Carmen L.

Carmen L. has a diverse work experience spanning multiple industries and roles. Carmen began their career in 1996 as an Administrative Clerk at Standard Chartered Bank, where they later transitioned to the role of Client Service Representative and then Sales Support Coordinator. In 2001, they became a Credit MIS Officer at the same company.

In 2004, Carmen joined Southern Bank Berhad as a Senior Executive and stayed until 2007. Carmen then moved to CIMB, starting as an Assistant Manager and progressing to roles such as Assistant Vice President, Vice President, and Associate Director. Their tenure at CIMB lasted from 2007 to 2021.

Most recently, Carmen joined Lightnet Group in 2021 as Head of Payment Operations, a role they held until at least April 2022. Prior to that, they also served as Head of Payment Operations at Lightnet from July 2021 to April 2022.

Overall, Carmen L. has accumulated extensive experience in banking and financial services, with specific expertise in payment operations.

Carmen L. obtained a Bachelor's degree in Business Administration and Management, General from the Institute of Chartered Secretaries & Administrators of Malaysia. Carmen attended the institute from 1997 to 2004. Prior to that, Carmen L. completed their Malaysian Higher School Certificate (STPM) at Cochrane Road Secondary School from 1994 to 1995. Carmen also received a General Certificate of Education (SPM) from Convent Peel Road Secondary School from 1989 to 1993. In addition to their formal education, Carmen L. obtained a certification called the CIMB-NTU Accelerated Universal Bankers Program from Nanyang Technological University, Singapore in July 2012.