2021 Speakers

LEE Khang Nie is the Head of Non Financial Risk Management for Asia Pacific (APAC). She is additionally the Chief Risk Officer for Credit Suisse AG Singapore Branch.
She has over 20 years of Financial Services experience in risk, audit and consulting.
She is a Singapore Chartered Accountant and holds a 1st Class Honours degree in Accountancy from Nanyang Technological University.
 

WORK Experience

Nomura International (Hong Kong) Limited, Hong Kong

Global Head of Operational Risk, Asia-ex-Japan, 2019 – present

• Oversee and manage the implementation of Nomura’s global Operational Risk Framework.
• Manage a global team of 50 globally.
• Develop the firm’s risk appetite.
• Report to the Nomura Board top and emerging risks.

Head of Operational Risk Management, Asia ex-Japan, 2015 – present

• Oversee and manage the implementation of Nomura’s global Operational Risk Framework in Asia-ex Japan.  The Operational Risk Management framework covers regional Wholesale, Wealth, Retail Brokerage and Asset Management businesses in over 8 countries.
• Manage team of 7.
• Provide senior management with overview of the Operational Risk profile for AEJ, highlighting top operational risks and emerging risk.  Developed new methodology for identifying and reporting on Top Risk for the region that has improved regional management engagement.
• Face-off to the firm’s regulators including HK SFC, Singapore MAS as well as regulators in branch countries (India, Korea, Taiwan, Malaysia, Australia, and Thailand).  Provide details on the firm’s operational risk profile and assurance around robustness of the operational risk framework.
• Oversee and participate in high profile internal investigations as member of the Internal Investigation Committee.  Conduct forensic deep-dives and interviews on varied cases such as potential fraud, whistle blowing, client complaints and market abuse.
• Lead global projects on Key Risk Indicators, Risk Taxonomy and Control Framework.

Head of New Business, Asia ex-Japan, 2018 - present

• Oversee and manage the implementation of Nomura’s New Business Approval framework in Asia ex-Japan.  This includes the new product approval, significant transaction approval and reputational risk committees.
• Manage team of 6 (4 Vice-Presidents and 2 Associates).
• New Business Group ensures appropriate control, governance and challenge around new business initiatives.  Team reviews feasibility of new product and transactions proposals, challenges front office around key risks and mitigants, financial resource usage, reputational risk and quality of due diligence.
• Face-off to heads of business to challenge around key strategic risk and due diligence issues.
• Manage development of Approved Product List for internal and regulatory use.

Chief Administrative Officer Risk Management, Asia ex-Japan, 2015 – present

• Co-ordinate and manage annual budget submissions and investment plans and monitor spend against budget.  Identify areas of cost savings.
• Manage team of 2 (1 Executive Director and 1 Associate).
• Prepare presentations for AEJ CRO for bi-annual town hall meetings, regulatory interactions and executive management presentations. 
• Oversee key change projects, FinTech initiatives and remediation of control issues.

Nomura International plc, London, UK

Global New Business Division COO, 2012 – 2014

• Drafted the Group New Business Approval Policy covering Wholesale, Asset Management and Retail Divisions by working with group company executives such as Global CFO, CLO, CRO and business division management.   The policy was approved by the group Board and was the first group wide policy for new business approval for the firm.
• Developed a new product and complex transaction approval process for the Global Wholesale business by working with business leadership in Global Markets and Investment Banking.  Created procedures, led IT development of a workflow tool and an approved product database and developed global training.  Resulted in a globally consistent approach to new product approval and increased efficiency in approval of cross-border business.

EMEA Head of New Business, 2011 – 2014

• Implemented new product and transaction approval in the EMEA business by managing a team of 7 (1 ED, 3 VPs, 3 Associates).  Improved efficiency and control around the approval processes by documenting procedures and reducing bureaucracy as measured by improved turn-around times, positive feedback from business lines and reduction in operational risk events or errors as a result of new product launches.
• Led interaction with and managed regulatory audits conducted by Bank of England (PRA), UK Financial Conduct Authority, Bank of Japan and JFSA.  Successfully provided assurance to regulators of the robustness of new product approval process as measured by limited remediation points during a period when regulators were requesting external audits on all focus areas.
• Improved oversight of risk and returns of new and complex products by developing product back-testing, whereby revenue generated by products were assessed after one year.  Presented findings to regional Board and business leadership, resulting in certain non-performing businesses lines being discontinued or altered.  As a result, management was provided assurance that business lines were accountable for introducing new products, processes and operational risks to the firm. 

Senior Risk Manager, Operational Risk Management, 2009 – 2011

• Implemented the Operational Risk Framework in Global Markets and Investment Banking following acquisition of Lehman Brothers EMEA business. Worked with business line COOs and managed operational risk team of 3 individuals to develop the risk and control self-assessments by desk, implement key risk indicators and operational risk event investigation and reporting.  Operational Risk Framework was rolled-out to the businesses lines within 6 months of integration. 
• Initiated and developed reporting for monthly risk and control meetings by regional business line which reviewed the operational risk profile front to back with representatives from all corporate departments, resulting in improved ownership of operational risk.  Expanded regional meetings to global product lines by working with Global Heads of Trading and corporate departments, coordinating with regional ORM and developing a cross-regional aggregated risk profile.  Meetings were led by head of business, demonstrating ownership of Operational Risk by first line of defense.
• Created front-to-back trade process maps by aggregating information between IT, Operations, and trading.  Documented key controls and manual processes, which provided senior management with detailed view on infrastructure requirements.

Deloitte & Touche, London, UK

Manager, Financial Services Advisory, 2006 - 2009             

• Advised clients on implementation of credit, market and operational risk management frameworks; advised clients on implementation of Basel II and CRD requirements.  Clients included leading universal banks, investment banks, asset managers, hedge funds and regulators.  
• Advised on the integration of the operational risk management function with corporate security and technology risk for a leading European universal bank. Assisted in integrating Sarbanes-Oxley procedures into operational risk functions.  
• Developed credit risk policies and procedures for a US bank starting a new deposit taking and lending institution in the UK.
• Project managed implementation of transaction reporting tool for a leading Swiss investment bank.
• Assisted a European brokerage in developing counterparty, operational and credit risk management around its margin lending business.
• Developed and implemented the internal capital adequacy assessment process (ICAAP) for more than 10 banks, investment managers, securities brokers and asset managers.
• Developed a post-merger target operating model and project plan for the integration of global Compliance functions of two leading banking groups.
• Clients included UBS, Lloyds, ING, Barclays, RBS and various investment managers.

Export-Import Bank of the United States, Washington, DC, USA

International Business Development Office, 2002 - 2004                                                    

• Conducted marketing and sales activities to increase Ex-Im Bank financing in southeast Europe.  Oversaw an increase in business activity by 90% and 75% in 2002 and 2003, year on year.
• Arranged and structured and trade finance with banks, private companies, and governments.  Arranged balance sheet loans, letters of credit, secured lending, and project financing.

• Analyzed financial statements and cash flow projections to determine creditworthiness of counterparties and projects.
• Organized and implemented various marketing events, including Ex-Im Bank’s “Southeast and Central Europe Regional Conference” in Bled, Slovenia, which drew 250 attendees from regional governments, central banks, businesses and financial institutions.

Jemy is the Head of Market, Balance Sheet and Operational Risk of Bank UOB Indonesia and responsible for market, balance sheet, operational risk (including fraud and technology risks), and enterprise risk units. Jemy has more than 20 years of experience in the banking and held roles across risk management and internal audit at some of Indonesian large banks, including BCA, Danamon, CIMB Niaga, and Maybank Indonesia.

Reza is Chief Risk Officer of Sinar Mas Land based in Jakarta, Indonesia. He is responsible for enterprise-wide, ESG risk management implementation, and coordinates the development of the company's sustainability strategy and program. As a former Director of Big Four Accounting & Advisory Firm, Reza has more than 10 years of experience assisting Banking, Oil & Gas, and Telecommunication clients in Indonesia and the Middle East in the area of risk governance, operational and market risk management.

As HSBC’s Head of Geopolitical Risk for Asia-Pacific, Michael provides advice to senior stakeholders on issues affecting HSBC’s interests across the Asia-Pacific. He joined HSBC in 2015 as the Regional Head of Strategic Analysis within the bank’s Financial Crime Risk function, where he led a team focussing on countering the threat of sanctions evasion, terrorism financing and money laundering.
Prior to joining HSBC, Michael worked as an intelligence analyst and policy officer for the Australian Department of Defence and Department of Foreign Affairs and Trade. During this time he provided strategic and operational risk assessments to senior Australian government and military officials on a variety of topics, and deployed as an advisor to NATO Headquarters in Afghanistan in 2012. Michael also lectured, tutored and published in international relations and United States foreign policy at the Australian National University.
Michael holds degrees in International Relations and Asian Studies from the Australian National University. He is a Mandarin linguist, and has graduated from the Beijing Foreign Studies University and the People’s Liberation Army University of Foreign Languages.

An internationally recognized financial services expert, Soon Kit offers deep and wide experience accumulated over 15 years in the financial services sector. Bringing a global perspective enriched with grounded experience, he is currently Enterprise Resilience Officer at BNY Mellon assuring the firm broad business and operational resilience across multiple lines of business.
 
Prior to this, he was Risk Vice President of Fullerton Fund Management and Wolters Kluwer’s Asia-Pacific Risk Practice Director guiding regional risk and financial practices for its software clients. At OCBC Bank Group, Soon Kit was managing the risk of Global Treasury, Investment Banking, OCBC Securities and Bank of Singapore. He complements his expertise with international advisory experience garnered at financial software firm Misys / Finastra where he led the risk management teams to solve broader subjects of banking risk with financial firms, banks, regulators in Europe and Asia. Prior to this, Soon Kit provided consulting at Moody’s Analytics.
 
Recognized for his practical expertise by regional banking conferences and professional media, Soon Kit has contributed many live and case interviews to breaking news developments and industry best practice conferences. 

Graduating with honors in Quantitative Finance from the National University of Singapore, he is also a certified Anti-Money Laundering Specialist and an Energy Risk Professional.
 

Urban is a Swiss national, born in Basel/Switzerland. After graduating from Basel University with a degree in law, he started his banking career as a trainee with Swiss Bank Corp (SBC) in Basel in 1986. Following various assignments in Basel and Geneva in different areas of credit risk, he became Regional Head of Credit Risk Control for Private Banking in Geneva. Following the merger of SBC with UBS, Urban was appointed Regional Head of Credit Risk Control in New York for Private Banking Americas in 2000 and in Singapore 2005 for Wealth Management APAC. After a “gap year” with UBS in Switzerland in 2009, he joined Barclays in 2010 are Regional Chief Risk Officer for Barclays Wealth Asia again based in Singapore covering credit risk, operational risk and governance. Following the sale of Barclays’s Wealth business in 2016, Urban was recruited as Regional Chief Risk Officer for EFG Bank in Singapore in 2017 covering credit, operational and market risk.

Ivan is the Head of Risk Management, Singapore Pools and is responsible for the Enterprise Risk Management, Business Continuity, Crisis Management and Operational Risks programmes, including Control Self-Assessment ("CSA"), data protection and privacy as well as anti-money laundering/countering financing of terrorism. Ivan is passionate about Sustainability and has also been in charge of Sustainability Reporting in line with the Global Reporting Initiative (“GRI”) standards in his previous roles. Ivan has close to 15 years of experience in Risk and Compliance and holds industry certifications of Certified Anti-Money Laundering Specialist (“CAMS”), Governance, Risk & Compliance Professional (“GRCP”), Project Management Professional (“PMP”) and Practitioner Certificate in Personal Data Protection. 

Parag Deodhar is the Director of Information Security for APAC at VF Corporation and is based in Hong Kong. Parag is a Chartered Accountant, Certified Information Systems Auditor from ISACA, US and Certified Fraud Examiner from ACFE, US. 

Parag has over 20 years’ experience in Enterprise Risk Management, specializing in Operational Risk, Cyber Security and Fraud Risk Management. He has worked in leadership roles with multinational companies like AXA Group, KPMG, Deutsche Bank and Mahindra-British Telecom.

Military (operations and general staff), diplomatic service and intelligence background.
Solid experience in Asian affairs (strategic analysis, risk / vulnerability assessment, and risk prevention) based upon successive positions in diplomatic service and private sector for 20+ years.
Expert in crisis management and business continuity (training, coaching, decision making in hostile situation).
 

Currently diving into the frontier market of South East Asia, Myanmar, as the Chief Risk Officer of Get All, a Fintech company active in bringing about financial and social inclusion through technology. Having worked as a Risk Advisory Consultant previously, Sheriel was privileged to provide consultancy and assurance services to organisations in both public and private sectors across industries such as healthcare, education, real estate, energy and media. 

An internationally recognized financial services expert, Soon Kit offers deep and wide experience accumulated over 15 years in the financial services sector. Bringing a global perspective enriched with grounded experience, he is currently Enterprise Resilience Officer at BNY Mellon assuring the firm broad business and operational resilience across multiple lines of business.

Prior to this, he was Risk Vice President of Fullerton Fund Management and Wolters Kluwer’s Asia-Pacific Risk Practice Director guiding regional risk and financial practices for its software clients. At OCBC Bank Group, Soon Kit was managing the risk of Global Treasury, Investment Banking, OCBC Securities and Bank of Singapore. He complements his expertise with international advisory experience garnered at financial software firm Misys / Finastra where he led the risk management teams to solve broader subjects of banking risk with financial firms, banks, regulators in Europe and Asia. Prior to this, Soon Kit provided consulting at Moody’s Analytics.

Recognized for his practical expertise by regional banking conferences and professional media, Soon Kit has contributed many live and case interviews to breaking news developments and industry best practice conferences. 

Graduating with honors in Quantitative Finance from the National University of Singapore, he is also a certified Anti-Money Laundering Specialist and an Energy Risk Professional.

Vishal Mehta, based in Singapore, is Heineken’s Head of Global Audit for Asia Pacific. He has deep expertise in audit and risk management in the consumer goods and life sciences sectors. In his career spanning 3 decades he has focused on maximizing the effectiveness of assurance provided by corporate audit and strengthening the second and third lines of defense within organizations.

“The vantage point provided by audit (or risk) helps me connect the dots for my stakeholders and thereby enable impactful remediation of processes and controls. And the access to different people and processes that comes with the job energizes my day.”

Before joining Heineken, Vishal most recently held the roles of Regional Head of Audit and Director Strategic Risk Management for General Motors’ International Operations. Prior to that he was a Director at KPMG US and Partner at KPMG India providing clients in the pharmaceutical, consumer and industrial goods, and insurance sectors internal audit, risk, and compliance services. Vishal began his career at Arthur Andersen in the audit and business consulting group in India.

Vishal has a Bachelor of Commerce with honors from the Shri Ram College of Commerce of Delhi University and is a Chartered Accountant at the Institute of Chartered Accountants of India. He is also a Certified Public Accountant and Certified Internal Auditor. Vishal is passionate about films (the craft) and enjoys cooking his childhood favorites for his family, as well as swimming and watching films with his daughters.

Raghu is the Global Head of Internal Audit and Enterprise Risk functions at Tata Consumer Products Group, with significant presence in Tea, Coffee, Waters and food categories.

He is the former Head of Internal Audit Services of JAPFA Ltd, a Agri-food major listed in Singapore stock exchange with over USD 5 billion in net revenues. Its largest subsidiary is listed in the Jakarta stock exchange.  

Prior to his stint with JAPFA, he was with Danone Risk, Controls & IA (>USD 25 billion in net sales) managing the Singapore IA department (“world class” European IA federation), that covered 50 countries, in foods, beverages & medical nutrition (pharma) businesses. He later became the Head of Business Finance of Baby Nutrition operations of Singapore & a part of Indonesia. During his 5 year tenure, he transformed a regional audit team, to a global hub. His responsibilities included Internal Audits, DANgo engagements, and transversal projects: business acquisitions, anti-fraud and SAP related.

He was with Delphi Corp. (former General Motors ACG) for 6 years in various senior roles in Asia Pacific Internal Audit and Finance Shared Services transformation. Living in Singapore and Tokyo, he developed the IA team for 11 countries, implemented the Enterprise Risk Management framework, and special finance transformation projects for Chapter 11 bankruptcy.

He joined Delphi, from Ernst & Young, where he specialized in automotive industry.

Raghu is firmly rooted in the Asian context, but has a global working experience across 5 continents. He continues to position the IA function for a sustainable business growth.

He is a Chartered Accountant (India), Certified Information Systems Auditor (ISACA USA), Certified Fraud Examiner (ACFE USA), Certified Risk Management Assurer (IIA USA) & holds a Bachelors in Commerce.

Edmund is an experienced Risk and Technology professional in the financial and technology industries. At The Association of Banks in Singapore (ABS), he oversees the Technology and Operational Resilience initiatives. Prior to joining ABS, he worked at institutions in the private and public sectors, including Deutsche Bank, UOB, Monetary Authority of Singapore and Infocomm Development Authority of Singapore. He holds an MBA (Distinction) from the University of Manchester and a BEng (First Class) from the Nanyang Technological University.

Jessica Bartlett is the Director of Financial Crime Legal – APAC at Barclays and is based in Hong Kong.  Jessica advises compliance and legal teams, business lines and senior management across the APAC region on financial crime issues including economic sanctions, export controls, anti-money laundering, fraud, and anti-corruption.   

Jessica relocated from New York to Hong Kong in 2015.  Before joining Barclays in 2018, Jessica was an associate with Shearman & Sterling LLP and Freshfields Bruckhaus Deringer.  Jessica clerked for the Honorable Sidney H. Stein, District Judge for the Southern District of New York.  Jessica holds a Juris Doctor from the University of Illinois, Master of Arts in Philosophy from Brandeis University, and two Bachelors of Arts degrees in Art History and Political Science from Southern Methodist University.  Jessica is Chairman of the Board of Governors for the American Chamber of Commerce Hong Kong. 

Kevin Greenfield is the Deputy Comptroller for Operational Risk at the Office of the Comptroller of the Currency (OCC).

In this role, Mr. Greenfield oversees development of policy and examination procedures addressing operational risk, bank information technology, cybersecurity, critical infrastructure resilience, payments systems, and corporate and risk governance. He assumed these responsibilities in November 2019.

Prior to this role, Mr. Greenfield served as the Director for Bank Information Technology for the Operational Risk Division where he managed a team responsible for developing, communicating, and interpreting policies for the OCC's supervision of technology operations at financial institutions. He represented the OCC on several interagency groups that focus on coordination and development of information technology risk management supervisory guidance for such topics as information security, resiliency, technology operations, corporate governance, and independent risk management.

Prior to being named Director for Bank Information Technology in 2014, Mr. Greenfield spent 14 years with the OCC's Large Bank Supervision Department, where he gained experience examining large and complex technology operations at several of the largest U.S. financial institutions. In this role, he held various technology supervision roles at large financial institutions based in Pittsburgh, Charlotte, and New York City.

Mr. Greenfield is a graduate of the University of Dayton and holds the Certified Information Systems Auditor professional certification.

Tom Osborn is the desk editor of Risk.net’s risk management coverage. Prior to joining Risk, he reported on the futures and foreign exchange industries for Dow Jones' Financial News and the Euromoney group of publications. Tom holds a bachelor’s degree in English literature from the University of Warwick, UK.

Dr Cynthia Roberts is a risk professional in the health industry. She attained her PhD in genetics at Sydney University (Australia) , undertook risk management certification at the University of New South Wales (Australia) and is also certified with the Business Continuity Institute and SAI global as a lead auditor (ISO 13485). Cynthia has worked with Genea Pty Ltd (IVF clinic, IVF products and genetic testing) for 25 years, firstly as the Director of Genetic Testing and for the last 13 years as the Chief Risk Officer. She was instrumental in coordinating the enterprise risk management system for the company and implementation of the risk management software system. She worked with the executive and Board to develop the risk appetite policy and with departmental leaders to set the associated business measures. After training with the Business Continuity Institute, she developed the Company business continuity plan, which was of critical importance when the head office was severely damaged by fire in 2016. Day to day, her responsibilities also included compliance. licensing and accreditation requirements for the administration of IVF clinics and pathology testing in Australia and New Zealand.

Ronaldo Francisco B. Peralta, holds the position of Senior Vice President and Chief Risk Officer at Union Bank of the Philippines. He started his banking career with Citibank, N.A. (Manila, Philippines), holding various positions in Correspondent Banking, Operations, Financial Control, Credit Risk and Relationship Management, with his last role being the Chief of Staff of the Citi Country Head. He joined the Australia and New Zealand Banking Group Limited, taking on a number of Wholesale Credit Risk roles, across Melbourne, Hong Kong and Manila. Prior to Union Bank, he was with the Corporate Banking Group of the Bank of the Philippine Islands.  

Ronaldo graduated with a Bachelor of Science in Business Administration from the University of the Philippines, Diliman, Quezon City and obtained his MBA from the Wharton School, University of Pennsylvania, Philadelphia.  

Ulrich Volz is Director of the Centre for Sustainable Finance and Reader in Economics at SOAS, University of London. He is also a Senior Research Fellow at the German Development Institute and Honorary Professor of Economics at the University of Leipzig. Ulrich is a director of the Global Research Alliance for Sustainable Finance and Investment and serves on the advisory board of the International Sustainable Finance Centre. He previously served on the advisory council of the Asian Development Bank Institute. Ulrich is a lead author of a new study on Climate Change and Sovereign Risk and a 2018 UN report on Climate Change and the Cost of Capital in Developing Countries. He is a co-editor of a recently published NGFS volume on Case Studies of Environmental Risk Analysis Methodologies and the Routledge Handbook of Banking and Finance in Asia. Ulrich was Banque de France Chair at EHESS in Paris and taught at Peking University, Kobe University, the Hertie School of Governance, Freie Universität Berlin, the Central University of Finance and Economics in Beijing, and the Institute of Developing Economies (IDE-JETRO) in Tokyo. He spent stints working at the European Central Bank (ECB) and the European Bank for Reconstruction and Development and held visiting positions at the University of Oxford, the University of Birmingham, the ECB, Bank Indonesia, and Aoyama Gakuin University in Tokyo. He holds a PhD from Freie Universität Berlin and was a Fox International Fellow and Max Kade Scholar at Yale University. Ulrich was part of the UN Inquiry into the Design of a Sustainable Financial System and has acted as an advisor to several governments, central banks, international organisations, and development agencies on matters of sustainable finance and development.

Dominic Wu is the Director, Senior Risk Manager with BNY Mellon for APAC. He has 20+ years of experience in banking, securities, assets management and consultancy. Dominic is a qualified accountant, fraud examiner and professional risk manager and did his MBA from University of Hull, UK. He is sought out speaker in risk management and provides training to the regulators, universities, financial institutions and professional bodies. He is the Founding Chairman of the Hong Kong Chapter of the Institute of Operational Risk (IOR) and Asia Financial Risk Think Tank.

Aravind joined MetricStream in January 2021 as Senior Vice President & Managing Director of Asia Pacific as part of the company’s growth strategy for the region.​

For more than 20 years, Aravind has held multiple senior technology roles with a focus on Asia Pacific and Japan. He spent more than ten years living in Japan and has worked in multiple countries across the region including Australia, South East Asia, Greater China, and India.​

Prior to MetricStream, Aravind held senior roles at Accenture, HP, and DXC Technology. Most recently he was the Managing Sales Director - AAPAC for Cloud & Intelligent Operations for Accenture Technology enabling clients to leverage Technology with a Cloud-First Approach and unlocking the value of the Cloud. This included managing the complex transition to Cloud and New IT infrastructure. ​

Aravind holds an Executive General Management Degree from the Indian Institute of Management Bangalore and a Masters in Sociology focused on cultural and social change, racial and ethnic diversity, and social inequality.

Will is the Head of Fraud for HSBC’s Retail Bank in Asia. He has over 15 years in Digital, technology delivery, risk and fraud. He has previously worked at Lloyds Banking Group and the Financial Ombudsman Service. His diverse career started in the computer games industry testing a computer games called Championship Manager.

Fiorelle has over 15+ industry experience across a number of commercial and risk roles, including 9 years in the financial industry based in Singapore. She has held roles such as APAC Head of Procurement and Vendor Management and most recently was Head of Third Party Risk Management at Goldman Sachs, with responsibility of the strategic oversight of the APAC Third Party Risk Management (TPRM) program including the close oversight of critical / high risk vendors vendors and oversight of risk and control frameworks. 

Fiorelle is a client focused global and regional Commercial and Risk Management subject matter expert with experience spanning across Australia, Asia Pacific and Europe, with expertise in Regulatory TPRM Compliance and Control, Process Improvement and Change Management, Strategic Planning and Execution, Procurement and Cost Reduction, Risk Mitigation and Ongoing Risk Management, Staff Training and Development, Team Building and Leadership.  

Fiorelle is a member of various women's associations in Singapore and previously held the role of the Co-Head of the Singapore Women's Network at Goldman Sachs. She is also a member of multiple industry forums including an active member of a Singapore CPO round table forum. In her spare time, Fiorelle enjoys being active in the outdoors including cycling and stand-up paddle boarding, she enjoys cooking and spending time with her husband, two sons and dog.

Jyotinder Kaur is Executive Director in the Country Risk Management group at JPMorgan Chase & Co. She relocated from India to Hong Kong to join the country risk team in December, 2015 and oversees sovereign risk analysis and country risk management for Greater China. She also has previous experience covering Japan, South Asia and ASEAN. Prior to this she was the Principal Economist of HDFC Bank, India’s largest private sector bank, where she was a part of the treasury economics research team. Jyotinder has close to fifteen years of experience as an Economist with a Masters in Economic Policy Management from Columbia University, New York and a Masters in Economics from Delhi School of Economics, University of Delhi. Her areas of expertise include geopolitics and crisis preparedness, macro-financial linkages and financial crises.