He graduated from the University of Bristol, UK with a Bachelor of Science (Hons) in Economics and Accounting, and obtained a Master of Arts (MA) in Finance and Management from the University of Exeter, UK. He continued his study at Malay College Kuala Kangsar and then studied A-Level at Sherborne School, Dorset, United Kingdom. Tengku Zafrul began his early education at Sri Petaling Primary School and Bukit Bintang Primary School. His mother, Raja Datuk Zaharaton Raja Zainal Abidin, is the former Director-General of the Economic Planning Unit (EPU) of the Prime Minister's Department of Malaysia and his father, Tengku Abdul Aziz Tengku Harris, is a businessman. Tengku Zafrul was born on 25 June 1973 and is the eldest of four siblings. He was also CEO and Executive Director of the CIMB Bank Berhad and President Commissioner of the PT Bank CIMB Niaga Tbk. Prior to his political appointments, he was the Chief Executive Officer (CEO) and Executive Director of the CIMB Group Holdings Berhad. He was also appointed a Senator since March 2020.

He served his first term from March 2020 to August 2021 as well as Coordinating Minister of the National Recovery Plan from July 2021 to August 2021 and in the Perikatan Nasional (PN) administration under former Prime Minister Muhyiddin Yassin. Tengku Zafrul bin Tengku Abdul Aziz (born 25 June 1973) is a Malaysian banker and investor who has served as Minister of Finance for the second term in the Barisan Nasional (BN) administration under Prime Minister Ismail Sabri Yaakob since August 2021. Master of Business Administration (Second time) Bachelor of Science in Economics and Accounting

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