• IAPP AIGP, AI Governance Professional (2026).
• IAPP CIPP/A, Certified Information Privacy Professional/Asia (2026).
• IAPP FIP, Fellow of Information Privacy (2026).
• CFA charterholder (2012).

Education

• MBA, University of Oxford Saïd Business School (2015).
• Bachelor of Business, NTU (2009).

I am a former President of the Society of Financial Services Professionals, Singapore Chapter.

I am Chief Product Officer at a digital-health company, leading a product, engineering, design, data and delivery organisation of more than 20 people. I lead its enterprise AI programme and personally design and build agent skills and workflows.

That work includes issuing mandatory AI operating controls: approved environments, sensitive data rules, read-only infrastructure connectors, human execution and live maker-checker review. I have set approval gates for configuration changes, agent access and protected workflows.

One example is a courier-order workflow. I specified a human approval gate before an agent could confirm an order, with an audit trail for write actions. The question was not just whether the agent could complete the task, but whether it should have permission to commit the business.

I lead ISO/IEC 42001 readiness work covering risk and impact assessments, system inventories, lifecycle controls and audit evidence. I also led the company's first ISO 27001 certification with in-house preparation, and directed insurer security-assurance and remediation work.

I'm a former Group Data Protection Officer, and in that role I reviewed third-party processing and data integrations.

In one transfer review, I withheld approval until contractual, consent, encryption, access-control and breach-notification safeguards were in place. A checklist is useful only if someone is prepared to stop the transfer when the answers are not good enough.

That was an appointed role. My service here is different: you appoint your own DPO, and I support them.

GeTS/CrimsonLogic · 2019–2022

As Senior Director, Fintech and Mass Market Growth, I owned fintech strategy and P&L. I led an ML-driven credit engine that cut default rates by more than 80%, and work that delivered 30% operational cost savings on the financing platform.

I led the GeTS/CrimsonLogic MAS Digital Wholesale Bank licence application within the Zall-Marubeni consortium, reaching final assessment. I received the individual Annual Crimson Hero Award in 2021.

Products I led won the RegTech Insight Awards APAC Best KYC Solution for Client Onboarding 2021 and Asia Risk Awards Best Technology of the Year 2021. These were product and team awards, not personal awards.

Razer · 2017–2019

As Global Product Development Lead for Singapore and Malaysia, I built Razer Pay and its regional product team from the ground up. Razer Pay reached more than 600,000 users within 12 months, integrating payments, wallet and loyalty.

I was appointed to the national SGQR and FAST non-bank payments standards committees.

UOB Group · 2016–2017

As VP Strategy, I carried out product and technical due diligence for fintech M&A and strategic investments.

Liquid Pay · 2015–2016

I worked as a Business Analyst.

Singapore Economic Development Board (EDB) · 2009–2014

I served as Assistant Head.

Governance lives in permissions, approvals and escalation routes, not only in the PDF. I want the person responsible for a decision to know what they are approving, what evidence they have and when to stop.

When you engage me, you work directly with me. I do not hand the work to junior staff. I personally review and sign off every deliverable.

AI helps with the draft. I own the sign-off.

I write Governed by Design on Substack in English, and also write in Chinese on Douban.