Zolkifli Bidin has over 30 years of banking experience, predominantly in Trade Financing and specialising in trade operations and marketing of trade products. He has worked at Maybank, Bank of Commerce and Hong Leong Bank, and as a Senior Trade Finance consultant on the Amal Express Bank, Dubai project. He recently retired from the banking industry as Vice President, Head of Trade Review of a foreign bank. One of his principal duties were to carry out investigations on suspicious Trade Finance related transactions and to highlight potential trade irregularities, fraud or non-compliance with Anti Money Laundering and Counter Financing of Terrorism (AML/CFT) guidelines and other related regulatory requirements. In addition, he conducted due diligence searches on the borrowers and their suppliers to ascertain that business was conducted in accordance with their nature of business.