Raizal has more than 19 years experience specialising in Financial Management and Strategic Planning in the Takaful and Life Insurance industry. He was instrumental in the establishment of two new Takaful companies in Malaysia which were subsidiaries of conventional MNC insurance groups. Raizal played a pivotal role in setting up the overall accounting and financial control infrastructure as well as the management reporting systems for these new companies whilst assisting in the overall strategy and business development. He also had a significant position in ensuring the success of a corporate merger exercise of takaful companies, which involved intricate systems and operational integration. Raizal is a qualified accountant, being a fellow of the ACCA and graduated with a first class degree from Lancaster University, UK majoring in Accounting and Finance. He is presently the Head of Business Strategy of AIA Public Takaful Bhd. in Kuala Lumpur.