Malayan Adjustment Company

Key Personnel

Malayan Adjustment Company key staff

Ramakrishnan Kervsseben (Director/Chief Executive Officer)

Chartered Loss Adjusters
ANZIFF (Senior Associate), ACLA (Associate),
Certified Insurance Professional,
Dip Financial Services (Loss Adjusting)

Ramakrishnan commenced his career in loss adjusting in 2001 with a local company primarily handling motor claims before joining Malaco in 2003 where he continued to build on his motor experience.

His diligence and keenness to learn was spotted by the industry and in 2007 he was recruited as a non-motor adjuster by Cunningham Lindsey Malaysia. This led to his extensive exposure in a wide variety of claims relating to fire, burglary, flood, windstorm, lightning, money, machinery breakdown, Contractors/Erection All Risk, public liability, jewelers block, goods in transit and marine cargo.

Acknowledging his ability to adjust claims professionally and promptly, Cunningham CAT Team engaged him to help out with catastrophe losses in Brisbane, Australia in year 2010 where the city and its neighborhood was hit by massive flood. He was also a nominated adjuster by FM Global Singapore to handle claims pertaining to their losses in Malaysia after he had done an impressive work in handling their large loss claims to satisfactory conclusion.

Ramakrishnan has over the years developed a sharp sense for detecting fraud and establishing evidence. The jewelers block market recognizes this and uses him regularly for their claims

Zulkefli Bin Ahmat (Director)

Zulkefli is a specialist in handling Motor Own Damage claims. He joined a motor loss adjusting firm in 1991 where he picked up invaluable skills relevant to the job and joined Malaco in 2010.

The process of claims adjusting, investigation and overseeing subordinates’ work has enriched his knowledge of motor claims handling immensely, and currently he is in-charge of Motor Own Damage claims, and Takaful account.

Abdul Salem Bin Mohd Ali (Director)

Abdul Salem is our Johor Baru Branch Manager and brings with him 13 years of experience in loss adjusting. He was with Associated Adjusters since 2006 and was based in Johor Baru. During this period he was handling several Bodily Injury and as well as Motor Theft Claims. He has an impressive track record of cracking several large fraud claims involving BI and motor theft cases for insurers in Johor..

He is also specialized in casualty claims and third party property damage claims and vast knowledge of the local market and was promoted to Assistant to the Branch Manager in appreciation of his technical expertise in handling these type of cases.

Nelson Francis (Chief Operating Officer)

Nelson has been in the adjusting industry for over 20 years, handling both Motor and Non-motor claims. As a result he has gained considerable experience in Motor Theft, Third Party Bodily Injury, Contractors All Risks, Fire, Burglary and Fidelity Guarantee claims.

He is acknowledged for having successfully handled many Third Party Bodily Injury claims involving public and commercial motor vehicles – these are cases that made headlines in all major national newspapers, and each of which involved a large number of third party claimants. Nelson has built strong connections with various authorities such as the Police and JPJ and is thus able to obtain quick responses and police findings to complete his investigation work swiftly.

Benjamin Choo (General Manager – Non Motor)

AMII(1), BSc. (Hons) Actuarial Science

Benjamin Choo started his loss adjusting career in year 2012 with a leading adjusting firm, handling various classes of losses. Being excelled in all assignments to him, he was soon promoted as a senior loss adjuster where he began to handle large and complex commercial and financial losses.

During the course of his career, he has gained substantial experience in handling a wide range of property and casualty related losses which include commercial and industrial fire, jewellery block, associated perils & theft/robbery loss. He extensively involved in leading a team of loss adjusters and managing the catastrophe flood claims, as well, in Kuantan (2013), Kelantan (2014), Segamat (2017) and Penang (2017) in which easily over thousands of claims per occurrence.

Benjamin Choo graduated from Bachelor of Science (Hons) Actuarial Science Degree and throughout out his academic, he had acquired in-depth knowledge of complex mathematics and business accounting. For that being the reason, he has special interest in handling financial line claims with high level of complexity, such as fidelity guarantee and associated business interruption.

In recognition of his dedication and service to the company, he has been exalted with Manager position to assist and support the management in the expansion of its non-motor loss adjusting business.

In year 2021, he joined Malayan Adjustment Company as Assistant General Manager to oversee the non-Motor claims. With his vast experience in loss adjusting, he brings the skill and technical knowledge to complement the company in providing clients with a superior level of loss adjusting services.

Leonos Alexander (General Manager – Accident & Health)

BA(Econs), Dip Ins. Admin, AIPD

Leonos holds a degree in Economics and a post-graduate Diploma in Administration. He is also an Associate of the Institute of Personal Development (UK) and is a professional trainer. He had worked in an insurance company for 18 years where he rose to the position of heading the Claims Department of the General Division.

Leonos changed his career to loss adjusting in 2000 by joining an international loss adjusting firm. His expertise lies in handling Third Party Bodily Injury (TPBI), Personal Accident (PA), Medical, Liability, Medical Malpractice and Workmen’s Compensation claims.

Leonos has personally handled a wide range of TPBI, Medical and PA claims which are of a dubious nature. With the assistance from a panel of 20 medical consultants/specialists and forensic experts, he was instrumental in enabling Insurers to successfully repudiate many of these claims. Leonos has also handled PA claims overseas.

He is now the General Manager of our firm and is responsible for the company’s overall marketing, and the Accident and Health Unit.

Calvin Muthu (General Manager – OD Department)

E Eng(hons) Automotive Eng, DMII

Calvin is an Automotive engineer qualified from Bath University (UK) and straightaway joined the Malaysian Automotive scene after completing his studies. With 25 years of experience in the Malaysian Motor adjusting insurance scene as well as other neighbouring regions, coupled with strong technical knowledge and a professional attitude to provide solutions to challenges, Calvin brings a strong presence to Malayan’s Motor OD team.

Calvin’s years of experience provides valuable insight to exaggerated and fraudulent claims as his wide expertise was nurtured from very early on by handling all types of motor claims which includes Motor Own Damage, Motor Theft, Motor Own Damage Investigation, Property Damage as well as Motor miscellaneous claims and Personal Injury claims.

Calvin has serviced all types of clients from large local and foreign motor insurers and franchise companies to independent vehicle warranty underwriters.

Calvin has been vital in securing, servicing and coordinating various types of accounts and with integrity and professionalism has built a respectable reputation.

Lim Wai Han (Deputy General Manager – Southern Region )

LL B (Hons)

Wai Han graduated with LLB (Hons) from University of London, External Programme and also with accounting knowledge by receiving a Diploma in Accounting (Distinction with Commendation).

He started his career in adjusting since year 2013 and joined Crawford & Company Adjuster (M) Sdn Bhd and Maphilindo International Sdn Bhd.

He was well trained in these firms and gain experiences and exposures on Non-Motor claim in various classes including Fire & Perils, Burglary, Liabilities, Fidelity Guarantees, Contractor All Risks, etc. With his legal and accounting background, he handles most of the Liabilities and financial losses for the companies.

He also participated in catastrophe losses such as East Coast flood in year 2013, 2014 and Penang flood in year 2017. He Then joined Malayan Adjustment Company as an Assistant Manager and currently heading the Johor Bahru Branch. With his vast experience, Mr. Lim Wai Han, coupled with knowledge in Law and Accounting is well versed in all aspects of non-motor claims.

Raja Suzali Raja Sulong (Asst. General Manager – Takaful)

Raja Suzali commenced his loss adjusting career in 1999 with a local company primarily handling motor and non-motor claims before joining Malaysian Broadwide Adjuster in 2003 where he continued to build on his non-motor experience which led to his extensive exposure in a wide variety of claims relating to fire, burglary, flood, windstorm, lightning, money, machinery breakdown, etc.

As a result, he has gained considerable experience in various types of non-motor claims.
Before joining Malayan Adjustment, he was leading the in-house non-motor Fast Track investigation unit in AIG Insurance Malaysia for the last 5 years.

Benjamin Roy (Asst. General Manager)

Dip Mech Eng
ANZIIF (Snr Assoc), ACLA, CIP,
FIFAA Chartered Loss Adjuster

Benjamin Roy started his career with an International Loss Adjusting firm and was part of the Engineering Unit for the Southern Region. A unit set up and was trained to handle specifically engineering claims such as boiler fire investigation and assessment, etc. He was subsequently exposed to handling various types of claims in Johor State.

He later moved to another International Firm and was involved in handling specific client accounts such as Shimano Components, Oriental Assemblers-Kah Motor and Hitachi Transport based in Johor. He acted as the coordinator personally handling the claims and/or oversee the handling of the claims with providing risk improvement measures to Insurers so as to reduce the claim nos. His area of expertise begins to develop to include Machinery Breakdown, Contractor/Erection All Risks, Equipment and Jewelers Block claims.

He was subsequently promoted and was instrumental in personally setting up the firm’s Melaka branch operations. He set up the motor and non-motor units and gained support from most of the Insurers in Melaka, Muar, Segamat, Batu Pahat and Negeri Sembilan. Handled various types of claims and risk surveys. Also provided training for the Insurers and their staff. Carried out regular bordereaux meetings with Insurers such as MSIG, AIG, Am Ass, etc. Was involved with Ace Synergy and AIG in developing the risk survey format and procedures to survey bird’s nest houses in Peninsular Malaysia. Formats which were subsequently used by other Insurers.

He subsequently joined Insurers, Tokio Marine Insurans as the Southern Region Claims head. His responsibilities involve the Insurance Claims Management for the Southern Hub overseeing four branches Melaka, Segamat, Batu Pahat and Johor Bahru processing motor windscreen claims, non-motor claims and also involve in assigning Adjusters/surveyors to investigate claims. He was assisted by eight personnel including a Claims Manager based in Johor Bahru. He was directly involved in the negotiation and settlement of claims. He did get involve in determining Adjusters and Repairers panel and getting involve in Fraud claims investigation when necessary. He was involved in assisting the Marketing officers and Regional head in some cases for risk survey to determine the moral hazards of certain risk and/or provide views on improvements to specific risk.

Suresh P. Jeganathan (Manager – Motor)

LLB (Hons)

Suresh was a law graduate from University of London and started his career in Loss Adjusting with Jaya Adjusters Sdn Bhd in year 2000. He was then handling motor insurance claims investigation.

And subsequently joined McLarens Saksama International Loss Adjusters (known as Mclarens Young International then) in 2003. During his service with the company, he was assigned on Motor and Non Motor claims investigation and upon serving 6 years, moved to join Logan Loss Adjusters Sdn Bhd in 2006 as an Editor cum Operations Manager.

Apart from vetting motor investigations reports, he was also in-charge for the operation of the motor department which exposes him onto monitoring of compliance and performance of the adjusters and assignments to ensure delivery.

In his 8 years of service with the said company, Suresh has gained vast knowledge onto managing and executing motor claims investigation which sees him exploring knowledge onto technicality and complexity of motor claims environment. With his years of service and exposure, coupled with his knowledge in law and legal matters, Mr. Suresh brings with him vast knowledge in liability assessment and motor investigation skills on-board with him.

James Ho (Manager – Motor)

BA (Hons) Law Barrister (Lincoln’s Inn)

James started his career as a police officer in year 1968. During his tenure in the force, he was deployed to various departments in order to gain the necessary experience. James was promoted to an inspector. He had with him many years of experience investigating numerous criminal (commercial crimes, robberies, theft, etc), he spent about 9 years in the police field force working at the brigade intelligence centre and thereafter, became a platoon commander in 17 battalion PFF and was deployed to the ground for operational duties with the other ground forces for counter communist insurgencies work.

Whilst in the police force, James was on study leave and reads law in London and was called to the Bar at Lincoln’s Inn. After reading in chambers, he opted for early retirement from the police force and joined Hong Leong Assurance Berhad’s Claims Department in 1986 as a Lagal Officer. During his tenure with Hong Leong Assurance Berhad, he dealt with all classes of insurance claims. He was subsequently promoted to be incharge of all branches major claims and also assisted to manage claims analysis and put forth recommendations to the management for the underwritters to implement prudent undewriting practices , consequently improving the Company’s loss ratio, James also has vast experience in handling fraudulent insurance claims involving Fire, PA and Maritime policies. Subsequently, he was also included into the company’s audit team comprising the heads of underwriting, finance and compliance to conduct random audit checks. These audit findings are submitted directly to the audit committee of Hong Leong Group.

James was also a concillor with the Motor Insurer Bureau (MIB) and left the Bureau as Vice Chairman in 2006. He is on record of providing dedicated services on a voluntary basis.

James retired from the insurance industry in year 2006. He joined a legal firm to develop insurance business and subsequently , James was recruited by MSM International Adjusters (Malaysia) Sdn Bhd as a Manager heading the audit and investigations department. The role includes, amongst others, the conduct of internal audit of adjusting files through out the country.

In view of this vast experience and networking, James joined Malayan Adjustment Company who will be assisting Motor Liability and Non Motor department in the investigations involving special cases.

Rohana Binti Yusoff @ Maria (Manager – Accident & Health)

Rohana Yusoff fondly referred to as Maria was educated in Singapore after which she joined Mayban General Assurance (now known as Etiqa Insurance Berhad). Her last post was Assistant Vice-President Claims, heading the PA & Health Section of the Claims Department.

Her forte lies in the handling of Bancassurans and Fast-Track and Personal Accident claims. She also has vast experience in handling Critical Illness claims. After 25 years with the above company, she left to start a career in loss adjusting in 2013.

She joined us on 1st January 2015 as Manager (Accident & Health Unit) with responsibilities to ensure smooth and effective operation of the Accident & Health Unit.

Rajkumar Pandyan (B. Business Operation Management)

Head of Motor Department

Rajkumar graduated with Bachelor in Business Operation Management from Asia E University. He started his journey as an Adjuster in the year 2019 with a local company primarily handling motor claims. He then went on to develop his skills by handling various claims such as motor theft & own damage cases.

He stepped into Malayan Adjustment Company in the year 2020 as an adjuster. Whilst being an adjuster, he managed to gain vast knowledge in intricate investigative skills which had managed to assist the company in cracking and solving many complex fraud induced claims in motor theft and own damage cases. In addition, he had mastered the expertise in producing comprehensive reports for various Insurance companies.

His perseverance, dedication and thirst for knowledge had been the stepping stone to his promotion as an Editor and as Assistant Manager. Now, he is promoted to Head of Motor Department and still continues to show deep passion and motivation in this arena.

Raymond Leong Kar Soon (Manager – Liability )

LL.B (Hons), CLP

Raymond Leong graduated with LL.B (Hons.) degree from University of Northumbria in year 2015 and completed his Certificate in Legal Practice in year 2016. Upon completion of his pupillage with Messrs. Tan, Chua & Lawrence, he was admitted to the Malaysian Bar on                  15th December, 2017. Thereafter, he was retained as a Legal Associate and/or Legal Assistant at Messrs Cheah Poh Gek & Associates from year 2018 to 2020. His tenure in the said firm mainly dealing with general litigation and conveyancing matters.

To explore and progress in the insurance industry, Raymond Leong started his adjusting career with Mestari Adjuster Sdn Bhd and was part of the Non-Motor department in year 2020. Throughout his career in adjusting, he was exposed to a wide array of Third Party Property Damage and Third Party Bodily Injury claims and/or losses.

In view of the legal and adjusting experience, Raymond Leong joined Malayan Adjustment Company Sdn Bhd in Non-Motor, Liability team in year 2021

Manmeet Kaur Sandhu (Manager – Motor Department – [HQ])

LL.B (Hons), CLP

Rising from strength to strength, Manmeet graduated from the University of London’s LL.B programme, and on her return to Malaysia, set up her own law practise. Opportunity then knocked on her door in the form of an offer as Assistant Manager with Malayan Adjustment Company (MAC).

Joining MAC paved the way for her expertise and talent to be demonstrated, and shortly thereafter, in recognition of her abilities, she was promoted to Manager – Motor Department.

Ho Koi Yen (Manager OD Department)

Ho started his insurance industry career in 2007 with International Loss Adjuster Firm as a Motor Own Damage adjuster. During his 11 years tenure Ho performed well and was promoted to Senior Adjuster and subsequently to be an Assistant Manager in the Motor OD department.

In 2018, Ho embarked on a new phase in his career by joining an insurance company, assuming the role of Claims Examiner in the Motor Claims Department for a tenure of two years. During this period, he honed his skills and amassed considerable expertise in overseeing various facets of Motor Own Damage (OD) and OD-KFK claims processes, thereby enhancing his proficiency in the intricate realm of insurance claims management. This invaluable experience significantly contributed to his comprehensive understanding of the industry, solidifying his capabilities to adeptly handle diverse claims scenarios.

Subsequently, in 2020, Ho made a strategic move to a distinguished international insurance company. Undertaking the role of Claims Assessor within the Motor Claims Department, Ho was entrusted with the pivotal responsibility of conducting thorough assessments across a diverse spectrum of claims segments. His demonstrated proficiency extended to overseeing Motor Own Damage (OD) claims, OD-KFK claims, desktop claims, Third Party claims, and Third Party-Knock for Knock (KfK) claims. Navigating these varied claim types demanded meticulous attention to detail and a nuanced understanding of the associated complexities, further solidifying his reputation as a seasoned professional in the field of insurance claims assessment.

Nursyafiqah Ibrahim (Assistant Manager – Motor Department – [HQ])

LL.B (Hons)

Nursyafiqah graduated from Universiti Sultan Zainal Abidin with a Bachelor of Laws LLB. (Hons) and was admitted as an Advocate and Solicitor of the High Court of Malaya in 2019. She has an extensive experience mainly in criminal litigation, accident matters and she was the leading Counsel to assist clients in personal injury claims for accident matters. She was presented with an opportunity to join MAC specializing in the out of court settlement of Third Party Bodily Injuries with the Third Party Solicitors.

She displayed good negotiating skill with an exquisite team work in the Settlement Team and shortly, her abilities were recognized and was promoted to Assistant Manager under the Motor Department.

Wilco Chan (Branch Manager – Penang)

B. Business Studies

Wilco Chan graduated with a Bachelor in Business Studies from Massey University in Wellington, New Zealand.

He started his career in adjusting since June 2016 in Malayan Adjustment Company Sdn Bhd. During the 5 years tenure, he was well trained and gain experiences and exposures on Non-Motor claims in various classes including Fire & Perils, Burglary, Contractor All Risks, etc.

He also lead a team and participated in catastrophe losses such as Penang flood in year 2017 and East Coast flood in year 2021.

Having acquired the experience and knowledge in handling non-motor claims, he was promoted as a Branch Manager covering and also oversees the operation of the Penang and Northern Region in Peninsular Malaysia

Muhammad Hilmi Bin Abdul Zakariah Manager – (Motor Department [Penang Branch])

B.Tech. (Hons) In Mechanical (Automotive)

Muhammad Hilmi Bin Abdul Zakariah graduated with B.Tech. (Hons) In Mechanical (Automotive) degree from University Kuala Lumpur (MSI) in year 2015.

He started his career as a loss adjuster when he joined Maphilindo International Sdn Bhd in 2015. The investigation of motor insurance claims was then under his supervision.

Due to his experience in adjusting, he joined Malayan Adjustment Company Sdn Bhd in motor investigation in 2018 and was stationed in the Penang Branch. In the course of his employment as an adjuster, he came across a wide range of Third Party Property Damage, Third Party Bodily Injury, and Motor Theft cases.

He was in charge of overseeing the motor department Penang branch, which required him to analyse motor investigation reports in addition to monitoring compliance, performance, and assignments to ensure delivery.

Lawrence Sim (Branch Manager – Kuching)

ANZIIF (Snr Assoc) CIP, ACIArb

Lawrence embarked on his loss adjusting career in 1989 with an international firm as a new recruit in their Kuching, East Malaysian office.

In view of the nature of East Malaysia market he acquired a broad technical base and handled a wide spectrum of both motor & non-motor claims. Rising through rank-and-file he was subsequently seconded to their KL HQ in 1996 and obtained his professional loss adjusting qualification in 2001 with ANZIIF. With constant self-upgrading in insurance and loss adjusting aspects, same time getting involved in conducting CPD trainings for corporate clients, insurers, brokers & agents he was elevated to ANZIIF Senior Associate with CIP status in 2009. In the same year he also qualified as an associate with the Chartered Institute of Arbitrators, UK.

His past exposure and involvement in overseas catastrophic losses in the Caribbeans in year 2004 (big scale hurricane damages) & Brisbane, Australia (massive floods) in 2011 coupled with three decades of loss adjusting experience makes Lawrence an all-rounder in handling insurance classes ranging from motor, property, liability, engineering, financial to marine losses. He also occasionally conducts Risk Assessment & Dilapidation surveys.

Fabian Augustine (Manager – Kuching)

B. Degree in Business Admin  (Ins)

Graduating with an Honours Degree In Business Administration majoring in Insurance from University Teknologi Mara (UiTM), Shah Alam,

Fabian’s first foray into the world of Insurance was when he joined Mestari Adjusters Sdn. Bhd, Miri branch, as a Loss Adjuster. Seeking to further deepen his interest, knowledge and expertise in Insurance, Fabian joined RHB Insurance as the Agency Development Executive, tasked to develop, market and recruit agents.
Subsequently in November 2017, Fabian left, and joined Malayan Adjustment Company Sdn. Bhd. as a Loss Adjuster, handling various motor and non-motor claims at their branch office in Kuching, Sarawak.

Ng Chee Hong (Manager – Non Motor)

BBA (Hons) , DMII , SnrAMII,

Chee Hong graduated from Universiti Tunku Abdul Rahman (UTAR) with a degree of Bachelor of Business Administration (Hons) Banking And Finance in year 2013. During his college life, he attained the Pre-Contract Examination for Insurance Agents (PCEIA) and Certificate Examination in Investment-Linked Life Insurance (CEILLI), thereafter expressed his interest to join one multinational life insurance company as an insurance agent. He was successfully achieved several major rewards including Supremacy Award (Elite), Great Master Leo, Great Smart Leo and Champion 2013 Insurance Rookie Agent (Batu Pahat, Johor) in year 2013.

Having introduced by a few clients and university course mate / close friend on loss adjusting profession and understand this profession is challenging, Chee Hong then further explored it for career development and embarked his career in loss adjusting in year 2014. Since then, has joined several international and local adjusting firms in Penang, Malacca and Johor Bahru where he gained vast experiences in various classes including Property & Casualty, Burglary, Engineering, Fidelity Guarantee, Contractors All Risks etc. where the losses were in the region from RM100 to RM12 million. He also occasionally conducted Jeweller Block Risk Assessment and dilapidation survey.

Chee Hong also participated in catastrophe losses such as East Coast flood in year 2014, Penang flood in year 2017 and Southern Johor flood in year 2023. He was the key representative for Johor Bahru branch of an international loss adjusting firm for about 3 years before joining Malayan Adjustment Company Sdn Bhd in Non-Motor department, Johor Bahru Branch as Manager (Non-Motor) in year 2024.

Darrell Junior Ho (Branch Manager [Kota Kinabalu])

B. Sc (Hons)

Graduated with a Bachelor’s Degree from University Malaysia Sabah, Kota Kinabalu, Darrell first started as a Trainee Junior Adjuster in Crawford and Company Adjuster (M) Sdn Bhd, Kota Kinabalu in 2013.

During the 6 years tenure, he was involved in major losses especially under Fire, Fidelity Guarantee, Contractor’s All Risk, Public Liability, GIT and Marine Cargo.

He was also among the team of adjusters sent to Penang to handle the catastrophic flood loss claim in 2017 and possess experience in handling claims for the Rapid Petronas Project at Pengerang, Johor.

Darrell was also involved in personal accidents and property damage claims for the June 5, 2015 earthquake in Ranau, Sabah.

In the year 2016 to 2017 was a bad year in Sandakan, Sabah whereby more than 10 supermarkets were involved with fire losses which he had handled around 80% of all the supermarkets fire claims.

He joined Malayan Adjustment Company Sdn Bhd as an Assistant Manager in January 2020 and is currently heading the Kota Kinabalu branch.

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