About Us

Banking Done Right

It's your Ryt.

Who we are

YTL Digital Bank Berhad, operating under the brand name Ryt Bank, is an entity established by YTL Digital Capital Sdn Bhd and Sea Limited. Bringing together decades of industry expertise with cutting-edge digital innovation, we are here to redefine banking- making it smarter, more inclusive, and truly built entirely around you.

YTL Group
SEA Group

Our vision

Smarter, simpler banking — done right, for every Malaysian.

Hand Clap

Our mission

We empower Malaysian talent to drive intelligent, AI-powered banking – delivering smarter, faster finance and real impact for all.

What makes us different?

Plane
Digital ID

A new kind of digital bank

Smarter, simpler banking — blending global standards with local expertise for solutions that work for Malaysians.

Digital ID

Innovation that understands you

AI-driven technology meets local insights, making banking intuitive, seamless, and built around you.

Our core values

RIGHT

Hand pointing right

Revolutionary

in our thinking

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Malaysia flag

Built in Malaysia, by Malaysians

We are the builders, innovators, and dreamers shaping the future of banking— right here in Kuala Lumpur.

From concept to creation, every line of code, every idea, and every innovation is crafted within our walls by talented Malaysians. A bank built from the ground up in Malaysia, by Malaysians, for Malaysians.

Meet the team behind Ryt Bank.

Our Board of Directors

Dato' Seri Ahmad Johan Mohammad Raslan

Dato' Seri Ahmad Johan Mohammad Raslan

Chairman, Independent
Non-Executive Director

Dato' Seri Yeoh Seok Hong

Dato' Seri Yeoh Seok Hong

Non-Independent
Non-Executive Director

Terence Siau Ming Kiat

Terence Siau Ming Kiat

Non-Independent
Non-Executive Director

Gopala Krishnan A/L K.Sundaram

Gopala Krishnan A/L K.Sundaram

Independent
Non-Executive Director

Jade Lee Gaik Suan

Jade Lee Gaik Suan

Independent
Non-Executive Director

Our leadership team

Melvin Ooi

Melvin Ooi

Chief Executive Officer

We are not here to build just another bank—we are here to set a new benchmark.

Our values drive us to challenge norms, embrace technology, and create financial solutions that are truly accessible in enabling progress for individuals and businesses alike.

Wilson Soon

Wilson Soon

Chief Financial Officer

At our Bank, we value integrity, collaboration and making sure the coffee machine is always stocked. Simple, a well-caffeinated team is a productive team!

Remember, every ringgit saved is a ringgit we can spend on better coffee in the pantry!

Yeoh Xin Yi

Yeoh Xin Yi

Chief Risk Officer

I wanted to make a positive impact in Malaysian's financial and digital literacy levels.

Providing the right information, education and product to our customers will help improve Malaysian's overall digital, social and financial well-being.

Foong Chee Mun

Foong Chee Mun

Chief Product Officer

I aim to advance Malaysia's consumer and technology sectors through AI and fintech, showcasing Malaysia's potential in global technology leadership.

I also strive to strengthen the country's innovation ecosystem by providing opportunities for local talent to grow, and drive progress in industries that can have a positive impact on people's lives.

Yeoh Keong Zhen

Yeoh Keong Zhen

Chief Strategy Officer

I believe that strategy is not just about planning for the future, but about creating a path that adapts to change and drives sustainable growth.

For me, a successful strategy is one that aligns with our core values, listens to the needs of our customers, and empowers our team to be innovative and agile in the face of challenges.

Eric Soo

Eric Soo

Chief Internal Auditor

As CIA, I lead with integrity, strategic insight, and collaboration — grounded in five pillars: independence, risk-based value, partnership over policing, continuous innovation, and building great teams.

Julius Rajeswaran

Julius Rajeswaran

Chief Operating Officer

"Accomplish or Do Not Begin" guides my approach to making banking simple, secure, and seamless for Malaysians, concentrating on innovation and efficiency to empower customers while always ensuring that things are done the "Ryt" way!

Irene Cheah

Irene Cheah

Chief Marketing Officer

Innovation isn't about what's next—it's about what's right.

At Ryt Bank, we don't just market banking; we transform how people experience money—making it seamless, intelligent, and effortless, so they can focus on living, not managing finances.

Nic Ngoo

Nic Ngoo

Chief Technology Officer

By attracting and empowering Malaysia's finest talents, we build the right bank using technologies that deliver unparalleled reliability, performance, and security. Our platform safeguards customer data while staying on the leading edge to continuously delight Malaysians with innovative banking experiences

Esvina Litia Choo

Esvina Litia Choo

Head of Treasury

I believe in fostering the right mindset within the team, leading by example, and inspiring continuous motivation.

By embodying these positive values, I aim to create an environment where we grow together, overcome challenges, and reach new heights of success as one.

Janet Tan

Janet Tan

Head of People and Culture

I ensure that the bank hires the best of talents and we do recruit Oxford Grads to fix our light bulbs also and keep them happy!

Julia Mah

Julia Mah

Company Secretary

I believe in doing things with integrity and making sure we stay true to our values.

It's about creating an environment where everyone can trust each other, make decisions that feel right, and always have each other's back. That's how we build something lasting and meaningful.

Hand with Puzzle
Hand with Puzzle

Build the Ryt future, together.

We're rethinking banking from the ground up — smarter, faster, and designed for the future.

If you're bold, curious, and ready to make a difference, you're in the Ryt place.

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