

He was Chief Executive Officer at Marsh Insurance Broker and was with the Marsh & McLennan group for 21 years, including working assignments in London. His business experience transcends a cross section of industry from financial services, mega infrastructure projects, ports, energy, manufacturing, power & utilities, and telecommunications.

email him: [email protected]



Dato’ Yusli is a member of the Institute of Chartered Accountants in England and Wales, MIA, the Malaysian Institute of Certified Public Accountants as well as an Honorary Member of the Institute of Internal Auditors, and graduated with a Bachelor of Economics from the University of Essex. He worked in the U.K. for many years at Peat Marwick Mitchell & Co. in London, and upon returning to Malaysia, worked in key positions for several public listed and private companies, providing him with experience in property and infrastructure development, telecommunications, engineering and investment banking.
From 2004 to 2011, he served as CEO and Executive Director of Bursa Malaysia Berhad, where he led the listing of Bursa in 2005 as well as realizing several International partnerships with Chicago mercantile Exchange and FTSE.
Currently, he serves as independent non-executive directors of YTL Power International Berhad, Mulpha International Berhad and Mudajaya Berhad (Chairman). He is also the Chairman of Pelaburan MARA Bhd. and board member of AirAsia X Berhad and Westports Holding Berhad.

email him: [email protected]



Zainal is a Chartered Insurer and Associate of the Chartered Insurance Institute and of the Malaysian Insurance Institute. He has 34 years working experience in risk management, insurance, reinsurance/retakaful and claims. He was the CEO of Mayban Assurance Berhad from 2003. In 2007 when Mayban Assurance merged with Malaysia National Insurance Bhd to form Etiqa Insurance Bhd, Zainal was its first CEO. In early 2008, Zainal was part of the team, which includes Khazanah, responsible in establishing ACR Retakaful, the world’s largest retakaful group. He was later made the CEO/Director of the Malaysian operations. Prior to joining Esperanza, he was with Pana Harrison (L) Ltd, a Labuan-registered reinsurance broker as its Director and CEO.

A well-known and active personality in the Malaysian insurance fraternity, Zainal was appointed to sit as a Council Member in the Malaysian Motor Insurers’ Bureau (MIB) for the period 1987–90 and sat in the Management Committee of General Insurance Association of Malaysia (PIAM) from 2001, chairing the Fire Sub-Committee until 2007 when he had the honour of being elected as the Chairman of PIAM. He was also at one time a member of the Executive Council of the East Asia Insurance Congress (EAIC). Presently he serves as Board Member of the Malaysian Insurance Institute (MII).

email him: [email protected]



Kit read law at Oxford University then qualified as a lawyer.  He spent ten years as an international legal counsel with ICI and British Leyland.  He then became Director of Political Risks with Stewart Wrightson Limited.  In 1987 he was appointed Managing Director of Aon Political Risk, the specialist political risk division of the Aon Group, becoming Chairman in 1997.  He was also Chairman and Managing Director of Aon’s Credit and Political Risk Reinsurance Brokers and an Executive Director of Aon Group Limited.  He joined Arthur J Gallagher (UK) Ltd in August 2003 and was Managing Director of the Credit and Political Risk Division, with a team of over 30 specialists based in London, New York, Singapore, Sydney and Sao Paulo. 

He is a frequent contributor to specialist insurance magazines and a regular speaker at international conferences on the subject of political risk and export credit insurance and reinsurance. He now has a portfolio of business interests including  being a director / shareholder in Esperanza and Chairman of Newstead International Ltd , a London based insurance broker.

email him: [email protected]



Dr. David is a UK Chartered Accountant (trained with Peat Marwick Mitchell in London) and a GARP Financial Risk Manager (FRM). He holds a First Class degree in Mathematics and a DPhil from Keble College Oxford, United Kingdom.
Dr. David has more than 30 years experience in consulting and training at high level in risk management, compliance, internal audit, corporate governance and operational risk management in banking and insurance. His main areas of expertise are quantitative risk modeling, enterprise risk management, internal audit (with 10 years’ experience as a head of audit) and corporate governance. He is also an IT specialist and has developed custom applications to implement the risk and audit frameworks.

He is a former Head of Risk at the Asian Institute of Finance where he carried out research and training in risk management in the financial services sector. He had concurrently been engaged by the International Finance Corporation to upgrade risk governance and internal audit at a bank in the Pacific region. Dr David has had extensive consulting experience in the financial services and property sectors, both with the Big 4 and with his own firm, Real Assurance Risk Management. He was also engaged by Bank Negara Malaysia during 2009-2010 to develop and deliver the Risk Module of the Financial Institution Directors’ Education programme to directors of banks and insurance companies. He has continued to deliver risk management and governance training at board level to a variety of Malaysian institutions.
He has lived in Kuala Lumpur since April 2010.

email him: [email protected]



Dzulkifli graduated from University of Miami, Florida with a BBA (Finance). He has more than 25 years experience in investment banking and risk management. He was with an Investment Bank for 13 years where he was heading the Treasury Division specializing in currency & bond trading, loan syndication, private debt securities and equities.
He later joined a government linked company (GLC) and was responsible for the establishment and implementation of a comprehensive risk management framework as the Head of the Risk Management Committee. He worked with Esperanza since incorporation in 2003 until 2008 and thereafter joined a construction company to manage a team to obtain the ISO 9001 certification. He recently re-joined the Esperanza team as a Senior Risk Analyst and consultant.

email him: [email protected]



Vimala has extensive experience in management and administrative roles working with board members and C-suite executives including  a diverse range of internal and external stakeholders across both high-profile private and public sector organisations. She is proficient in working with large multi-disciplinary teams and organisations on complex multi-faceted international projects, combine with excellent strategic organizational abilities with strong communication skills to ensure client projects are facilitated and delivered timely including assignments servicing clients in New Delhi and other parts of India. Vimala was also the compliance officer for 5 years with


Vimala has extensive experience in management and administrative roles working with board members and C-suite executives including  a diverse range of internal and external stakeholders across both high-profile private and public sector organisations. She is proficient in working with large multi-disciplinary teams and organisations on complex multi-faceted international projects, combine with excellent strategic organizational abilities with strong communication skills to ensure client projects are facilitated and delivered timely including assignments servicing clients in New Delhi and other parts of India. Vimala was also the compliance officer for 5 years with


Vimala has extensive experience in management and administrative roles working with board members and C-suite executives including  a diverse range of internal and external stakeholders across both high-profile private and public sector organisations. She is proficient in working with large multi-disciplinary teams and organisations on complex multi-faceted international projects, combine with excellent strategic organizational abilities with strong communication skills to ensure client projects are facilitated and delivered timely including assignments servicing clients in New Delhi and other parts of India. Vimala was also the compliance officer for 5 years with Virginia Surety Company, Labuan Reinsurance (The Warranty Group, an extended warranty solutions provider). Prior to joining the Esperanza team, Vimala worked with an international technology company to facilitate and assist in the establishment and operationalisation of a Malaysian entity to undertake a major infrastructure transportation project.

email her: [email protected]

Panel of Risk Advisors and Consultants




Dr. Leininger resides in Malaysia and holds a Doctorate in Economics from Purdue University. He has extensive global consulting experience, having worked in the U.S., Canada, U.K., Europe and throughout the Asia Pacific region.

Dr. Leininger’s experience record started as a Research Economist in Exxon in the U.S. and he retired in 1993 as the Chairman and Managing Director of Ernst & Young Far East Consulting Practice. He currently has his own independent consulting practice based in Malaysia, in addition to being a member of the board of Trustees and Associate for the SAD-ELEC (South African Development through Electricity) and Director, Asia, for the Global Utilities Institute, domiciled in Stamford University, USA.

Dr. Leininger has undertaken numerous consulting assignments in Malaysia for Tenaga Nasional Bhd., Sarawak Electricity Supply Co. (SESCO), Sabah Electricity Board (SEB) and other IPPs.



Fathi Ridzuan started his career in 1989 in the insurance industry with Malaysian National Reinsurance Berhad, and followed by American International Assurance Co. Ltd (AIA) in 1990. Joined the capital market with the Kuala Lumpur Stock Exchange (KLSE) Group in 1991 and was employed in various senior financial and operational roles with various subsidiaries of the group. 

In the span of 15 years was involved in major and significant development roles, including the implementation of the Central Depository System (CDS), Human Resources Information System, the CDS Compensation Fund, Clearing Guarantee Fee, the setting up of a new Exchange for high-growth companies (MESDAQ), the demutualization of the KLSE and the Initial Public Offerings (IPO) and listing of Bursa Malaysia. He left Bursa Malaysia in 2005, with the last position of Head of Exchanges.








Mohd Ridzal Sheriff was the Deputy Secretary General of the Malaysian Ministry of International Trade & Industry (2012-2015). Part of his role was to infuse private sector culture into the civil service, whilst cultivating, building and maintaining trade ties on a bilateral and multilateral basis for ASEAN, APEC, OIC and country to country trade relations.

Prior to this role, he was at Deutsche Bank Malaysia Bhd (DB) as Head of Global Transaction Banking Malaysia, Head of Direct Securities Services Malaysia, and Director of Corporate Investment Banking where he successfully built a very strong domestic franchise in transaction banking domestically. From 2000 to 2005 Ridzal was in Bursa Malaysia, the Malaysian stock exchange, holding various senior management positions, such as the Head of Group Business Development, General Manager of Clearing, Settlement & Depository Division at Bursa Malaysia Bhd and CEO of the Malaysian Derivatives Clearing House Bhd. 

He has also represented organisations at Board level.  Most recently, he was Deputy Chairman of SME Corp Malaysia, was previously a Director of Duetsche Corporate Advisory Malaysia, the Malaysian Derivatives Clearing House Bhd, the Kuala Lumpur Options & Financial Futures Exchange Bhd and Chairman of Deutsche Trustees Malaysia Bhd.

Ridzal holds a law degree from the University of London and is a qualified stock and derivatives trader.










Born in Mackay, Adrian spent over 30 years in insurance, tourism and aviation in Australia, Africa and Asia.

He was Managing Director for Australia’s leading marine insurer with branch operations around Australia and New Zealand including Townsville. The company also provided extensive marine hull and liability and cargo and hull claims management services in over 20 countries around the Pacific Rim and Indian Ocean including Papua New Guinea, Solomon Islands and Vanuatu. Adrian also assisted in the development of a program at the Maritime College in Launceston. He was a frequent contributor at Industry educational seminars and peak body conferences before leaving the industry in 2011.

He was a Director, Planning and Strategic Development based in Hong Kong for a leading UK based financial services firm where he was responsible for establishing operations in India, Vietnam and Korea. He was also responsible for marine insurance operations throughout South East Asia. Later he spent 4 years as Managing Director of a European Investment and Insurance Group joint venture in Malaysia. He represented Hong Kong Board at the International Union of Marine Insurers during his stay and was involved extensively in recruiting, training and mentoring executives across Asia.

Adrian also spent 6 years in Africa, building, owning and operating a tourist lodge and safari business for several years in Victoria Falls in Zimbabwe. In addition as a commercial pilot, he managed and flew for an air charter company in nearby Botswana.  During his stay in Zimbabwe, he served as Chairman of the local primary school and was involved in various community groups.





See Toong Chow, is an Associate member of the Chartered Insurance Institute, UK.  His last senior management position was the Technical Advisor of PT Asuransi Parolamas, a General Insurance Company in Indonesia until February, 2014. His main responsibilities then included providing advices and recommendations in general management, claims management, reinsurance, underwriting management and operations. 

He also holds a MBA from the University of Hull. He has more than 35 years of experience in the insurance industry, mainly in Malaysia. He started his career with Health Hudig Langeveldt, one of the international insurance brokerage firms in Malaysia and was a key broker for more than 15 years after which he moved to insurance companies. Since then he held senior management positions in these insurance companies including being Head of Non-Life Operations (Takaful and Non-Takaful) and the CEO of Mayban General Assurance Berhad until October 2008.



Started his career in 1983 as Internal Auditor and later joined KLSE in 1996 where he developed and implemented the system for risk-based Capital Adequacy Requirements(ARMADA). Later he joined Bank Islam as General Manager, IT Transformation responsible for spearheading the rebuilding of IT infrastructure and conducting bank-wide business process re-engineering.



Sharifah Nazneen has a broad dimension of experience within the various industries she has worked in. She is currently a Consultant for UNICEF Malaysia, working with a Capacity Building Project for Child Rights NGOs in Malaysia. She has held various positions in the past including publishing “The Ethics of Asylum in Early Muslim Society" in the Refugee Survey Quarterly by the Oxford University Press.

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Law Kok Choon has over 23 years of hands-on experience in senior administrative and project management in Malaysia and overseas in various stages of project developments; involving chemical plant, oil/gas onshore and offshore facilities, power plant (development, construction, & O&M), and property development.



Nora has 20 years’ experience having worked as a regulator, a solicitor and a compliance specialist within the financial services industry both in the United Kingdom and Malaysia. She has held a number of senior inter national compliance positions with various financial institutions in the wholesale banking and retail banking sectors in London. Prior to the Compliance role, Nora worked as a Legal Manager in the Market Super vision Division at Bursa Malaysia. Nora is a British Chevening Scholar and a Member of the International Compliance Association.

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Most recently, David served as President of RSGUM AfterGuard, part of Ryan Specialty Group Underwriting Managers, where he led the formation of a new cover holder for extended warranty insurance on utility-scale wind turbines. Prior to RSGUM AfterGuard, David served as Executive Vice President of The Warranty Group (TWG) and Vice President and Director of Virginia Surety Company.  He was responsible for all business units and operations in the Asia Pacific region. During that time, he also led the formation of a new joint venture marking TWG’s entry into India, Sri Lanka and Middle East. 

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Graham has over 30 years international experience gained with a number of global blue chip companies including John Brown Engineering and Bombardier Transportation. Graham has very senior level experience in Power Plant projects and MRO activity, Rolling Stock manufacture and maintenance and has held a range of Managing Director level appointments in medium/heavy engineering businesses in markets as diversified as Railways, Power, Oil & Gas, Mining and Aerospace.

Graham is a Fellow of the Institution of Mechanical Engineers and is Vice Chair of their Professional Review Committee with specific responsibility for awarding Chartered Engineer status.

Graham resides in Scotland but completed a 2 year assignment to Malaysia in the 1990’s and has since retained strong personal and business links.






Ir Pooba Mahalingam is a professional engineer with decades of experience in construction, insurance and loss adjusting. He is specialised in managing risk and insurance related to construction, engineering and liability. He used to work for an Insurer in Singapore and also a loss adjusting practice with regional responsibilities for over six years. Pooba was based in Christchurch, New Zealand as a member of the “CAT loss” team handling the 2011 earthquake disaster. 
While in Malaysia, he was responsible for mega projects risk management and claims handling. This included the following large project risks - KLIA, KLCC, KL Tower, LRT 1 & 11, MRR2, Sprint Highway, LDP and Smart Tunnel. 
Pooba is currently the President of the Insurance Law Association, Singapore (ILAS) and active insurance facilitator (trainer) with IEM, ACEM, AICLA, SCI and MII. 

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Henry holds Bachelor of Science (Hons) degrees in Physics as well as Mathematics from the United States which he subsequently added an MBA degree after working within the Insurance industry for several years. He has in his past working career, held varying positions over a span of more than 28 years. These positions range from an Actuarial Assistant to subsequently deputy regional director as well as senior VP. In recent years, he moved into the IT industry, which eventually culminated into senior management positions such as managing director for Asia Pacific with a multinational IT organization as well as holding CEO and company executive director positions for local IT firms.

Who is Esperanza?

Esperanza cares about trans-generational building.  We are purpose driven and passionate in seeing the four generations present in the marketplace become unified by unchangeable values.  We specialize in Enterprise Risk Management Services.  It is imperative to protect the shareholder and market value of organizations through clear risk mitigation plans. Governments and regulators now impose stringent framework of conducting business to safeguard the interest of the public and the nation’s economic well being hence requiring a greater focus and understanding of the business risks enterprise wide. Esperanza has the professional expertise and capabilities to assist our clients to consolidate and develop a workable strategic risk framework.

Why Esperanza?

We work and collaborate with a grouping of highly reputable, experienced and qualified risk management insurance consultants with various disciplines of expertise based in Malaysia, the region and Internationally.

Esperanza deploys the diverse talents and hands-on experience of our Malaysian and global based team of risk advisors and consultants by fully understanding our clients business and specific needs. We develop timely practical & measurable financial results and professional risk & insurance services at the most competitive costs.


Where is Esperanza?

Esperanza is located in Menara BRDB, 9th Floor, 285 Jalan Maarof, Bukit Bandaraya, 59000 Kuala Lumpur.  We work with clients in different parts of the world and have a scope that reaches far beyond the beautiful landscape of Malaysia. No matter where you are in the world Esperanza will help you.