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Get To Know The Founder

1. Razin Nizar (Red).png

Hi, I’m Razin.

I help fintech, crypto, and payment businesses turn compliance, risk, and governance challenges into a competitive advantage through tailored consulting and training grounded in real-world regulatory experience.

 

As the founder of Pragmax Consulting, I work with startups, scale-ups, and regulated institutions. I cover the full spectrum of compliance, risk, and governance, including AML/CFT/CPF, Anti-Bribery and Corruption (ABC), data privacy, licensing, and other key compliance areas. My approach combines strategic clarity, technical depth, and practical execution.

What I offer:

• Compliance frameworks and consulting across AML/CFT/CPF, ABC, data privacy, and sector-specific regulatory areas

• Targeted training for board, C-suite, and operational teams

• Strategic reviews for audits, regulatory submissions, and compliance maturity planning

 

Experience and credentials;

• Ex-Head of Compliance for e-payment and digital moneylending companies with over 10 million users

• Former compliance lead at Malaysia’s largest regulated digital asset exchange

• Senior Compliance Expert at LPO&Law

• Clients across Asia, Europe, and North America, including a Fortune 500 asset management company

• Certified Compliance and AML/CFT Practitioner (Distinction)

• Founder of the Digital Asset Compliance Officers’ Network (DCONG), a national initiative driving regulatory dialogue and raising compliance standards across Malaysia’s digital asset industry

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Full Professional Experience:

  1. Pragmax Consulting, Malaysia, Founder & CEO, 2024-Present

  2. LPO&Law, Malta, Senior Compliance Expert, 2025-Present

  3. The MoonCast, Malaysia/Bahrain, Co-Founder & Co-Host, 2024-Present

  4. Luno, Malaysia & Global, Country Compliance Officer, 2023-2024

  5. ShopeePay, SeaMoney and SeaInsure, Head of Compliance, Malaysia, 2020-2023

  6. Eastspring Investments Berhad, Malaysia, Assistant Manager, Financial Crime, 2017-2020

  7. Public Bank Berhad, Malaysia, Senior Executive, AML/CFT, 2014-2017


 

Full Professional Qualifications:

  1. Crystal Expert Crypto Fundamentals (CECF), Crystal Intelligence, 2025

  2. Crystal Expert UTXO Investigator (CEUI),  Crystal Intelligence, 2025

  3. Train-The-Trainer (TTT), Efficient Frontier Consulting Sdn Bhd, 2025 

  4. Fintech Foundation Program, 10x1000 Tech for Inclusion, 2025

  5. Advanced Certification in Regulatory Compliance (Distinction), Asian Institute of Chartered Bankers (AICB), 2023

  6. International Diploma in Governance, Risk and Compliance (Distinction), International Compliance Association (ICA), 2023

  7. Advanced Certification in Anti Money Laundering & Counter Financing of Terrorism (Distinction), Asian Institute of Chartered Bankers (AICB), 2018

  8. International Diploma in Anti Money Laundering (Distinction), International Compliance Association (ICA), 2018

  9. SCLE Revision: Funds Management Regulation (Module 9), Securities Industry Development Corporation (SIDC), 2018

  10. Advanced Certificate in Anti Money Laundering (International), International Compliance Association (ICA), 2016

  11. Certification in Anti Money Laundering & Counter Financing of Terrorism, Asian Institute of Chartered Bankers, 2016

 

Industry Leadership

  1. Digital Asset Business Operators Compliance Officers’ Networking Group (DCONG), Malaysia, Founder and Leader, 2023-2024

  2. Association of E-Money Issuer (AEMI), Malaysia, Member, 2022-2023

  3. Fraud Steering Committee (FSC), Malaysia, Member, 2022-2024

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