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Aniza Rahayu Zulkifli serves as an Assistant Vice President at Maybank since May 2022, bringing extensive experience in product development across various banking sectors. Previously, Aniza held the role of Senior Assistant Vice President at MUFG, focusing on international currency and Islamic banking products. Earlier career positions include Senior Manager Products at Standard Chartered Saadiq Berhad, Product Manager at Bank Muamalat Malaysia Berhad, and Trade Product Manager at HSBC Amanah Malaysia Berhad. Aniza's foundational experience includes senior executive roles in trade product development at Malayan Banking Berhad and RHB Bank, beginning with an associate position at Scope International (M) Sdn Bhd. Aniza holds a Bachelor of Business Administration in Finance from Universiti Tenaga Nasional, a Certificate in Islamic Banking Law and Finance from International Islamic University Malaysia, and a Diploma in Investment Analysis from Universiti Teknologi MARA.