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BIODATA - NIK ZAFRI




NIK ZAFRI BIN ABDUL MAJID, CONSULTANT/TRAINER
Email: nikzafri@yahoo.com, nikzafri@gmail.com
http://www.nikzafri.blogspot.my

Kelantanese, Alumni of Sultan Ismail College Kelantan (SICA), Diploma (Management), IT Competency Cert, Certified Written English Professional US. Has participated in many seminars/conferences (local/ international) in the capacity of trainer/lecturer and participant.

Affiliations :- Council Member of Gerson Lehrman Group NY, Institute of Quality Malaysia, Malaysian Institute of Management, Malaysian Occupational Safety and Health Professionals Association, Auditor ISO 9000 IRCAUK, Auditor OHSAS 18000 (SIRIM and STS) /EMS ISO 14000:2004 and Construction Quality Assessment System (CONQUAS, CIDB (Now BCA) Singapore),

* Possesses 26 years of experience/hands-on in the multi-modern management & technical disciplines (systems & methodologies) such as Knowledge Management (Hi-Impact Management/ICT Solutions), Quality (TQM/ISO), Safety Health Environment, Civil & Building (Construction), Manufacturing, Motivation & Team Building, HR, Marketing/Branding, Business Process Reengineering, Economy/Stock Market, Contracts/Project Management, Finance & Banking, etc. He was employed to international bluechips involving in national/international megaprojects such as Balfour Beatty Construction/Knight Piesold & Partners UK, MMI Insurance Group Australia, Hazama Corporation (Hazamagumi) Japan (with Mitsubishi Corporation, JA Jones US, MMCE and Ho-Hup) and Sunway Construction Berhad (The Sunway Group of Companies). Among major projects undertaken : Pergau Hydro Electric Project, KLCC Petronas Twin Towers, LRT Tunnelling, KLIA, Petronas Refineries Melaka, Putrajaya Government Complex, Sistem Lingkaran Lebuhraya Kajang (SILK), Mex Highway, KLIA1, KLIA2 etc. Once serviced SMPD Management Consultants as Associate Consultant cum Lecturer for Diploma in Management, Institute of Supervisory Management UK/SMPD JV. Currently – Associate/Visiting Consultants/Facilitators, Advisors for leading consulting firms (local and international) including project management. To name a few – Noma SWO Consult, Amiosh Resources, Timur West Consultant Sdn. Bhd., TIJ Consultants Group (Malaysia and Singapore) and many others.

* Ex-Resident Weekly Columnist of Utusan Malaysia (1995-1998) and have produced more than 100 articles related to ISO-9000– Management System and Documentation Models, TQM Strategic Management, Occupational Safety and Health (now OHSAS 18000) and Environmental Management Systems ISO 14000. His write-ups/experience has assisted many students/researchers alike in module developments based on competency or academics and completion of many theses. Once commended by the then Chief Secretary to the Government of Malaysia for his diligence in promoting and training the civil services (government sector) based on “Total Quality Management and Quality Management System ISO-9000 in Malaysian Civil Service – Paradigm Shift Scalar for Assessment System”

Among Nik Zafri’s clients : Adabi Consumer Industries Sdn. Bhd, (MRP II, Accounts/Credit Control) The HQ of Royal Customs and Excise Malaysia (ISO 9000), Veterinary Services Dept. Negeri Sembilan (ISO 9000), The Institution of Engineers Malaysia (Aspects of Project Management – KLCC construction), Corporate HQ of RHB (Peter Drucker's MBO/KRA), NEC Semiconductor - Klang Selangor (Productivity Management), Prime Minister’s Department Malaysia (ISO 9000), State Secretarial Office Negeri Sembilan (ISO 9000), Hidrological Department KL (ISO 9000), Asahi Kluang Johor(System Audit, Management/Supervisory Development), Tunku Mahmood (2) Primary School Kluang Johor (ISO 9000), Consortium PANZANA (HSSE 3rd Party Audit), Lecturer for Information Technology Training Centre (ITTC) – Authorised Training Center (ATC) – University of Technology Malaysia (UTM) Kluang Branch Johor, Kluang General Hospital Johor (Management/Supervision Development, Office Technology/Administration, ISO 9000 & Construction Management), Kahang Timur Secondary School Johor (ISO 9000), Sultan Abdul Jalil Secondary School Kluang Johor (Islamic Motivation and Team Building), Guocera Tiles Industries Kluang Johor (EMS ISO 14000), MNE Construction (M) Sdn. Bhd. Kota Tinggi Johor (ISO 9000 – Construction), UITM Shah Alam Selangor (Knowledge Management/Knowledge Based Economy /TQM), Telesystem Electronics/Digico Cable(ODM/OEM for Astro – ISO 9000), Sungai Long Industries Sdn. Bhd. (Bina Puri Group) - ISO 9000 Construction), Secura Security Printing Sdn. Bhd,(ISO 9000 – Security Printing) ROTOL AMS Bumi Sdn. Bhd & ROTOL Architectural Services Sdn. Bhd. (ROTOL Group) – ISO 9000 –Architecture, Bond M & E (KL) Sdn. Bhd. (ISO 9000 – Construction/M & E), Skyline Telco (M) Sdn. Bhd. (Knowledge Management),Technochase Sdn. Bhd JB (ISO 9000 – Construction), Institut Kefahaman Islam Malaysia (IKIM – ISO 9000 & Internal Audit Refresher), Shinryo/Steamline Consortium (Petronas/OGP Power Co-Generation Plant Melaka – Construction Management and Safety, Health, Environment), Hospital Universiti Kebangsaan Malaysia (Negotiation Skills), Association for Retired Intelligence Operatives of Malaysia (Cyber Security – Arpa/NSFUsenet, Cobit, Till, ISO/IEC ISMS 27000 for Law/Enforcement/Military), T.Yamaichi Corp. (M) Sdn. Bhd. (EMS ISO 14000) LSB Manufacturing Solutions Sdn. Bhd., (Lean Scoreboard (including a full development of System-Software-Application - MSC Malaysia & Six Sigma) PJZ Marine Services Sdn. Bhd., (Safety Management Systems and Internal Audit based on International Marine Organization Standards) UNITAR/UNTEC (Degree in Accountacy – Career Path/Roadmap) Cobrain Holdings Sdn. Bhd.(Managing Construction Safety & Health), Speaker for International Finance & Management Strategy (Closed Conference), Pembinaan Jaya Zira Sdn. Bhd. (ISO 9001:2008-Internal Audit for Construction Industry & Overview of version 2015), Straits Consulting Engineers Sdn. Bhd. (Full Integrated Management System – ISO 9000, OHSAS 1800 and EMS ISO 14000 for Civl/Structural/Geotechnical Consulting), Malaysia Management & Science University (MSU – (Managing Business in an Organization), Innoseven Sdn. Bhd. (KVMRT Line 1 MSPR8 – Awareness and Internal Audit (Construction), ISO 9001:2008 and 2015 overview for the Construction Industry), Kemakmuran Sdn. Bhd. (KVMRT Line 1 - Signages/Wayfinding - Project Quality Plan and Construction Method Statement ), Amiosh Resources - (1) Lembaga Tabung Haji - Flood ERP (2) WNA Consultants - DID/JPS -Flood Risk Assessment and Management Plan - Prelim, Conceptual Design, Interim and Final Report etc. (3) Tunnel Fire Safety - Fire Risk Assessment Report - Design Fire Scenario), Safety, Health and Environmental Management Plans leading construction/property companies/corporations in Malaysia. Timur West Consulting (1) Business Methodology and System (2) Information Security Management Systems (ISMS) ISO/IEC 27001:2013 for Majlis Bandaraya Petaling Jaya ISMS/Audit/Risk/ITP Technical Team

* Has appeared for 10 consecutive series in “Good Morning Malaysia RTM TV1’ Corporate Talk Segment discussing on ISO 9000/14000 in various industries. For ICT, his inputs garnered from his expertise have successfully led to development of work-process e-enabling systems in the environments of intranet, portal and interactive web design especially for the construction and manufacturing. Some of the end products have won various competitions of innovativeness, quality, continual-improvements and construction industry award at national level. He has also in advisory capacity – involved in development and moderation of websites, portals and e-profiles for mainly corporate and private sectors, public figures etc. He is also one of the recipients for MOSTE Innovation for RFID use in Electronic Toll Collection in Malaysia.

Note :


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Thursday, July 07, 2011

PENGUBAHAN WANG HARAM/MONEY LAUNDERING

Kajian : Nik Zafri (Januari, 2006)


Artikel berikut adalah kajian bebas pengarang dan bukanlah bertujuan untuk memberikan khidmat nasihat kepada pembaca. Pembaca digalakkan menghubungi pihak yang berwajib seperti institusi perbankan dan kewangan.


Mungkin ramai yang pernah mendengar frasa 'money laundering' atau 'pengubahan wang haram'. Aktiviti money laundering ini telah mengakibatkan kerugian jutaan ringgit kepada sesebuah negara. Setakat ini Malaysia mengamalkan dasar yang agak ketat bagi menangani masalah ini.

Money laundering dikatakan amat popular di peringkat antarabangsa terutamanya golongan pengedar-pengedar dadah, kongsi gelap, bookie, pemain judi dan kumpulan pengganas. Walaupun terdapat pelbagai undang-undang telah digubal di seluruh dunia, namun money laundering, amat sukar di kawal.

Dikatakan money laundering berasal daripada satu kumpulan kongsi gelap/penjenayah antarabangsa yang menggunakan duit hasil kegiatan jenayah untuk 'dilaburkan' atau 'dibersihkan' dengan menggunakan jalan-jalan yang berlandaskan undang-undang seperti menerusi aktiviti pembelian saham, stok, derivatif, futures, FOREX, insurans, pembiayaan industri/projek yang besar, terlibat dalam sektor hartanah dan sebagainya. Malah 'penjenayah' menggunakan wang berkenaan bagi 'membiayai' dan 'membeli' bank-bank tertentu (yang bermasalah) untuk diniagakan menerusi pelbagai skim pinjaman berfaedah termasuk segala potongan cukai bagi 'membersihkan' wang berkenaan dan mengikut 'lunas undang-undang' serta dianggap sebagai 'revenue'/hasil. - ('doing the wrong thing the right way' - pengarang)

Suatu laporan antarabangsa pernah dikeluarkan yang menyatakan bahawa kewujudan Money Laundering juga menandakan wujudnya operasi jenayah terancang (organised crime) dan transnasional. Money Laundering juga amat cepat evolusinya di mana penjenayah amat bijak menyesuaikan teknik 'pelaburan' agar sukar dikesan tambahan pula dengan adanya teknologi ICT yang mempermudah dan mempercepatkan lagi urusan 'perniagaan'. Apabila banyak keuntungan diperolehi dari 'pelaburan' money laundering, maka dengan sendirinya kekemungkinan 'keuntungan' ini digunakan pula untuk membiayai aktiviti jenayah adalah tinggi.

Antara cara-cara money laundering dilakukan ialah :

1) Pelaburan
Memandangkan money laundering melibatkan perniagaan 'tunai' yang besar, wang ini akan dilaburkan menerusi sistem kewangan atau ekonomi retail atau diseludup keluar dari sesebuah negara. Matlamat mereka ialah untuk 'melarikan' wang berkenaan daripada 'sumber asal' bagi mengelakkan dikesan oleh pihak berkuasa. Kemudian ianya akan ditukar dalam bentuk cek kembara atau wang pos dan sebagainya.

2) Pelapisan

'Pelapisan' merupakan konsep menjadikan wang haram menerusi proses pusingan pelbagai tingkat yang kompleks termasuk menyerap ke dalam sistem pengauditan. Tujuan utama 'pelapisan' dilakukan ialah untuk 'menidakkaitkan sejauh mungkin' wang berkenaan daripada 'sumber asalnya'. Pelapisan biasanya dilakukan dengan aktiviti simpanan dan pengeluaran secara berulang kali menerusi akaun di bank-bank offshore di mana akaun-akaun ini melibatkan syarikat-syarikat 'kosong' yang menggunakan kaedah Electronic Funds Transfer (EFT). Aktiviti ini amat sukar dikesan kerana wang berkenaan dibahagi-bahagikan kepada terlalu ramai individu dan 'syarikat-syarikat' dan lebih menyulitkan lagi, 'penjenayah' mengetahui bahawa apabila berlaku terlalu banyak transaksi harian di pihak bank-bank offshore, maka mereka akan mudah 'menyelinap masuk' tanpa dikesan. Selain itu, mereka juga membuat pembelian stok, komoditi, FOREX dan lain-lain yang juga sukar dikesan kerana transaksi harian yang terlalu tinggi.

3) Integrasi dan Penyerapan

Wang haram diintegrasikan atau diserap ke dalam sistem kewangan dan ekonomi yang sah dan menjadikan wang ini akhirnya seolah-olah 'dimiliki secara sah' oleh 'penjenayah'.

Contohnya :

a. Dengan menubuhkan syarikat di negara-negara tertentu di mana 'transaksinya terjamin dirahsiakan'. Kemudian, mereka akan kononnya 'diluluskan' pinjaman yang berasal daripada 'wang haram'. Cara ini juga memberikan ruang untuk mendapatkan 'potongan cukai' dan 'pembayaran kembali' wang berkenaan dengan 'faedah'nya sekali.

b. Cara yang lain ialah menghantar invois yang bersabit dengan perniagaan impot/ekspot yang memudahkan penjenayah ini memindahkan wang berkenaan dari satu syarikat ke satu syarikat yang lain atau dari satu negara ke satu negara yang lain.

c. Menggunakan kaedah EFT menerusi bank-bank yang 'dikuasai' oleh 'penjenayah' ini - (melalui pembelian, pelaburan, pembiayaan wang yang tinggi)

d. Membuka/menjalankan perniagaan menerusi syarikat-syarikat (berlesen) pemberi pinjam wang atau pembiayaan secara geran, pengurusan dana - malah pengurup wang.

Walaupun terdapat banyak undang-undang Anti-Laundering digubal di seluruh dunia seperti peruntukan menghadkan jumlah simpanan pada sesuatu masa, tempoh bertenang untuk pemeriksaan, tetapi penjenayah-penjenayah ini tetap pandai mengaburi mata pihak insitusi perbankan dan kewangan dengan hanya menerusi kaedah-kaedah menggunakan nama ramai individu, syarikat-syarikat yang menjalankan berbagai jenis perniagaan. Kita perlu menentang dengan apa juga cara untuk membasmi kegiatan ini kerana ianya mampu melumpuhkan ekonomi negara dalam masa yang sangat pantas.

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