Zafrul graduated from the University of Bristol, United Kingdom with a Bachelor of Science (Hons) Economics and Accounting and obtained a Master of Arts (MA) in Finance and Management from the University of Exeter, United Kingdom. He also holds a fellowship with the Asian Institute of Chartered Bankers. With over 19 years of experience in the financial services sector, specialising in Investment Banking, Zafrul’s last position was with Maybank Investment Bank Berhad and Maybank Kim Eng Holdings as Chief Executive Officer. He also held senior positions in Citigroup Malaysia, Kenanga Holdings Berhad and Avenue Securities (now known as ECM Libra). He also experienced being an entrepreneur by setting up Tune Money Sdn Bhd, Asia’s first “no-frills” online financial service provider. He started his career as a Corporate Finance Executive in AmInvestment Bank and after that joined Credit Agricole as a Senior Investment Analyst, after which he became the Advisor to the President of Tenaga Nasional Bhd.