Dr. Zulkarnain is a Professor (Full) of Accounting specializing in financial reporting, accounting standards, auditing, corporate governance, Islamic accounting & Shariah governance. He received his Bachelor of Accounting & Master of Science from Universiti Putra Malaysia (UPM) & PhD from Cardiff University, UK. He is a Chartered Accountant (Malaysian Institute of Accountants [MIA]), a Certified Training Professional (FAA), a Certified Professional Trainer (MIM) & a Certified Trainer (HRDF). He is actively involved in consulting, research & teaching at INCEIF/ISRA. His recent consultancy projects include Shariah assurance services, internal audit services, training of 300 members of BOD of Islamic banks & their related institutions (organized by the BNM). He has been Published extensively in academic and Professional Journals.

Dr. Mohammad Mahbubi Ali is an Islamic Finance Expert and shariah scholar serving a number of Islamic Banks and Research Institutions. Graduated from Tazkia Global Islamic Institute in Indonesia with a Bachelor degree in 2009, he pursued master degree at INCEIF University Malaysia and successfully completed Chartered Islamic Finance Professional (CIFP) in 2011. Also, he holds a PhD of Islamic Banking and Finance fromInternational Islamic University Malaysia (IIUM) in 2017. He worked in many professional institutions such as: International Institute of Advanced Islamic Studies (IAIS), Bank Negara Malaysia as shariah advisory and currently works at Bank Central Brunei Darussalam.