9:05 am to 9:10 am SGT
Opening Address
Patrick Graeme-Baker
General Manager APAC, Transformative Media

Patrick Graeme-Baker is General Manager APAC at Transformative Media.
9:10 am to 9:20 am SGT
Chair’s Welcoming Remarks
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
9:20 am to 9:35 am SGT
Continuous Compliance: How Leading Financial Services Organisations are Shifting to Continuous Compliance Through Conversational Data and AI
- See how capturing conversations from any source – voice, video and chat – and transforming them into data can boost visibility and address compliance mandates in a work from anywhere world
- Learn how cutting edge conversational AI is enabling risk mitigation, proactive reporting, and compliance intelligence
- Discover how to reduce compliance operation costs and automate existing workflows
Andy Lark
Fintech Expert & Chief Customer Officer, Dubber

Former Chief Marketing & Digital Officer Commonwealth Bank, Advisor to leading financial institutions worldwide. Today Andy leads digital and marketing for Dubber, working with financial services institutions and regulators worldwide to drive continuous compliance through unified call recording and voice data.
9:35 am to 9:45 am SGT
Audience Q&A
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Andy Lark
Fintech Expert & Chief Customer Officer, Dubber

Former Chief Marketing & Digital Officer Commonwealth Bank, Advisor to leading financial institutions worldwide. Today Andy leads digital and marketing for Dubber, working with financial services institutions and regulators worldwide to drive continuous compliance through unified call recording and voice data.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Andy Lark
Fintech Expert & Chief Customer Officer, Dubber

Former Chief Marketing & Digital Officer Commonwealth Bank, Advisor to leading financial institutions worldwide. Today Andy leads digital and marketing for Dubber, working with financial services institutions and regulators worldwide to drive continuous compliance through unified call recording and voice data.
9:45 am to 10:15 am SGT
Panel Discussion Next - Gen Collaboration on FinCrime Intelligence and Data Sharing
- Understanding the obstacles, challenges and conflicting priorities in PPP
- Complementing centralized transaction analysis to effectively scale up and tackle the increasing scope and complexity of money laundering and terrorist financing
- Addressing the promise of preserving privacy in FinCrime data sharing
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Mel Georgie B. Racela
Executive Director, Anti-Money Laundering Council

Atty. Mel Georgie Racela is the Executive Director and head of the operational arm of the AMLC, executing the AMLC’s vision and ensuring sustainable reforms for the Secretariat, since 2017. Prior to this, he has been with the Bangko Sentral ng Pilipinas for 21 years, holding various positions in the areas of banking supervision, legal counselling, and litigation as well as financial investigation.
Atty. Racela contributed largely to legislative and regulatory framework developments, which filled critical gaps in the country’s anti-money laundering and counter-terrorism financing (AML/CTF) defense, such as Republic Act (RA) No.10927, known in local parlance as the casino law, and its Implementing Rules and Regulations; and RA No. 11479 or the Anti-Terrorism Act of 2020, to name a few.
Further, under his supervision were the approval of the Second National Risk Assessment Report, which evaluated the overall threat and effectiveness of the Philippines’ AML/CTF mechanisms; and the approval of Executive Order No. 68 series of 2018 by the President, which embodies the country’s National AML/CTF Strategy (NACS).
He obtained his Bachelor of Laws degree from San Beda College and his Accounting degree from De La Salle University. He also holds a Master of Laws degree in International Legal Studies from Georgetown University Law Center in Washington, DC, USA, where he graduated as a Dean’s Lister.
Avalon Ingram
Head, FCC & Data Experts APAC & MEIASC, SWIFT

Avalon is currently the Head of Financial Crime Compliance & Data Experts APAC & MEIASC having re-joined SWIFT in 2019. In this role she is responsible for the adoption of portfolio products across ASEAN as well as community enrichment through educational engagements. She has 7 years’ experience in financial crime compliance having started her career at Dow Jones providing AML, Sanctions and ABC solutions to sub-Saharan Africa. Avalon initially joined SWIFT in 2016 working in the UKI & Nordic markets.
In the years away from SWIFT, she joined a Regtech startup that focused on elements of AI and Natural Language Processing delivering a multisource KYC platform to the banking sector. Avalon also sits on the board of the Regtech sub-committee of the Singapore Fintech Association.
Muhammad Imran
Criminal Intelligence Officer, Financial CrimesUnit, INTERPOL

Imran is a member of the Financial CrimesUnit under INTERPOL’s Criminal Networks Sub-directorate. He is responsible for coordinating cases relating to financial crime investigations and asset recovery matters with INTERPOL’s member countries. He speaks at various international fora and collaborates closely with other international partners for projects in the field of financial crime.
Prior to his stint at INTERPOL, Imranhadmore than 10years’experiencewith the Singapore Police Force (SPF), particularly in the field of financial investigation and financial intelligence at the Commercial Affairs Department (CAD). He has taken on various postings at CAD, including with the Suspicious Transaction Reporting Office (the FinancialIntelligence Unit of Singapore), the International Cooperation Branch and the Inter-Agency Committee for the Financial Action Task Force’s Mutual Evaluation of Singapore. He was also appointed as a trainer with the Home Team School of Criminal Investigation.
Imran currently holds a bachelor’s degree of Business from the Nanyang Technological University and a Postgraduate Diploma in Anti-Money Laundering/Counter Financing Terrorism (AML/CFT) from the International Compliance Association(ICA).
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Mel Georgie B. Racela
Executive Director, Anti-Money Laundering Council

Atty. Mel Georgie Racela is the Executive Director and head of the operational arm of the AMLC, executing the AMLC’s vision and ensuring sustainable reforms for the Secretariat, since 2017. Prior to this, he has been with the Bangko Sentral ng Pilipinas for 21 years, holding various positions in the areas of banking supervision, legal counselling, and litigation as well as financial investigation.
Atty. Racela contributed largely to legislative and regulatory framework developments, which filled critical gaps in the country’s anti-money laundering and counter-terrorism financing (AML/CTF) defense, such as Republic Act (RA) No.10927, known in local parlance as the casino law, and its Implementing Rules and Regulations; and RA No. 11479 or the Anti-Terrorism Act of 2020, to name a few.
Further, under his supervision were the approval of the Second National Risk Assessment Report, which evaluated the overall threat and effectiveness of the Philippines’ AML/CTF mechanisms; and the approval of Executive Order No. 68 series of 2018 by the President, which embodies the country’s National AML/CTF Strategy (NACS).
He obtained his Bachelor of Laws degree from San Beda College and his Accounting degree from De La Salle University. He also holds a Master of Laws degree in International Legal Studies from Georgetown University Law Center in Washington, DC, USA, where he graduated as a Dean’s Lister.
Avalon Ingram
Head, FCC & Data Experts APAC & MEIASC, SWIFT

Avalon is currently the Head of Financial Crime Compliance & Data Experts APAC & MEIASC having re-joined SWIFT in 2019. In this role she is responsible for the adoption of portfolio products across ASEAN as well as community enrichment through educational engagements. She has 7 years’ experience in financial crime compliance having started her career at Dow Jones providing AML, Sanctions and ABC solutions to sub-Saharan Africa. Avalon initially joined SWIFT in 2016 working in the UKI & Nordic markets.
In the years away from SWIFT, she joined a Regtech startup that focused on elements of AI and Natural Language Processing delivering a multisource KYC platform to the banking sector. Avalon also sits on the board of the Regtech sub-committee of the Singapore Fintech Association.
Muhammad Imran
Criminal Intelligence Officer, Financial CrimesUnit, INTERPOL

Imran is a member of the Financial CrimesUnit under INTERPOL’s Criminal Networks Sub-directorate. He is responsible for coordinating cases relating to financial crime investigations and asset recovery matters with INTERPOL’s member countries. He speaks at various international fora and collaborates closely with other international partners for projects in the field of financial crime.
Prior to his stint at INTERPOL, Imranhadmore than 10years’experiencewith the Singapore Police Force (SPF), particularly in the field of financial investigation and financial intelligence at the Commercial Affairs Department (CAD). He has taken on various postings at CAD, including with the Suspicious Transaction Reporting Office (the FinancialIntelligence Unit of Singapore), the International Cooperation Branch and the Inter-Agency Committee for the Financial Action Task Force’s Mutual Evaluation of Singapore. He was also appointed as a trainer with the Home Team School of Criminal Investigation.
Imran currently holds a bachelor’s degree of Business from the Nanyang Technological University and a Postgraduate Diploma in Anti-Money Laundering/Counter Financing Terrorism (AML/CFT) from the International Compliance Association(ICA).
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Mel Georgie B. Racela
Executive Director, Anti-Money Laundering Council

Atty. Mel Georgie Racela is the Executive Director and head of the operational arm of the AMLC, executing the AMLC’s vision and ensuring sustainable reforms for the Secretariat, since 2017. Prior to this, he has been with the Bangko Sentral ng Pilipinas for 21 years, holding various positions in the areas of banking supervision, legal counselling, and litigation as well as financial investigation.
Atty. Racela contributed largely to legislative and regulatory framework developments, which filled critical gaps in the country’s anti-money laundering and counter-terrorism financing (AML/CTF) defense, such as Republic Act (RA) No.10927, known in local parlance as the casino law, and its Implementing Rules and Regulations; and RA No. 11479 or the Anti-Terrorism Act of 2020, to name a few.
Further, under his supervision were the approval of the Second National Risk Assessment Report, which evaluated the overall threat and effectiveness of the Philippines’ AML/CTF mechanisms; and the approval of Executive Order No. 68 series of 2018 by the President, which embodies the country’s National AML/CTF Strategy (NACS).
He obtained his Bachelor of Laws degree from San Beda College and his Accounting degree from De La Salle University. He also holds a Master of Laws degree in International Legal Studies from Georgetown University Law Center in Washington, DC, USA, where he graduated as a Dean’s Lister.
Avalon Ingram
Head, FCC & Data Experts APAC & MEIASC, SWIFT

Avalon is currently the Head of Financial Crime Compliance & Data Experts APAC & MEIASC having re-joined SWIFT in 2019. In this role she is responsible for the adoption of portfolio products across ASEAN as well as community enrichment through educational engagements. She has 7 years’ experience in financial crime compliance having started her career at Dow Jones providing AML, Sanctions and ABC solutions to sub-Saharan Africa. Avalon initially joined SWIFT in 2016 working in the UKI & Nordic markets.
In the years away from SWIFT, she joined a Regtech startup that focused on elements of AI and Natural Language Processing delivering a multisource KYC platform to the banking sector. Avalon also sits on the board of the Regtech sub-committee of the Singapore Fintech Association.
Muhammad Imran
Criminal Intelligence Officer, Financial CrimesUnit, INTERPOL

Imran is a member of the Financial CrimesUnit under INTERPOL’s Criminal Networks Sub-directorate. He is responsible for coordinating cases relating to financial crime investigations and asset recovery matters with INTERPOL’s member countries. He speaks at various international fora and collaborates closely with other international partners for projects in the field of financial crime.
Prior to his stint at INTERPOL, Imranhadmore than 10years’experiencewith the Singapore Police Force (SPF), particularly in the field of financial investigation and financial intelligence at the Commercial Affairs Department (CAD). He has taken on various postings at CAD, including with the Suspicious Transaction Reporting Office (the FinancialIntelligence Unit of Singapore), the International Cooperation Branch and the Inter-Agency Committee for the Financial Action Task Force’s Mutual Evaluation of Singapore. He was also appointed as a trainer with the Home Team School of Criminal Investigation.
Imran currently holds a bachelor’s degree of Business from the Nanyang Technological University and a Postgraduate Diploma in Anti-Money Laundering/Counter Financing Terrorism (AML/CFT) from the International Compliance Association(ICA).
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Mel Georgie B. Racela
Executive Director, Anti-Money Laundering Council

Atty. Mel Georgie Racela is the Executive Director and head of the operational arm of the AMLC, executing the AMLC’s vision and ensuring sustainable reforms for the Secretariat, since 2017. Prior to this, he has been with the Bangko Sentral ng Pilipinas for 21 years, holding various positions in the areas of banking supervision, legal counselling, and litigation as well as financial investigation.
Atty. Racela contributed largely to legislative and regulatory framework developments, which filled critical gaps in the country’s anti-money laundering and counter-terrorism financing (AML/CTF) defense, such as Republic Act (RA) No.10927, known in local parlance as the casino law, and its Implementing Rules and Regulations; and RA No. 11479 or the Anti-Terrorism Act of 2020, to name a few.
Further, under his supervision were the approval of the Second National Risk Assessment Report, which evaluated the overall threat and effectiveness of the Philippines’ AML/CTF mechanisms; and the approval of Executive Order No. 68 series of 2018 by the President, which embodies the country’s National AML/CTF Strategy (NACS).
He obtained his Bachelor of Laws degree from San Beda College and his Accounting degree from De La Salle University. He also holds a Master of Laws degree in International Legal Studies from Georgetown University Law Center in Washington, DC, USA, where he graduated as a Dean’s Lister.
Avalon Ingram
Head, FCC & Data Experts APAC & MEIASC, SWIFT

Avalon is currently the Head of Financial Crime Compliance & Data Experts APAC & MEIASC having re-joined SWIFT in 2019. In this role she is responsible for the adoption of portfolio products across ASEAN as well as community enrichment through educational engagements. She has 7 years’ experience in financial crime compliance having started her career at Dow Jones providing AML, Sanctions and ABC solutions to sub-Saharan Africa. Avalon initially joined SWIFT in 2016 working in the UKI & Nordic markets.
In the years away from SWIFT, she joined a Regtech startup that focused on elements of AI and Natural Language Processing delivering a multisource KYC platform to the banking sector. Avalon also sits on the board of the Regtech sub-committee of the Singapore Fintech Association.
Muhammad Imran
Criminal Intelligence Officer, Financial CrimesUnit, INTERPOL

Imran is a member of the Financial CrimesUnit under INTERPOL’s Criminal Networks Sub-directorate. He is responsible for coordinating cases relating to financial crime investigations and asset recovery matters with INTERPOL’s member countries. He speaks at various international fora and collaborates closely with other international partners for projects in the field of financial crime.
Prior to his stint at INTERPOL, Imranhadmore than 10years’experiencewith the Singapore Police Force (SPF), particularly in the field of financial investigation and financial intelligence at the Commercial Affairs Department (CAD). He has taken on various postings at CAD, including with the Suspicious Transaction Reporting Office (the FinancialIntelligence Unit of Singapore), the International Cooperation Branch and the Inter-Agency Committee for the Financial Action Task Force’s Mutual Evaluation of Singapore. He was also appointed as a trainer with the Home Team School of Criminal Investigation.
Imran currently holds a bachelor’s degree of Business from the Nanyang Technological University and a Postgraduate Diploma in Anti-Money Laundering/Counter Financing Terrorism (AML/CFT) from the International Compliance Association(ICA).
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Mel Georgie B. Racela
Executive Director, Anti-Money Laundering Council

Atty. Mel Georgie Racela is the Executive Director and head of the operational arm of the AMLC, executing the AMLC’s vision and ensuring sustainable reforms for the Secretariat, since 2017. Prior to this, he has been with the Bangko Sentral ng Pilipinas for 21 years, holding various positions in the areas of banking supervision, legal counselling, and litigation as well as financial investigation.
Atty. Racela contributed largely to legislative and regulatory framework developments, which filled critical gaps in the country’s anti-money laundering and counter-terrorism financing (AML/CTF) defense, such as Republic Act (RA) No.10927, known in local parlance as the casino law, and its Implementing Rules and Regulations; and RA No. 11479 or the Anti-Terrorism Act of 2020, to name a few.
Further, under his supervision were the approval of the Second National Risk Assessment Report, which evaluated the overall threat and effectiveness of the Philippines’ AML/CTF mechanisms; and the approval of Executive Order No. 68 series of 2018 by the President, which embodies the country’s National AML/CTF Strategy (NACS).
He obtained his Bachelor of Laws degree from San Beda College and his Accounting degree from De La Salle University. He also holds a Master of Laws degree in International Legal Studies from Georgetown University Law Center in Washington, DC, USA, where he graduated as a Dean’s Lister.
Avalon Ingram
Head, FCC & Data Experts APAC & MEIASC, SWIFT

Avalon is currently the Head of Financial Crime Compliance & Data Experts APAC & MEIASC having re-joined SWIFT in 2019. In this role she is responsible for the adoption of portfolio products across ASEAN as well as community enrichment through educational engagements. She has 7 years’ experience in financial crime compliance having started her career at Dow Jones providing AML, Sanctions and ABC solutions to sub-Saharan Africa. Avalon initially joined SWIFT in 2016 working in the UKI & Nordic markets.
In the years away from SWIFT, she joined a Regtech startup that focused on elements of AI and Natural Language Processing delivering a multisource KYC platform to the banking sector. Avalon also sits on the board of the Regtech sub-committee of the Singapore Fintech Association.
Muhammad Imran
Criminal Intelligence Officer, Financial CrimesUnit, INTERPOL

Imran is a member of the Financial CrimesUnit under INTERPOL’s Criminal Networks Sub-directorate. He is responsible for coordinating cases relating to financial crime investigations and asset recovery matters with INTERPOL’s member countries. He speaks at various international fora and collaborates closely with other international partners for projects in the field of financial crime.
Prior to his stint at INTERPOL, Imranhadmore than 10years’experiencewith the Singapore Police Force (SPF), particularly in the field of financial investigation and financial intelligence at the Commercial Affairs Department (CAD). He has taken on various postings at CAD, including with the Suspicious Transaction Reporting Office (the FinancialIntelligence Unit of Singapore), the International Cooperation Branch and the Inter-Agency Committee for the Financial Action Task Force’s Mutual Evaluation of Singapore. He was also appointed as a trainer with the Home Team School of Criminal Investigation.
Imran currently holds a bachelor’s degree of Business from the Nanyang Technological University and a Postgraduate Diploma in Anti-Money Laundering/Counter Financing Terrorism (AML/CFT) from the International Compliance Association(ICA).
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
10:15 am to 10:30 am SGT
The Future of Collaboration – Global Coalition to Fight Financial Crime
- What is the Coalition? Objectives, legislative influence and relevance to APAC
- Engagement models and data partnerships
- Solutions to address emerging risks and challenges including environmental crime and human trafficking
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Che Sidanius
Global Head of Financial Crime & Industry Affairs, Refinitiv

Che Sidanius is the Global Head of Financial Crime & Industry Affairs at Refinitiv, an LSEG business. His role is to identify regulatory changes and lead programs of action with the sole purpose of enhancing the fight against financial crime more effective and delivering the best possible outcome for the industry. Together with the World Economic Forum and Europol, he’s the founder of the Global Coalition to Fight Financial Crime.
Prior to joining Refinitiv, his work experiences include being a Senior Advisor to the Bank of England’s Financial Stability Directorate and previously a Senior Bank Examiner at the Federal Reserve Bank of NY. His most notable awards included receiving the Presidential Award for managing the 2007-09 Financial Crisis and a driving force behind Refinitiv’s Impact Company of the year award in 2019.
Che received his Master’s in International Affairs from the School of Advanced International Studies, Johns Hopkins University and undergraduate degree in Political Science from UC Berkeley in California.
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Che Sidanius
Global Head of Financial Crime & Industry Affairs, Refinitiv

Che Sidanius is the Global Head of Financial Crime & Industry Affairs at Refinitiv, an LSEG business. His role is to identify regulatory changes and lead programs of action with the sole purpose of enhancing the fight against financial crime more effective and delivering the best possible outcome for the industry. Together with the World Economic Forum and Europol, he’s the founder of the Global Coalition to Fight Financial Crime.
Prior to joining Refinitiv, his work experiences include being a Senior Advisor to the Bank of England’s Financial Stability Directorate and previously a Senior Bank Examiner at the Federal Reserve Bank of NY. His most notable awards included receiving the Presidential Award for managing the 2007-09 Financial Crisis and a driving force behind Refinitiv’s Impact Company of the year award in 2019.
Che received his Master’s in International Affairs from the School of Advanced International Studies, Johns Hopkins University and undergraduate degree in Political Science from UC Berkeley in California.
10:30 am to 10:40 am SGT
Audience Q&A
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Richard Storey
Sales Director, Risk Solutions, Pacific, Refinitiv

Richard is based in Sydney and leads the Refinitiv Risk Solutions Sales team in the Pacific region. He joined the firm in November 2014 and is responsible for all buyside, sellside and Corporate client engagements for our risk data, managed services and workflow solutions offerings.
Richard joined Thomson Reuters after spending many years in structured product, private equity and consulting. His experience included the development and implementation of KYC, AML & CTF processes and policies – as well as responsibility for managing his firms’ responses to banks’ and other counterparties’ requests for KYC data.
This inside view of the buyside and sell-side issues of KYC/AML/CTF regulations gives him a very practical approach to product and business development with Refinitiv.
Richard is a graduate of Macquarie University (BA Mass Comm) and has Diplomas in Financial Services and Export Management, and is a CAMS certified AML Specialist.
10:40 am to 11:10 am SGT
Panel Discussion - The Future of KYC/CDD, Transaction Monitoring and Customer Screening
- Leverage the latest tools to cut costs and help improve consistency in your AML/KYC program
- How is transaction monitoring changing from rule based systems to behavior based clusters and the use of AI and ML
- Streamlining regulatory compliance with SAR filing and CDD obligations
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Grace Ho
Executive Director, SEA Head for AML & Sanctions and Singapore Country MLRO, Financial Crimes Compliance , JP Morgan Chase Bank N.A. Singapore

Grace Ho is currently overseeing the AML and Sanctions Program implementation within South East Asia region, and has Singapore Country MLRO oversight responsibility across multiple lines of businesses in Corporate and Investment Banking, Commercial Banking, Wealth Management, Asset Management and Trust.
Grace has close to 20 years of experience in Operations, Middle Office and Financial Crime Compliance with global financial institutions. Within Financial Crime Compliance, her experience spans across the full spectrum of AML/Sanctions/ABC framework, and has held regional leadership roles including Head of AML Monitoring and Investigations; Head of AML Advisory and APAC MLRO for Corporate Investment Banking and Wealth businesses.
She is a current JPM representative with Singapore Association of Banks (ABS), and a working group member of 2015 MAS-ABS AML regulation revision and Singapore AML/CFT Industry Partnership (ACIP) – Trade Based Money Laundering. She is also actively engaged as a working member on the Asia Development Bank’s Trade Finance AML workgroup (SAR Feedback loop) in partnership with global regulators/financial institutions/international players.
She holds a Bachelor of Business (Hons), and ICA Diploma in AML Compliance.
Neeraj Bansal
Fintech & Ecosystems Solutions Manager, OCBC

Neeraj is a Financial Crime Consultant working in OCBC for the Group functions focusing on Group Legal & Regulatory Compliance. He is responsible for providing solutions and assurance related to the AML ecosystem in the bank.
In his 16 years of experience, he has worked with Bank of America, Citi, Discover Financial Services, Credit Agricole, leading various regulatory initiatives in the areas of FCC, CTF, AML, KYC CDD, Sanctions, FATCA, CRS & Fraud detection.
He is a Certified Anti Money Laundering Specialist & Certified Product Owner.
Karthik Prabhakar
Lead Advisor, KYC Centre of Excellence, ANZ Bank

Prabhakar is an experienced financial crime leader, and a Chartered Accountant with 20 years of experience in financial crime, fraud investigations and fraud risk management. In his current role at ANZ Bank, he is a Lead Advisor to the KYC Centre of Expertise and advises on all matters KYC related including remediation projects, transformation projects, technology changes and major initiatives across the Australian Retail and Commercial (AR&C) Division for ANZ Bank. He also leads a team that manages KYC escalations and is responsible for building workforce capability across the AR&C Portfolio.
He has significant experience and a keen focus in harnessing the power of big data and technology in preventing, detecting and responding to the scourge of financial crime and fraud. Previously in his role as a Director at KPMG Forensic, he has led large teams in managing several complex and sensitive fraud / financial crime engagements subject to media and regulatory scrutiny.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Grace Ho
Executive Director, SEA Head for AML & Sanctions and Singapore Country MLRO, Financial Crimes Compliance , JP Morgan Chase Bank N.A. Singapore

Grace Ho is currently overseeing the AML and Sanctions Program implementation within South East Asia region, and has Singapore Country MLRO oversight responsibility across multiple lines of businesses in Corporate and Investment Banking, Commercial Banking, Wealth Management, Asset Management and Trust.
Grace has close to 20 years of experience in Operations, Middle Office and Financial Crime Compliance with global financial institutions. Within Financial Crime Compliance, her experience spans across the full spectrum of AML/Sanctions/ABC framework, and has held regional leadership roles including Head of AML Monitoring and Investigations; Head of AML Advisory and APAC MLRO for Corporate Investment Banking and Wealth businesses.
She is a current JPM representative with Singapore Association of Banks (ABS), and a working group member of 2015 MAS-ABS AML regulation revision and Singapore AML/CFT Industry Partnership (ACIP) – Trade Based Money Laundering. She is also actively engaged as a working member on the Asia Development Bank’s Trade Finance AML workgroup (SAR Feedback loop) in partnership with global regulators/financial institutions/international players.
She holds a Bachelor of Business (Hons), and ICA Diploma in AML Compliance.
Neeraj Bansal
Fintech & Ecosystems Solutions Manager, OCBC

Neeraj is a Financial Crime Consultant working in OCBC for the Group functions focusing on Group Legal & Regulatory Compliance. He is responsible for providing solutions and assurance related to the AML ecosystem in the bank.
In his 16 years of experience, he has worked with Bank of America, Citi, Discover Financial Services, Credit Agricole, leading various regulatory initiatives in the areas of FCC, CTF, AML, KYC CDD, Sanctions, FATCA, CRS & Fraud detection.
He is a Certified Anti Money Laundering Specialist & Certified Product Owner.
Karthik Prabhakar
Lead Advisor, KYC Centre of Excellence, ANZ Bank

Prabhakar is an experienced financial crime leader, and a Chartered Accountant with 20 years of experience in financial crime, fraud investigations and fraud risk management. In his current role at ANZ Bank, he is a Lead Advisor to the KYC Centre of Expertise and advises on all matters KYC related including remediation projects, transformation projects, technology changes and major initiatives across the Australian Retail and Commercial (AR&C) Division for ANZ Bank. He also leads a team that manages KYC escalations and is responsible for building workforce capability across the AR&C Portfolio.
He has significant experience and a keen focus in harnessing the power of big data and technology in preventing, detecting and responding to the scourge of financial crime and fraud. Previously in his role as a Director at KPMG Forensic, he has led large teams in managing several complex and sensitive fraud / financial crime engagements subject to media and regulatory scrutiny.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Grace Ho
Executive Director, SEA Head for AML & Sanctions and Singapore Country MLRO, Financial Crimes Compliance , JP Morgan Chase Bank N.A. Singapore

Grace Ho is currently overseeing the AML and Sanctions Program implementation within South East Asia region, and has Singapore Country MLRO oversight responsibility across multiple lines of businesses in Corporate and Investment Banking, Commercial Banking, Wealth Management, Asset Management and Trust.
Grace has close to 20 years of experience in Operations, Middle Office and Financial Crime Compliance with global financial institutions. Within Financial Crime Compliance, her experience spans across the full spectrum of AML/Sanctions/ABC framework, and has held regional leadership roles including Head of AML Monitoring and Investigations; Head of AML Advisory and APAC MLRO for Corporate Investment Banking and Wealth businesses.
She is a current JPM representative with Singapore Association of Banks (ABS), and a working group member of 2015 MAS-ABS AML regulation revision and Singapore AML/CFT Industry Partnership (ACIP) – Trade Based Money Laundering. She is also actively engaged as a working member on the Asia Development Bank’s Trade Finance AML workgroup (SAR Feedback loop) in partnership with global regulators/financial institutions/international players.
She holds a Bachelor of Business (Hons), and ICA Diploma in AML Compliance.
Neeraj Bansal
Fintech & Ecosystems Solutions Manager, OCBC

Neeraj is a Financial Crime Consultant working in OCBC for the Group functions focusing on Group Legal & Regulatory Compliance. He is responsible for providing solutions and assurance related to the AML ecosystem in the bank.
In his 16 years of experience, he has worked with Bank of America, Citi, Discover Financial Services, Credit Agricole, leading various regulatory initiatives in the areas of FCC, CTF, AML, KYC CDD, Sanctions, FATCA, CRS & Fraud detection.
He is a Certified Anti Money Laundering Specialist & Certified Product Owner.
Karthik Prabhakar
Lead Advisor, KYC Centre of Excellence, ANZ Bank

Prabhakar is an experienced financial crime leader, and a Chartered Accountant with 20 years of experience in financial crime, fraud investigations and fraud risk management. In his current role at ANZ Bank, he is a Lead Advisor to the KYC Centre of Expertise and advises on all matters KYC related including remediation projects, transformation projects, technology changes and major initiatives across the Australian Retail and Commercial (AR&C) Division for ANZ Bank. He also leads a team that manages KYC escalations and is responsible for building workforce capability across the AR&C Portfolio.
He has significant experience and a keen focus in harnessing the power of big data and technology in preventing, detecting and responding to the scourge of financial crime and fraud. Previously in his role as a Director at KPMG Forensic, he has led large teams in managing several complex and sensitive fraud / financial crime engagements subject to media and regulatory scrutiny.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Grace Ho
Executive Director, SEA Head for AML & Sanctions and Singapore Country MLRO, Financial Crimes Compliance , JP Morgan Chase Bank N.A. Singapore

Grace Ho is currently overseeing the AML and Sanctions Program implementation within South East Asia region, and has Singapore Country MLRO oversight responsibility across multiple lines of businesses in Corporate and Investment Banking, Commercial Banking, Wealth Management, Asset Management and Trust.
Grace has close to 20 years of experience in Operations, Middle Office and Financial Crime Compliance with global financial institutions. Within Financial Crime Compliance, her experience spans across the full spectrum of AML/Sanctions/ABC framework, and has held regional leadership roles including Head of AML Monitoring and Investigations; Head of AML Advisory and APAC MLRO for Corporate Investment Banking and Wealth businesses.
She is a current JPM representative with Singapore Association of Banks (ABS), and a working group member of 2015 MAS-ABS AML regulation revision and Singapore AML/CFT Industry Partnership (ACIP) – Trade Based Money Laundering. She is also actively engaged as a working member on the Asia Development Bank’s Trade Finance AML workgroup (SAR Feedback loop) in partnership with global regulators/financial institutions/international players.
She holds a Bachelor of Business (Hons), and ICA Diploma in AML Compliance.
Neeraj Bansal
Fintech & Ecosystems Solutions Manager, OCBC

Neeraj is a Financial Crime Consultant working in OCBC for the Group functions focusing on Group Legal & Regulatory Compliance. He is responsible for providing solutions and assurance related to the AML ecosystem in the bank.
In his 16 years of experience, he has worked with Bank of America, Citi, Discover Financial Services, Credit Agricole, leading various regulatory initiatives in the areas of FCC, CTF, AML, KYC CDD, Sanctions, FATCA, CRS & Fraud detection.
He is a Certified Anti Money Laundering Specialist & Certified Product Owner.
Karthik Prabhakar
Lead Advisor, KYC Centre of Excellence, ANZ Bank

Prabhakar is an experienced financial crime leader, and a Chartered Accountant with 20 years of experience in financial crime, fraud investigations and fraud risk management. In his current role at ANZ Bank, he is a Lead Advisor to the KYC Centre of Expertise and advises on all matters KYC related including remediation projects, transformation projects, technology changes and major initiatives across the Australian Retail and Commercial (AR&C) Division for ANZ Bank. He also leads a team that manages KYC escalations and is responsible for building workforce capability across the AR&C Portfolio.
He has significant experience and a keen focus in harnessing the power of big data and technology in preventing, detecting and responding to the scourge of financial crime and fraud. Previously in his role as a Director at KPMG Forensic, he has led large teams in managing several complex and sensitive fraud / financial crime engagements subject to media and regulatory scrutiny.
11:10 am to 11:50 am SGT
Track A
Has the Pandora’s box been opened by the Pandora Papers?
- What are some key weaknesses exposed by the leaks?
- What does it mean for FI and regulators in APAC?
- What are the potential solutions to the challenges?
Choon Hong Chua
Director – Head of Financial Crime Practice Group, APAC & Middle East , Bureau van Dijk, a Moody’s Analytics company

Choon is the APAC and Middle East Head of subject matter expert team for Compliance Solutions in Moody’s Analytics. He is responsible for driving compliance related initiatives across Asia Pacific and Middle East. Choon is active in the compliance community in the public sectors, banking and corporate space and understands the emerging trends in combating financial crimes through these interactions.
Choon acts as a consultant in helping fortune 500 clients in understanding the risk based approach to Anti-Money Laundering, and assist in data mapping workshops to operationise the use of MA information through the AML processes. His exerience helps client in building a holistic compliance risk framework to navigate through complex regulatory environments.
Choon comes with over 15 years of experience in the enterprise software solution space and he has spent the last few years advising major financial institutions across Asia Pacific in AML, fraud and trade compliance. He is a Certified Anti-Money Laundering Specialist and participates actively in leading financial crime conferences.
Audience Q&A
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Choon Hong Chua
Director – Head of Financial Crime Practice Group, APAC & Middle East , Bureau van Dijk, a Moody’s Analytics company

Choon is the APAC and Middle East Head of subject matter expert team for Compliance Solutions in Moody’s Analytics. He is responsible for driving compliance related initiatives across Asia Pacific and Middle East. Choon is active in the compliance community in the public sectors, banking and corporate space and understands the emerging trends in combating financial crimes through these interactions.
Choon acts as a consultant in helping fortune 500 clients in understanding the risk based approach to Anti-Money Laundering, and assist in data mapping workshops to operationise the use of MA information through the AML processes. His exerience helps client in building a holistic compliance risk framework to navigate through complex regulatory environments.
Choon comes with over 15 years of experience in the enterprise software solution space and he has spent the last few years advising major financial institutions across Asia Pacific in AML, fraud and trade compliance. He is a Certified Anti-Money Laundering Specialist and participates actively in leading financial crime conferences.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Choon Hong Chua
Director – Head of Financial Crime Practice Group, APAC & Middle East , Bureau van Dijk, a Moody’s Analytics company

Choon is the APAC and Middle East Head of subject matter expert team for Compliance Solutions in Moody’s Analytics. He is responsible for driving compliance related initiatives across Asia Pacific and Middle East. Choon is active in the compliance community in the public sectors, banking and corporate space and understands the emerging trends in combating financial crimes through these interactions.
Choon acts as a consultant in helping fortune 500 clients in understanding the risk based approach to Anti-Money Laundering, and assist in data mapping workshops to operationise the use of MA information through the AML processes. His exerience helps client in building a holistic compliance risk framework to navigate through complex regulatory environments.
Choon comes with over 15 years of experience in the enterprise software solution space and he has spent the last few years advising major financial institutions across Asia Pacific in AML, fraud and trade compliance. He is a Certified Anti-Money Laundering Specialist and participates actively in leading financial crime conferences.
AML Capabilities – People, Process, Technology – What Shifts Will We See in the Coming Year?
- Look ahead at what will be key AML program fulcrum points
- Regulatory focal points and how best to use technology and partnerships to achieve effectiveness
- Adopting Innovative skills, methods, and processes
Ammar Azizi
Head of AML/CFT, Internal Audit Division , Bank Muamalat

Ammar Azizi joined Bank Muamalat Malaysia in 2020 in the role of Head of AML/CFT Audit and is responsible in developing and executing an integrated and long-term strategy to provide the Bank with an independent and objective AML/CFT assurance, ensuring that the Bank’s first and second lines of defense is meeting its internal policies, procedures, controls, and risk limits.
Prior to joining Bank Muamalat Malaysia, Ammar has worked with Hong Leong Bank Berhad, RHB Bank Berhad, Prudential Assurance Malaysia Berhad, and the Securities Commission Malaysia. In these organisations he ran and led Customer Due Diligence (CDD) operations, AML/CFT Transactions Monitoring and Financial Crime Compliance Investigation. Ammar’s breadth of experience in the AML/CFT field includes leading innovation such as initiating and heading a team in On-going Due Diligence (ODD) project, commencing post submission process of Suspicious Transactions Reports and the creation of a specialized team that connects financial intelligence gathered from various sources to investigate complex and unique AML/CFT cases.
Mr. Ammar Azizi earned his Bachelor in Finance (Hons) from MARA University of Technology Malaysia, Advanced Certification in AML/CFT from Asian Institute of Chartered Bankers and International Diploma in AML/CFT from University of Manchester (in association with International Compliance Association).
Track B
Automating End-to-End eKYC and AML Workflows Throughout the Customer Journey
- Implementing an integrated and automated identity proofing, eKYC and AML monitoring workflow for customer onboarding and ongoing due diligence
- Building a strong internal IT partnership to help streamline digital onboarding and AML/KYC processes
- Building AML compliance culture to manage regulatory risks
Brett Barrett
Sales Director, Advanced Technology, Jumio

Brett is the Sales Director, Jumio Advanced Technology leading the Americas team helping Financial Institutions implement technology solutions to manage AML, Risk & Compliance. Prior to that he was Sr. Risk Specialist & Head of Sales for the East for Alessa by Tier1 and prior to that was Sr. Risk Specialist for Refinitiv formerly the Financial & Risk division of Thomson Reuters- specializing in KYC and AML. He joined Thomson Reuters in 2015 and has since helped some of the largest Financial Institutions in the world solve their AML, governance, risk & compliance challenges. He brings with him 15 years of experience in enterprise risk management solutions from the technical and software side of the equation.
Audience Q&A
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Brett Barrett
Sales Director, Advanced Technology, Jumio

Brett is the Sales Director, Jumio Advanced Technology leading the Americas team helping Financial Institutions implement technology solutions to manage AML, Risk & Compliance. Prior to that he was Sr. Risk Specialist & Head of Sales for the East for Alessa by Tier1 and prior to that was Sr. Risk Specialist for Refinitiv formerly the Financial & Risk division of Thomson Reuters- specializing in KYC and AML. He joined Thomson Reuters in 2015 and has since helped some of the largest Financial Institutions in the world solve their AML, governance, risk & compliance challenges. He brings with him 15 years of experience in enterprise risk management solutions from the technical and software side of the equation.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Brett Barrett
Sales Director, Advanced Technology, Jumio

Brett is the Sales Director, Jumio Advanced Technology leading the Americas team helping Financial Institutions implement technology solutions to manage AML, Risk & Compliance. Prior to that he was Sr. Risk Specialist & Head of Sales for the East for Alessa by Tier1 and prior to that was Sr. Risk Specialist for Refinitiv formerly the Financial & Risk division of Thomson Reuters- specializing in KYC and AML. He joined Thomson Reuters in 2015 and has since helped some of the largest Financial Institutions in the world solve their AML, governance, risk & compliance challenges. He brings with him 15 years of experience in enterprise risk management solutions from the technical and software side of the equation.
How AI is Set to Transform AML with Face Recognition, Text Analytics and Explainability
- AI applied to typical financial data for AML
- Face recognition in eKYC as a versatile biometric identification technology with potential for scalability and enhancements.
- Text analytics: Gather intelligence information efficiently from different sources and employ NLP to extract relationships, topics and sentiment in free text that is available on the web
Dr Adrienne Heinrich
Vice President, AI Center of Excellence Head, Data Science and AI Group , UnionBank of the Philippines

Dr Adrienne Heinrich received her M.Sc. degree in Information Technology and Electrical Engineering at the ETH in Zurich, Switzerland, and subsequently joined Philips Research in 2006. She obtained her PhD degree at the Eindhoven University of Technology in the Netherlands in 2015.
From 2012 to 2020, Adrienne has been leading AI and Machine Learning use cases for personal health and connected care products and services at Royal Philips. In 2020, she was appointed head of the AI Center of Excellence at UnionBank of the Philippines and is supporting UnionBank’s digital transformation journey.
11:50 am to 12:00 pm SGT
Audience Q&A
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Ammar Azizi
Head of AML/CFT, Internal Audit Division , Bank Muamalat

Ammar Azizi joined Bank Muamalat Malaysia in 2020 in the role of Head of AML/CFT Audit and is responsible in developing and executing an integrated and long-term strategy to provide the Bank with an independent and objective AML/CFT assurance, ensuring that the Bank’s first and second lines of defense is meeting its internal policies, procedures, controls, and risk limits.
Prior to joining Bank Muamalat Malaysia, Ammar has worked with Hong Leong Bank Berhad, RHB Bank Berhad, Prudential Assurance Malaysia Berhad, and the Securities Commission Malaysia. In these organisations he ran and led Customer Due Diligence (CDD) operations, AML/CFT Transactions Monitoring and Financial Crime Compliance Investigation. Ammar’s breadth of experience in the AML/CFT field includes leading innovation such as initiating and heading a team in On-going Due Diligence (ODD) project, commencing post submission process of Suspicious Transactions Reports and the creation of a specialized team that connects financial intelligence gathered from various sources to investigate complex and unique AML/CFT cases.
Mr. Ammar Azizi earned his Bachelor in Finance (Hons) from MARA University of Technology Malaysia, Advanced Certification in AML/CFT from Asian Institute of Chartered Bankers and International Diploma in AML/CFT from University of Manchester (in association with International Compliance Association).
Dr Adrienne Heinrich
Vice President, AI Center of Excellence Head, Data Science and AI Group , UnionBank of the Philippines

Dr Adrienne Heinrich received her M.Sc. degree in Information Technology and Electrical Engineering at the ETH in Zurich, Switzerland, and subsequently joined Philips Research in 2006. She obtained her PhD degree at the Eindhoven University of Technology in the Netherlands in 2015.
From 2012 to 2020, Adrienne has been leading AI and Machine Learning use cases for personal health and connected care products and services at Royal Philips. In 2020, she was appointed head of the AI Center of Excellence at UnionBank of the Philippines and is supporting UnionBank’s digital transformation journey.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Ammar Azizi
Head of AML/CFT, Internal Audit Division , Bank Muamalat

Ammar Azizi joined Bank Muamalat Malaysia in 2020 in the role of Head of AML/CFT Audit and is responsible in developing and executing an integrated and long-term strategy to provide the Bank with an independent and objective AML/CFT assurance, ensuring that the Bank’s first and second lines of defense is meeting its internal policies, procedures, controls, and risk limits.
Prior to joining Bank Muamalat Malaysia, Ammar has worked with Hong Leong Bank Berhad, RHB Bank Berhad, Prudential Assurance Malaysia Berhad, and the Securities Commission Malaysia. In these organisations he ran and led Customer Due Diligence (CDD) operations, AML/CFT Transactions Monitoring and Financial Crime Compliance Investigation. Ammar’s breadth of experience in the AML/CFT field includes leading innovation such as initiating and heading a team in On-going Due Diligence (ODD) project, commencing post submission process of Suspicious Transactions Reports and the creation of a specialized team that connects financial intelligence gathered from various sources to investigate complex and unique AML/CFT cases.
Mr. Ammar Azizi earned his Bachelor in Finance (Hons) from MARA University of Technology Malaysia, Advanced Certification in AML/CFT from Asian Institute of Chartered Bankers and International Diploma in AML/CFT from University of Manchester (in association with International Compliance Association).
Dr Adrienne Heinrich
Vice President, AI Center of Excellence Head, Data Science and AI Group , UnionBank of the Philippines

Dr Adrienne Heinrich received her M.Sc. degree in Information Technology and Electrical Engineering at the ETH in Zurich, Switzerland, and subsequently joined Philips Research in 2006. She obtained her PhD degree at the Eindhoven University of Technology in the Netherlands in 2015.
From 2012 to 2020, Adrienne has been leading AI and Machine Learning use cases for personal health and connected care products and services at Royal Philips. In 2020, she was appointed head of the AI Center of Excellence at UnionBank of the Philippines and is supporting UnionBank’s digital transformation journey.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Ammar Azizi
Head of AML/CFT, Internal Audit Division , Bank Muamalat

Ammar Azizi joined Bank Muamalat Malaysia in 2020 in the role of Head of AML/CFT Audit and is responsible in developing and executing an integrated and long-term strategy to provide the Bank with an independent and objective AML/CFT assurance, ensuring that the Bank’s first and second lines of defense is meeting its internal policies, procedures, controls, and risk limits.
Prior to joining Bank Muamalat Malaysia, Ammar has worked with Hong Leong Bank Berhad, RHB Bank Berhad, Prudential Assurance Malaysia Berhad, and the Securities Commission Malaysia. In these organisations he ran and led Customer Due Diligence (CDD) operations, AML/CFT Transactions Monitoring and Financial Crime Compliance Investigation. Ammar’s breadth of experience in the AML/CFT field includes leading innovation such as initiating and heading a team in On-going Due Diligence (ODD) project, commencing post submission process of Suspicious Transactions Reports and the creation of a specialized team that connects financial intelligence gathered from various sources to investigate complex and unique AML/CFT cases.
Mr. Ammar Azizi earned his Bachelor in Finance (Hons) from MARA University of Technology Malaysia, Advanced Certification in AML/CFT from Asian Institute of Chartered Bankers and International Diploma in AML/CFT from University of Manchester (in association with International Compliance Association).
Dr Adrienne Heinrich
Vice President, AI Center of Excellence Head, Data Science and AI Group , UnionBank of the Philippines

Dr Adrienne Heinrich received her M.Sc. degree in Information Technology and Electrical Engineering at the ETH in Zurich, Switzerland, and subsequently joined Philips Research in 2006. She obtained her PhD degree at the Eindhoven University of Technology in the Netherlands in 2015.
From 2012 to 2020, Adrienne has been leading AI and Machine Learning use cases for personal health and connected care products and services at Royal Philips. In 2020, she was appointed head of the AI Center of Excellence at UnionBank of the Philippines and is supporting UnionBank’s digital transformation journey.
12:00 pm to 12:10 pm SGT
Networking Break and Meetings
12:10 pm to 12:50 pm SGT
Track A
Enhancing Public-Private Collaboration in Fighting Trade-Based Financial Crime
- Lack of reliable statistics around trade-based money laundering (TBML) stifles effort of banks and regulators to catch the bad guys
- Need to improve suspicious transaction reporting to better detect and prevent TBML
- Tap public-private partnerships to create better solutions in fighting financial crimes
Alexander Malaket
AML/CFT Consultant, Trade & Supply Chain Finance Program / President, Asian Development Bank / OPUS Advisory Services International

Alexander R. Malaket, CITP, CTFP, GTP-E, is President of OPUS Advisory Services International Inc., Toronto, Canada, as well as Partner at ESG Validation Ltd., London, UK and Founding Partner, Prism Global Partners LLP, London, UK. Activities across the firms focus on trade, logistics and supply chain, trade-related financing and risk, as well as trade-related policy and international development, in addition to sustainability and ESG in trade, capital markets and policy. Alexander advises several FinTech start-ups around the world, and engages in top-level advocacy through the UN, the B20/G20 processes, the WTO and other organisations.
Alexander undertakes a range of advisory engagements from global strategy to technology, operating model and business case analysis to business process reviews, AML/CFT and financial crime compliance and related. Malaket has researched and authored thought leadership reports, program assessments and reviews, public and international policy reports and has participated in or chaired numerous international initiatives for industry bodies and other institutions.
Mr. Malaket is an internationally recognized expert, contributing regularly to industry publications. Alexander speaks and chairs panels at top-tier conferences and events around the world and is the author of “Financing Trade and International Supply Chains”, Gower/Ashgate Publishing, UK 2014 (now Taylor & Francis, UK).
Track B
Dynamic Customer Due Diligence for Real-time Risk Management
- How traditional Customer due diligence (CDD) have risen up to a more sophisticated practice
- Understanding significant changes on a continuous basis ranging from basic static data to client needs and behaviours
- Regulators expect FI to leverage on emerging technologies to obtain and validate client information on a continuous basis
Chon Yoong Lai
AML & Sanctions Expert, Ant Group

Chon Yoong has joined Ant Group as an AML & Sanctions Expert in 2021, focusing on international AML and Sanctions business governance.
He used to be working in Standard Chartered Bank (SCB) over ten years for several units including business finance, global digital alliances and global personal & preferred segment. He has been focusing on performance management, retail product value propositions, mobile payment initiative partnered with listed telecommunication company and cost optimisation initiatives throughout Retail Bank, Private Banking and SME Segment. The last role was to lead project, process and governance team for various risk exposures including AML, Sanctions, FATCA, CRS, Tax Compliance, Fraud Risk, Cyber Security, Data Privacy and Operational Risk. His main objective is to ensure mentioned risk exposures are mitigated with automated systems and better monitoring processes.
Prior to joining SCB, Chon Yoong has worked for PricewaterhouseCoopers (PwC) over four years as an external auditor covering several listed groups of companies in oil & gas, pipe lining, construction and property development industries.
12:25 pm to 12:40 pm SGT
Terrorist Financing and Developments in Sanction Compliance
- Understanding FATFs global efforts on combating terrorist financing and study on Economic Sanctions to North Korea (DPRK) by Japan
- Framework for OFAC Compliance Commitments and OFAC five essential components for an SCP
- Root Causes of common sanctions breaches
Hiroshi Ozaki
Director, AML/CFT Policy Office, Strategy Development & Management , Financial Services Agency

Hiroshi Ozaki, CAMS, Director, AML/CFT Policy Office, Strategy Development and Management Financial Services Agency, Japan Mr. Ozaki joined Financial Services Agency, Japan (“JFSA”) on February 1, 2018 as a Director of AML/CFT Policy Office which was newly established in the JFSA in February 2018 in order to enhance the control of risk of money laundering and terrorist financing (“ML/FT”) and establish a more effective regime to combat ML/FT in the Japanese financial industry. Prior to joining the FSA, Mr. Ozaki had been working for thirty years in private financial sector and public sectors in Japan and overseas. He was a General Manager of Financial Crime Prevention Department of Sumitomo Mitsui Banking Corporation (“SMBC”) and began his career at the Mitsui Bank, currently SMBC, in 1988, where he served in various sections in domestic and overseas offices like New York, London and Dubai, in planning, marketing and compliance.
Mr. Ozaki earned his Master of Business Administration from Stern School of Business, New York University and Bachelor of Economics from the University of Tokyo, and he is a Certified Anti-Money Laundering Specialist (“CAMS”). He is also the member of Japan Association of International Security and Trade, Chartered Member of the Securities Analysts Association of Japan, and Certified International Investment Analyst.
12:40 pm to 12:50 pm SGT
Audience Q&A
Alexander Malaket
AML/CFT Consultant, Trade & Supply Chain Finance Program / President, Asian Development Bank / OPUS Advisory Services International

Alexander R. Malaket, CITP, CTFP, GTP-E, is President of OPUS Advisory Services International Inc., Toronto, Canada, as well as Partner at ESG Validation Ltd., London, UK and Founding Partner, Prism Global Partners LLP, London, UK. Activities across the firms focus on trade, logistics and supply chain, trade-related financing and risk, as well as trade-related policy and international development, in addition to sustainability and ESG in trade, capital markets and policy. Alexander advises several FinTech start-ups around the world, and engages in top-level advocacy through the UN, the B20/G20 processes, the WTO and other organisations.
Alexander undertakes a range of advisory engagements from global strategy to technology, operating model and business case analysis to business process reviews, AML/CFT and financial crime compliance and related. Malaket has researched and authored thought leadership reports, program assessments and reviews, public and international policy reports and has participated in or chaired numerous international initiatives for industry bodies and other institutions.
Mr. Malaket is an internationally recognized expert, contributing regularly to industry publications. Alexander speaks and chairs panels at top-tier conferences and events around the world and is the author of “Financing Trade and International Supply Chains”, Gower/Ashgate Publishing, UK 2014 (now Taylor & Francis, UK).
Chon Yoong Lai
AML & Sanctions Expert, Ant Group

Chon Yoong has joined Ant Group as an AML & Sanctions Expert in 2021, focusing on international AML and Sanctions business governance.
He used to be working in Standard Chartered Bank (SCB) over ten years for several units including business finance, global digital alliances and global personal & preferred segment. He has been focusing on performance management, retail product value propositions, mobile payment initiative partnered with listed telecommunication company and cost optimisation initiatives throughout Retail Bank, Private Banking and SME Segment. The last role was to lead project, process and governance team for various risk exposures including AML, Sanctions, FATCA, CRS, Tax Compliance, Fraud Risk, Cyber Security, Data Privacy and Operational Risk. His main objective is to ensure mentioned risk exposures are mitigated with automated systems and better monitoring processes.
Prior to joining SCB, Chon Yoong has worked for PricewaterhouseCoopers (PwC) over four years as an external auditor covering several listed groups of companies in oil & gas, pipe lining, construction and property development industries.
Hiroshi Ozaki
Director, AML/CFT Policy Office, Strategy Development & Management , Financial Services Agency

Hiroshi Ozaki, CAMS, Director, AML/CFT Policy Office, Strategy Development and Management Financial Services Agency, Japan Mr. Ozaki joined Financial Services Agency, Japan (“JFSA”) on February 1, 2018 as a Director of AML/CFT Policy Office which was newly established in the JFSA in February 2018 in order to enhance the control of risk of money laundering and terrorist financing (“ML/FT”) and establish a more effective regime to combat ML/FT in the Japanese financial industry. Prior to joining the FSA, Mr. Ozaki had been working for thirty years in private financial sector and public sectors in Japan and overseas. He was a General Manager of Financial Crime Prevention Department of Sumitomo Mitsui Banking Corporation (“SMBC”) and began his career at the Mitsui Bank, currently SMBC, in 1988, where he served in various sections in domestic and overseas offices like New York, London and Dubai, in planning, marketing and compliance.
Mr. Ozaki earned his Master of Business Administration from Stern School of Business, New York University and Bachelor of Economics from the University of Tokyo, and he is a Certified Anti-Money Laundering Specialist (“CAMS”). He is also the member of Japan Association of International Security and Trade, Chartered Member of the Securities Analysts Association of Japan, and Certified International Investment Analyst.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Alexander Malaket
AML/CFT Consultant, Trade & Supply Chain Finance Program / President, Asian Development Bank / OPUS Advisory Services International

Alexander R. Malaket, CITP, CTFP, GTP-E, is President of OPUS Advisory Services International Inc., Toronto, Canada, as well as Partner at ESG Validation Ltd., London, UK and Founding Partner, Prism Global Partners LLP, London, UK. Activities across the firms focus on trade, logistics and supply chain, trade-related financing and risk, as well as trade-related policy and international development, in addition to sustainability and ESG in trade, capital markets and policy. Alexander advises several FinTech start-ups around the world, and engages in top-level advocacy through the UN, the B20/G20 processes, the WTO and other organisations.
Alexander undertakes a range of advisory engagements from global strategy to technology, operating model and business case analysis to business process reviews, AML/CFT and financial crime compliance and related. Malaket has researched and authored thought leadership reports, program assessments and reviews, public and international policy reports and has participated in or chaired numerous international initiatives for industry bodies and other institutions.
Mr. Malaket is an internationally recognized expert, contributing regularly to industry publications. Alexander speaks and chairs panels at top-tier conferences and events around the world and is the author of “Financing Trade and International Supply Chains”, Gower/Ashgate Publishing, UK 2014 (now Taylor & Francis, UK).
Chon Yoong Lai
AML & Sanctions Expert, Ant Group

Chon Yoong has joined Ant Group as an AML & Sanctions Expert in 2021, focusing on international AML and Sanctions business governance.
He used to be working in Standard Chartered Bank (SCB) over ten years for several units including business finance, global digital alliances and global personal & preferred segment. He has been focusing on performance management, retail product value propositions, mobile payment initiative partnered with listed telecommunication company and cost optimisation initiatives throughout Retail Bank, Private Banking and SME Segment. The last role was to lead project, process and governance team for various risk exposures including AML, Sanctions, FATCA, CRS, Tax Compliance, Fraud Risk, Cyber Security, Data Privacy and Operational Risk. His main objective is to ensure mentioned risk exposures are mitigated with automated systems and better monitoring processes.
Prior to joining SCB, Chon Yoong has worked for PricewaterhouseCoopers (PwC) over four years as an external auditor covering several listed groups of companies in oil & gas, pipe lining, construction and property development industries.
Hiroshi Ozaki
Director, AML/CFT Policy Office, Strategy Development & Management , Financial Services Agency

Hiroshi Ozaki, CAMS, Director, AML/CFT Policy Office, Strategy Development and Management Financial Services Agency, Japan Mr. Ozaki joined Financial Services Agency, Japan (“JFSA”) on February 1, 2018 as a Director of AML/CFT Policy Office which was newly established in the JFSA in February 2018 in order to enhance the control of risk of money laundering and terrorist financing (“ML/FT”) and establish a more effective regime to combat ML/FT in the Japanese financial industry. Prior to joining the FSA, Mr. Ozaki had been working for thirty years in private financial sector and public sectors in Japan and overseas. He was a General Manager of Financial Crime Prevention Department of Sumitomo Mitsui Banking Corporation (“SMBC”) and began his career at the Mitsui Bank, currently SMBC, in 1988, where he served in various sections in domestic and overseas offices like New York, London and Dubai, in planning, marketing and compliance.
Mr. Ozaki earned his Master of Business Administration from Stern School of Business, New York University and Bachelor of Economics from the University of Tokyo, and he is a Certified Anti-Money Laundering Specialist (“CAMS”). He is also the member of Japan Association of International Security and Trade, Chartered Member of the Securities Analysts Association of Japan, and Certified International Investment Analyst.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Alexander Malaket
AML/CFT Consultant, Trade & Supply Chain Finance Program / President, Asian Development Bank / OPUS Advisory Services International

Alexander R. Malaket, CITP, CTFP, GTP-E, is President of OPUS Advisory Services International Inc., Toronto, Canada, as well as Partner at ESG Validation Ltd., London, UK and Founding Partner, Prism Global Partners LLP, London, UK. Activities across the firms focus on trade, logistics and supply chain, trade-related financing and risk, as well as trade-related policy and international development, in addition to sustainability and ESG in trade, capital markets and policy. Alexander advises several FinTech start-ups around the world, and engages in top-level advocacy through the UN, the B20/G20 processes, the WTO and other organisations.
Alexander undertakes a range of advisory engagements from global strategy to technology, operating model and business case analysis to business process reviews, AML/CFT and financial crime compliance and related. Malaket has researched and authored thought leadership reports, program assessments and reviews, public and international policy reports and has participated in or chaired numerous international initiatives for industry bodies and other institutions.
Mr. Malaket is an internationally recognized expert, contributing regularly to industry publications. Alexander speaks and chairs panels at top-tier conferences and events around the world and is the author of “Financing Trade and International Supply Chains”, Gower/Ashgate Publishing, UK 2014 (now Taylor & Francis, UK).
Chon Yoong Lai
AML & Sanctions Expert, Ant Group

Chon Yoong has joined Ant Group as an AML & Sanctions Expert in 2021, focusing on international AML and Sanctions business governance.
He used to be working in Standard Chartered Bank (SCB) over ten years for several units including business finance, global digital alliances and global personal & preferred segment. He has been focusing on performance management, retail product value propositions, mobile payment initiative partnered with listed telecommunication company and cost optimisation initiatives throughout Retail Bank, Private Banking and SME Segment. The last role was to lead project, process and governance team for various risk exposures including AML, Sanctions, FATCA, CRS, Tax Compliance, Fraud Risk, Cyber Security, Data Privacy and Operational Risk. His main objective is to ensure mentioned risk exposures are mitigated with automated systems and better monitoring processes.
Prior to joining SCB, Chon Yoong has worked for PricewaterhouseCoopers (PwC) over four years as an external auditor covering several listed groups of companies in oil & gas, pipe lining, construction and property development industries.
Hiroshi Ozaki
Director, AML/CFT Policy Office, Strategy Development & Management , Financial Services Agency

Hiroshi Ozaki, CAMS, Director, AML/CFT Policy Office, Strategy Development and Management Financial Services Agency, Japan Mr. Ozaki joined Financial Services Agency, Japan (“JFSA”) on February 1, 2018 as a Director of AML/CFT Policy Office which was newly established in the JFSA in February 2018 in order to enhance the control of risk of money laundering and terrorist financing (“ML/FT”) and establish a more effective regime to combat ML/FT in the Japanese financial industry. Prior to joining the FSA, Mr. Ozaki had been working for thirty years in private financial sector and public sectors in Japan and overseas. He was a General Manager of Financial Crime Prevention Department of Sumitomo Mitsui Banking Corporation (“SMBC”) and began his career at the Mitsui Bank, currently SMBC, in 1988, where he served in various sections in domestic and overseas offices like New York, London and Dubai, in planning, marketing and compliance.
Mr. Ozaki earned his Master of Business Administration from Stern School of Business, New York University and Bachelor of Economics from the University of Tokyo, and he is a Certified Anti-Money Laundering Specialist (“CAMS”). He is also the member of Japan Association of International Security and Trade, Chartered Member of the Securities Analysts Association of Japan, and Certified International Investment Analyst.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
Alexander Malaket
AML/CFT Consultant, Trade & Supply Chain Finance Program / President, Asian Development Bank / OPUS Advisory Services International

Alexander R. Malaket, CITP, CTFP, GTP-E, is President of OPUS Advisory Services International Inc., Toronto, Canada, as well as Partner at ESG Validation Ltd., London, UK and Founding Partner, Prism Global Partners LLP, London, UK. Activities across the firms focus on trade, logistics and supply chain, trade-related financing and risk, as well as trade-related policy and international development, in addition to sustainability and ESG in trade, capital markets and policy. Alexander advises several FinTech start-ups around the world, and engages in top-level advocacy through the UN, the B20/G20 processes, the WTO and other organisations.
Alexander undertakes a range of advisory engagements from global strategy to technology, operating model and business case analysis to business process reviews, AML/CFT and financial crime compliance and related. Malaket has researched and authored thought leadership reports, program assessments and reviews, public and international policy reports and has participated in or chaired numerous international initiatives for industry bodies and other institutions.
Mr. Malaket is an internationally recognized expert, contributing regularly to industry publications. Alexander speaks and chairs panels at top-tier conferences and events around the world and is the author of “Financing Trade and International Supply Chains”, Gower/Ashgate Publishing, UK 2014 (now Taylor & Francis, UK).
Chon Yoong Lai
AML & Sanctions Expert, Ant Group

Chon Yoong has joined Ant Group as an AML & Sanctions Expert in 2021, focusing on international AML and Sanctions business governance.
He used to be working in Standard Chartered Bank (SCB) over ten years for several units including business finance, global digital alliances and global personal & preferred segment. He has been focusing on performance management, retail product value propositions, mobile payment initiative partnered with listed telecommunication company and cost optimisation initiatives throughout Retail Bank, Private Banking and SME Segment. The last role was to lead project, process and governance team for various risk exposures including AML, Sanctions, FATCA, CRS, Tax Compliance, Fraud Risk, Cyber Security, Data Privacy and Operational Risk. His main objective is to ensure mentioned risk exposures are mitigated with automated systems and better monitoring processes.
Prior to joining SCB, Chon Yoong has worked for PricewaterhouseCoopers (PwC) over four years as an external auditor covering several listed groups of companies in oil & gas, pipe lining, construction and property development industries.
Hiroshi Ozaki
Director, AML/CFT Policy Office, Strategy Development & Management , Financial Services Agency

Hiroshi Ozaki, CAMS, Director, AML/CFT Policy Office, Strategy Development and Management Financial Services Agency, Japan Mr. Ozaki joined Financial Services Agency, Japan (“JFSA”) on February 1, 2018 as a Director of AML/CFT Policy Office which was newly established in the JFSA in February 2018 in order to enhance the control of risk of money laundering and terrorist financing (“ML/FT”) and establish a more effective regime to combat ML/FT in the Japanese financial industry. Prior to joining the FSA, Mr. Ozaki had been working for thirty years in private financial sector and public sectors in Japan and overseas. He was a General Manager of Financial Crime Prevention Department of Sumitomo Mitsui Banking Corporation (“SMBC”) and began his career at the Mitsui Bank, currently SMBC, in 1988, where he served in various sections in domestic and overseas offices like New York, London and Dubai, in planning, marketing and compliance.
Mr. Ozaki earned his Master of Business Administration from Stern School of Business, New York University and Bachelor of Economics from the University of Tokyo, and he is a Certified Anti-Money Laundering Specialist (“CAMS”). He is also the member of Japan Association of International Security and Trade, Chartered Member of the Securities Analysts Association of Japan, and Certified International Investment Analyst.
Ravin Gill
Senior Policy Advisor, AML/CFT | Expert Speaker
Ravin Gill is the Senior Policy Advisor at Regulatory Body in Malaysia with several years of experience working on issues of anti-money laundering, terrorist financing, corporate policy, serious crime investigation, regulatory governance, and anti-corruption. Presently, she is member of the taskforce group focusing on the revision of FATF’s Recommendation 24 on beneficial ownership. She participated in the FATF’s PGD meetings on the revision to Recommendation 24 and its Interpretative Notes.
In 2010, she became the Head of AML/CFT policy group and Sub- Committee on Non-Profit Organisations. She was appointed for two terms as Co-Chair of APG Typologies Working Group and in 2011 was appointed as a Co-chair for Joint FATF/APG Typologies Workshop. She worked closely with APG Secretariat in developing the APG’s Typologies report on NPO Vulnerability. She has also worked closely with many other international organisations such as UNCTED, APEC and Global Center on Cooperative Security in various projects on Non-Profit Organisations Sector and Counter Terrorism Financing.
A lawyer by profession, Ms. Gill has nearly 20 years of experience in various capacity-building projects and has delivered hundreds of trainings in areas of corporate regulation (anti-money laundering, corporate governance, anti-corruption and ESG) policy and practice. Her prior work includes her involvement in developing legislation on beneficial ownership for the legal persons in Malaysia, assessing and evaluating the robustness of the policies. In her recent projects, she is conducting research on ESG and its impact on legal persons.
12:50 pm to 1:05 pm SGT
“Perpetual KYC” – Are we Thinking Broad Enough?
Perpetual KYC (P-KYC) has become a catch-all term to solving the client review problem, but it offers scope to create a sustainable and scalable process.
- How by adopting an Event Management Framework and a Virtual Analyst is necessary to ease the burden of reviews
- Keep the operational book of work focused on genuine key risk factors and Bring materiality to heart of decision making
- STP things of minimal consequence; Manage the evolution of policy through the review cycle and Achieve additional gains through homogenisation of risk types
Cengiz Kiamil
VP Strategy, Fenergo

Cengiz joined Fenergo in August 2021 to head up its Strategy Division. He brings with him a wealth of subject matter expertise across Commercial, Corporate, and Institutional banking in addition to Digital Strategy and Innovation experience across the Financial Services industry. He joins us from Standard Chartered Bank in Singapore, where he spent five years, most recently as Executive Director and Head of Product Management in the CCIB COO office. Prior to this Cengiz spent over six years across Hong Kong and London with HSBC holding several roles during his tenure, Including Business Management, and Global Product Manager for the GBM Client Management Group. Cengiz holds a BSc in Economics from the University of East Anglia.
1:05 pm to 1:15 pm SGT
Audience Q&A
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Cengiz Kiamil
VP Strategy, Fenergo

Cengiz joined Fenergo in August 2021 to head up its Strategy Division. He brings with him a wealth of subject matter expertise across Commercial, Corporate, and Institutional banking in addition to Digital Strategy and Innovation experience across the Financial Services industry. He joins us from Standard Chartered Bank in Singapore, where he spent five years, most recently as Executive Director and Head of Product Management in the CCIB COO office. Prior to this Cengiz spent over six years across Hong Kong and London with HSBC holding several roles during his tenure, Including Business Management, and Global Product Manager for the GBM Client Management Group. Cengiz holds a BSc in Economics from the University of East Anglia.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Cengiz Kiamil
VP Strategy, Fenergo

Cengiz joined Fenergo in August 2021 to head up its Strategy Division. He brings with him a wealth of subject matter expertise across Commercial, Corporate, and Institutional banking in addition to Digital Strategy and Innovation experience across the Financial Services industry. He joins us from Standard Chartered Bank in Singapore, where he spent five years, most recently as Executive Director and Head of Product Management in the CCIB COO office. Prior to this Cengiz spent over six years across Hong Kong and London with HSBC holding several roles during his tenure, Including Business Management, and Global Product Manager for the GBM Client Management Group. Cengiz holds a BSc in Economics from the University of East Anglia.
1:15 pm to 1:45 pm SGT
Panel Discussion - Leveraging Disruptive Technologies to Enhance AML and Financial Crime Compliance
- Understanding current trends, emerging tech and changing business needs to manage financial crime risks
- Review recent regulatory enforcement actions and consider possible compliance approaches
- What makes for a great AML compliance program
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Amit Ghosh
Global Chief Information & Services Officer , R3

Amit is the global Chief Information & Services Officer for R3. He leads the global operations organization that is responsible for information security, infrastructure and IT operations, customer operations & professional services and support. In addition to his global role, he also leads R3’s business and growth in Asia Pacific. Prior to R3, he held various senior business development & operations roles at Visa, PayPal & Hewlett Packard. He holds an MBA from Chicago Booth and a B.Tech from IIT-BHU. He is based in Singapore.
Eric Wan
Head of FCC Controls , Mox Bank

Eric is a Financial Crime Compliance expert and a Certified Public Accountant with the professional qualifications of CAMS, CAMLP and HKICPA in Hong Kong. He has been working in the compliance and audit industry for more than 15 years, and taking various roles in country and regional roles in local and international banks. Currently, he is the Head of FCC Controls at MOX Bank Limited, striving for an efficient and smart way to fight financial crimes through Regtech.
Dante Fuentes
Adviser to the Board, Association of Bank Compliance Officers

Mr. Dante Fuentes is a Certified Public Accountant, Certified Fraud Examiner, and Certified Anti-Money Laundering Specialist with over 40 years banking experience and consultant of 3 banks and 1 fintech company.
Dante is an Accredited Trainer on Anti-Money Laundering Act (AMLA) and Terrorist Financing Prevention and Suppression Act (TFPSA) and other issuances of the Anti-Money Laundering Council holding a Certificate of Accreditation CRN AT-0007 and has lectured and acted as resource person in the countries of Bhutan, Malaysia, Myanmar, Singapore, and Thailand.
He is the president of the Association of Certified Fraud Examiners – Philippine Chapter since 2014 and a Senior Adviser of the Good Governance Advocates and Practitioners of the Philippines since 2013. Dante served as president of the Association of Bank Compliance Officers, Inc. (ABCOMP) from 2006 to 2018. He currently serves as one of the advisers to the Board of ABCOMP.
Dante is a member of the Association of Certified Fraud Examiners (ACFE) based in Houston, Texas, USA; Association of Certified Anti-Money Laundering Specialists (ACAMS) based in Miami, Florida, USA; and Society of Corporate Compliance and Ethics (SCCE) based in Minneapolis, Minnesota, USA.
Pradeep Kochar
Global Head, ICG AML KYC Quality Execution & Strategy, Citi

Pradeep Kochar has 18+ years of experience in banking and financial services, spanning across FCC compliance, AML operations, Quality Assurance and client experience. Currently working with Citi as ISG – Global Head of Quality Assurance & Cross border clearances.
He manages 7 key functions across 100+ countries and covers the work of ~9000 employees. Pradeep is an expert on FCC control frameworks and successfully led implementation & validation of various regulatory projects.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Amit Ghosh
Global Chief Information & Services Officer , R3

Amit is the global Chief Information & Services Officer for R3. He leads the global operations organization that is responsible for information security, infrastructure and IT operations, customer operations & professional services and support. In addition to his global role, he also leads R3’s business and growth in Asia Pacific. Prior to R3, he held various senior business development & operations roles at Visa, PayPal & Hewlett Packard. He holds an MBA from Chicago Booth and a B.Tech from IIT-BHU. He is based in Singapore.
Eric Wan
Head of FCC Controls , Mox Bank

Eric is a Financial Crime Compliance expert and a Certified Public Accountant with the professional qualifications of CAMS, CAMLP and HKICPA in Hong Kong. He has been working in the compliance and audit industry for more than 15 years, and taking various roles in country and regional roles in local and international banks. Currently, he is the Head of FCC Controls at MOX Bank Limited, striving for an efficient and smart way to fight financial crimes through Regtech.
Dante Fuentes
Adviser to the Board, Association of Bank Compliance Officers

Mr. Dante Fuentes is a Certified Public Accountant, Certified Fraud Examiner, and Certified Anti-Money Laundering Specialist with over 40 years banking experience and consultant of 3 banks and 1 fintech company.
Dante is an Accredited Trainer on Anti-Money Laundering Act (AMLA) and Terrorist Financing Prevention and Suppression Act (TFPSA) and other issuances of the Anti-Money Laundering Council holding a Certificate of Accreditation CRN AT-0007 and has lectured and acted as resource person in the countries of Bhutan, Malaysia, Myanmar, Singapore, and Thailand.
He is the president of the Association of Certified Fraud Examiners – Philippine Chapter since 2014 and a Senior Adviser of the Good Governance Advocates and Practitioners of the Philippines since 2013. Dante served as president of the Association of Bank Compliance Officers, Inc. (ABCOMP) from 2006 to 2018. He currently serves as one of the advisers to the Board of ABCOMP.
Dante is a member of the Association of Certified Fraud Examiners (ACFE) based in Houston, Texas, USA; Association of Certified Anti-Money Laundering Specialists (ACAMS) based in Miami, Florida, USA; and Society of Corporate Compliance and Ethics (SCCE) based in Minneapolis, Minnesota, USA.
Pradeep Kochar
Global Head, ICG AML KYC Quality Execution & Strategy, Citi

Pradeep Kochar has 18+ years of experience in banking and financial services, spanning across FCC compliance, AML operations, Quality Assurance and client experience. Currently working with Citi as ISG – Global Head of Quality Assurance & Cross border clearances.
He manages 7 key functions across 100+ countries and covers the work of ~9000 employees. Pradeep is an expert on FCC control frameworks and successfully led implementation & validation of various regulatory projects.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Amit Ghosh
Global Chief Information & Services Officer , R3

Amit is the global Chief Information & Services Officer for R3. He leads the global operations organization that is responsible for information security, infrastructure and IT operations, customer operations & professional services and support. In addition to his global role, he also leads R3’s business and growth in Asia Pacific. Prior to R3, he held various senior business development & operations roles at Visa, PayPal & Hewlett Packard. He holds an MBA from Chicago Booth and a B.Tech from IIT-BHU. He is based in Singapore.
Eric Wan
Head of FCC Controls , Mox Bank

Eric is a Financial Crime Compliance expert and a Certified Public Accountant with the professional qualifications of CAMS, CAMLP and HKICPA in Hong Kong. He has been working in the compliance and audit industry for more than 15 years, and taking various roles in country and regional roles in local and international banks. Currently, he is the Head of FCC Controls at MOX Bank Limited, striving for an efficient and smart way to fight financial crimes through Regtech.
Dante Fuentes
Adviser to the Board, Association of Bank Compliance Officers

Mr. Dante Fuentes is a Certified Public Accountant, Certified Fraud Examiner, and Certified Anti-Money Laundering Specialist with over 40 years banking experience and consultant of 3 banks and 1 fintech company.
Dante is an Accredited Trainer on Anti-Money Laundering Act (AMLA) and Terrorist Financing Prevention and Suppression Act (TFPSA) and other issuances of the Anti-Money Laundering Council holding a Certificate of Accreditation CRN AT-0007 and has lectured and acted as resource person in the countries of Bhutan, Malaysia, Myanmar, Singapore, and Thailand.
He is the president of the Association of Certified Fraud Examiners – Philippine Chapter since 2014 and a Senior Adviser of the Good Governance Advocates and Practitioners of the Philippines since 2013. Dante served as president of the Association of Bank Compliance Officers, Inc. (ABCOMP) from 2006 to 2018. He currently serves as one of the advisers to the Board of ABCOMP.
Dante is a member of the Association of Certified Fraud Examiners (ACFE) based in Houston, Texas, USA; Association of Certified Anti-Money Laundering Specialists (ACAMS) based in Miami, Florida, USA; and Society of Corporate Compliance and Ethics (SCCE) based in Minneapolis, Minnesota, USA.
Pradeep Kochar
Global Head, ICG AML KYC Quality Execution & Strategy, Citi

Pradeep Kochar has 18+ years of experience in banking and financial services, spanning across FCC compliance, AML operations, Quality Assurance and client experience. Currently working with Citi as ISG – Global Head of Quality Assurance & Cross border clearances.
He manages 7 key functions across 100+ countries and covers the work of ~9000 employees. Pradeep is an expert on FCC control frameworks and successfully led implementation & validation of various regulatory projects.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Amit Ghosh
Global Chief Information & Services Officer , R3

Amit is the global Chief Information & Services Officer for R3. He leads the global operations organization that is responsible for information security, infrastructure and IT operations, customer operations & professional services and support. In addition to his global role, he also leads R3’s business and growth in Asia Pacific. Prior to R3, he held various senior business development & operations roles at Visa, PayPal & Hewlett Packard. He holds an MBA from Chicago Booth and a B.Tech from IIT-BHU. He is based in Singapore.
Eric Wan
Head of FCC Controls , Mox Bank

Eric is a Financial Crime Compliance expert and a Certified Public Accountant with the professional qualifications of CAMS, CAMLP and HKICPA in Hong Kong. He has been working in the compliance and audit industry for more than 15 years, and taking various roles in country and regional roles in local and international banks. Currently, he is the Head of FCC Controls at MOX Bank Limited, striving for an efficient and smart way to fight financial crimes through Regtech.
Dante Fuentes
Adviser to the Board, Association of Bank Compliance Officers

Mr. Dante Fuentes is a Certified Public Accountant, Certified Fraud Examiner, and Certified Anti-Money Laundering Specialist with over 40 years banking experience and consultant of 3 banks and 1 fintech company.
Dante is an Accredited Trainer on Anti-Money Laundering Act (AMLA) and Terrorist Financing Prevention and Suppression Act (TFPSA) and other issuances of the Anti-Money Laundering Council holding a Certificate of Accreditation CRN AT-0007 and has lectured and acted as resource person in the countries of Bhutan, Malaysia, Myanmar, Singapore, and Thailand.
He is the president of the Association of Certified Fraud Examiners – Philippine Chapter since 2014 and a Senior Adviser of the Good Governance Advocates and Practitioners of the Philippines since 2013. Dante served as president of the Association of Bank Compliance Officers, Inc. (ABCOMP) from 2006 to 2018. He currently serves as one of the advisers to the Board of ABCOMP.
Dante is a member of the Association of Certified Fraud Examiners (ACFE) based in Houston, Texas, USA; Association of Certified Anti-Money Laundering Specialists (ACAMS) based in Miami, Florida, USA; and Society of Corporate Compliance and Ethics (SCCE) based in Minneapolis, Minnesota, USA.
Pradeep Kochar
Global Head, ICG AML KYC Quality Execution & Strategy, Citi

Pradeep Kochar has 18+ years of experience in banking and financial services, spanning across FCC compliance, AML operations, Quality Assurance and client experience. Currently working with Citi as ISG – Global Head of Quality Assurance & Cross border clearances.
He manages 7 key functions across 100+ countries and covers the work of ~9000 employees. Pradeep is an expert on FCC control frameworks and successfully led implementation & validation of various regulatory projects.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Amit Ghosh
Global Chief Information & Services Officer , R3

Amit is the global Chief Information & Services Officer for R3. He leads the global operations organization that is responsible for information security, infrastructure and IT operations, customer operations & professional services and support. In addition to his global role, he also leads R3’s business and growth in Asia Pacific. Prior to R3, he held various senior business development & operations roles at Visa, PayPal & Hewlett Packard. He holds an MBA from Chicago Booth and a B.Tech from IIT-BHU. He is based in Singapore.
Eric Wan
Head of FCC Controls , Mox Bank

Eric is a Financial Crime Compliance expert and a Certified Public Accountant with the professional qualifications of CAMS, CAMLP and HKICPA in Hong Kong. He has been working in the compliance and audit industry for more than 15 years, and taking various roles in country and regional roles in local and international banks. Currently, he is the Head of FCC Controls at MOX Bank Limited, striving for an efficient and smart way to fight financial crimes through Regtech.
Dante Fuentes
Adviser to the Board, Association of Bank Compliance Officers

Mr. Dante Fuentes is a Certified Public Accountant, Certified Fraud Examiner, and Certified Anti-Money Laundering Specialist with over 40 years banking experience and consultant of 3 banks and 1 fintech company.
Dante is an Accredited Trainer on Anti-Money Laundering Act (AMLA) and Terrorist Financing Prevention and Suppression Act (TFPSA) and other issuances of the Anti-Money Laundering Council holding a Certificate of Accreditation CRN AT-0007 and has lectured and acted as resource person in the countries of Bhutan, Malaysia, Myanmar, Singapore, and Thailand.
He is the president of the Association of Certified Fraud Examiners – Philippine Chapter since 2014 and a Senior Adviser of the Good Governance Advocates and Practitioners of the Philippines since 2013. Dante served as president of the Association of Bank Compliance Officers, Inc. (ABCOMP) from 2006 to 2018. He currently serves as one of the advisers to the Board of ABCOMP.
Dante is a member of the Association of Certified Fraud Examiners (ACFE) based in Houston, Texas, USA; Association of Certified Anti-Money Laundering Specialists (ACAMS) based in Miami, Florida, USA; and Society of Corporate Compliance and Ethics (SCCE) based in Minneapolis, Minnesota, USA.
Pradeep Kochar
Global Head, ICG AML KYC Quality Execution & Strategy, Citi

Pradeep Kochar has 18+ years of experience in banking and financial services, spanning across FCC compliance, AML operations, Quality Assurance and client experience. Currently working with Citi as ISG – Global Head of Quality Assurance & Cross border clearances.
He manages 7 key functions across 100+ countries and covers the work of ~9000 employees. Pradeep is an expert on FCC control frameworks and successfully led implementation & validation of various regulatory projects.
1:45 pm to 1:55 pm SGT
Networking Break and Meetings
1:55 am to 2:10 pm SGT
Mitigate Fraud Risk & Manage AML compliance smarter with Graph Analytics, Machine Learning & Financial Crimes Tool Kit
- Increase Fraud Detection by 11% on average by combing Graph + AI and Visualization
- Exploring and understanding client profiles, relationships, networks and patterns using the existing data set
- Visualise deep-link analysis to uncover connections among people, devices, credit cards and bank accounts to prevent fraudulent transactions in real-time
Noah Liot
Director, Financial Services APJ , TigerGraph

Noah has spent the last five years deploying graph technology & analytics at the core of an event-driven financial intelligence platform. He has more than a decade of experience in applied mathematics, data science, and technology in financial applications and worked for several years as a high-frequency trader, quant, and consultant in those fields where he delivered solutions to many Financial Services enterprises. He specialises in bringing multi-disciplinary and innovative technology-based solutions to challenging problematics, focusing on Analytics & Complex Systems in Financial Institutions and FinTech.
Noah holds an MSc in Financial Markets from EDHEC Business School, an MBA and BBA from ESLSCA Business School and the equivalent to an MPS Software Architecture at the RNCP. He also passed more than 20 Certifications in AI/ML, Graph, data science, and technology.
2:10 pm to 2:20 pm SGT
Audience Q&A
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Noah Liot
Director, Financial Services APJ , TigerGraph

Noah has spent the last five years deploying graph technology & analytics at the core of an event-driven financial intelligence platform. He has more than a decade of experience in applied mathematics, data science, and technology in financial applications and worked for several years as a high-frequency trader, quant, and consultant in those fields where he delivered solutions to many Financial Services enterprises. He specialises in bringing multi-disciplinary and innovative technology-based solutions to challenging problematics, focusing on Analytics & Complex Systems in Financial Institutions and FinTech.
Noah holds an MSc in Financial Markets from EDHEC Business School, an MBA and BBA from ESLSCA Business School and the equivalent to an MPS Software Architecture at the RNCP. He also passed more than 20 Certifications in AI/ML, Graph, data science, and technology.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Noah Liot
Director, Financial Services APJ , TigerGraph

Noah has spent the last five years deploying graph technology & analytics at the core of an event-driven financial intelligence platform. He has more than a decade of experience in applied mathematics, data science, and technology in financial applications and worked for several years as a high-frequency trader, quant, and consultant in those fields where he delivered solutions to many Financial Services enterprises. He specialises in bringing multi-disciplinary and innovative technology-based solutions to challenging problematics, focusing on Analytics & Complex Systems in Financial Institutions and FinTech.
Noah holds an MSc in Financial Markets from EDHEC Business School, an MBA and BBA from ESLSCA Business School and the equivalent to an MPS Software Architecture at the RNCP. He also passed more than 20 Certifications in AI/ML, Graph, data science, and technology.
2:20 pm to 2:35 pm SGT
Track A
Financial Crime Compliance Challenges and Strategies in the Covid-Era
- How COVID-19 pandemic creates financial crime vulnerabilities
- Pandemic-related financial crime risks and threats
- Applying additional measures, re-designed to cope with the pandemic period and pandemic-centric financial crimes compliance program
Olivia Yip
Director, Compliance & AML/CTF , Sumitomo Mitsui Banking Corporation

Olivia is currently the Director of Compliance & AML/CTF at Sumitomo Mitsui Banking Corporation based in Sydney. She is a seasoned compliance practitioner in the banking & finance industry holding professional qualifications: Dual-Qualified Lawyer (admitted in Australia, Hong Kong), Chartered Secretary, Chartered Governance Professional (FGIA FCG), LLM (European & Comparative Law), CAMS, CGSS, CFE, ACSI, IOC (UK).
She has a proven track record of proactive engagement with key financial services regulators and familiarity with cross-border regulations in the Asia-Pacific region: Australia (APRA, ASIC, AUSTRAC); Hong Kong (HKMA, SFC); Singapore (MAS).
Olivia is an advocate of global mindset with career footprint spanning international financial centres in Asia, Europe and Oceania including London, Hong Kong, Singapore, Beijing, Sydney, Amsterdam, Brussels.
Track B
Enhanced Transaction Monitoring Solutions
- Use cases of AI / ML in Transaction Monitoring
- Importance of feeding the right data into TM systems
- Leveraging the power of cloud computing
Lee Ashmore
Global Head of AML Technology & Financial Crime Technology Head - Asia Pacific, HSBC

Lee joined HSBC in the UK in 1997 and has since held several IT roles in the UK, Brazil, India and Hong Kong. Lee has been based in Hong Kong since June 2010 where his most recent role has been as the Head of Financial Crime Risk IT for Asia Pacific, the largest and most important region for HSBC Group. In this role, Lee was responsible for rolling out the compliance systems that helped HSBC meet its Deferred Prosecution Agreement commitments. Lee was also appointed as the Global Head of Anti-Money Laundering Technology for HSBC at the beginning of January 2018, in addition to his regional role.
2:35 pm to 2:45 pm SGT
Audience Q&A
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Olivia Yip
Director, Compliance & AML/CTF , Sumitomo Mitsui Banking Corporation

Olivia is currently the Director of Compliance & AML/CTF at Sumitomo Mitsui Banking Corporation based in Sydney. She is a seasoned compliance practitioner in the banking & finance industry holding professional qualifications: Dual-Qualified Lawyer (admitted in Australia, Hong Kong), Chartered Secretary, Chartered Governance Professional (FGIA FCG), LLM (European & Comparative Law), CAMS, CGSS, CFE, ACSI, IOC (UK).
She has a proven track record of proactive engagement with key financial services regulators and familiarity with cross-border regulations in the Asia-Pacific region: Australia (APRA, ASIC, AUSTRAC); Hong Kong (HKMA, SFC); Singapore (MAS).
Olivia is an advocate of global mindset with career footprint spanning international financial centres in Asia, Europe and Oceania including London, Hong Kong, Singapore, Beijing, Sydney, Amsterdam, Brussels.
Lee Ashmore
Global Head of AML Technology & Financial Crime Technology Head - Asia Pacific, HSBC

Lee joined HSBC in the UK in 1997 and has since held several IT roles in the UK, Brazil, India and Hong Kong. Lee has been based in Hong Kong since June 2010 where his most recent role has been as the Head of Financial Crime Risk IT for Asia Pacific, the largest and most important region for HSBC Group. In this role, Lee was responsible for rolling out the compliance systems that helped HSBC meet its Deferred Prosecution Agreement commitments. Lee was also appointed as the Global Head of Anti-Money Laundering Technology for HSBC at the beginning of January 2018, in addition to his regional role.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Olivia Yip
Director, Compliance & AML/CTF , Sumitomo Mitsui Banking Corporation

Olivia is currently the Director of Compliance & AML/CTF at Sumitomo Mitsui Banking Corporation based in Sydney. She is a seasoned compliance practitioner in the banking & finance industry holding professional qualifications: Dual-Qualified Lawyer (admitted in Australia, Hong Kong), Chartered Secretary, Chartered Governance Professional (FGIA FCG), LLM (European & Comparative Law), CAMS, CGSS, CFE, ACSI, IOC (UK).
She has a proven track record of proactive engagement with key financial services regulators and familiarity with cross-border regulations in the Asia-Pacific region: Australia (APRA, ASIC, AUSTRAC); Hong Kong (HKMA, SFC); Singapore (MAS).
Olivia is an advocate of global mindset with career footprint spanning international financial centres in Asia, Europe and Oceania including London, Hong Kong, Singapore, Beijing, Sydney, Amsterdam, Brussels.
Lee Ashmore
Global Head of AML Technology & Financial Crime Technology Head - Asia Pacific, HSBC

Lee joined HSBC in the UK in 1997 and has since held several IT roles in the UK, Brazil, India and Hong Kong. Lee has been based in Hong Kong since June 2010 where his most recent role has been as the Head of Financial Crime Risk IT for Asia Pacific, the largest and most important region for HSBC Group. In this role, Lee was responsible for rolling out the compliance systems that helped HSBC meet its Deferred Prosecution Agreement commitments. Lee was also appointed as the Global Head of Anti-Money Laundering Technology for HSBC at the beginning of January 2018, in addition to his regional role.
Oonagh van den Berg
Managing Director, Virtual Risk Solutions

Oonagh is an industry award-winning Compliance Officer based in Hong Kong, with over 19 years of experience in law and regulation, and a mother of two.
She is recognised as a global compliance industry leader in promoting innovation, improved culture and providing access to affordable thought-provoking compliance training opportunities.
She is the founder of RAW Compliance, a global compliance social enterprise, which provides free webinars, masterclasses, training and mentoring programmes to the compliance community. She is also the Managing Director of the global compliance consultancy firm Virtual Risk Solutions VRS, which supports FinTech and Crypto firms with regulatory licensing and the development of innovative, streamlined, agile and automated compliance risk frameworks.
Passionate about improving risk typology detection on socially imperative issues such as Human Trafficking, Modern Day Slavery and Illegal Wildlife Trading, she is also involved in various industry working groups and public-private partnerships.
Olivia Yip
Director, Compliance & AML/CTF , Sumitomo Mitsui Banking Corporation

Olivia is currently the Director of Compliance & AML/CTF at Sumitomo Mitsui Banking Corporation based in Sydney. She is a seasoned compliance practitioner in the banking & finance industry holding professional qualifications: Dual-Qualified Lawyer (admitted in Australia, Hong Kong), Chartered Secretary, Chartered Governance Professional (FGIA FCG), LLM (European & Comparative Law), CAMS, CGSS, CFE, ACSI, IOC (UK).
She has a proven track record of proactive engagement with key financial services regulators and familiarity with cross-border regulations in the Asia-Pacific region: Australia (APRA, ASIC, AUSTRAC); Hong Kong (HKMA, SFC); Singapore (MAS).
Olivia is an advocate of global mindset with career footprint spanning international financial centres in Asia, Europe and Oceania including London, Hong Kong, Singapore, Beijing, Sydney, Amsterdam, Brussels.
Lee Ashmore
Global Head of AML Technology & Financial Crime Technology Head - Asia Pacific, HSBC

Lee joined HSBC in the UK in 1997 and has since held several IT roles in the UK, Brazil, India and Hong Kong. Lee has been based in Hong Kong since June 2010 where his most recent role has been as the Head of Financial Crime Risk IT for Asia Pacific, the largest and most important region for HSBC Group. In this role, Lee was responsible for rolling out the compliance systems that helped HSBC meet its Deferred Prosecution Agreement commitments. Lee was also appointed as the Global Head of Anti-Money Laundering Technology for HSBC at the beginning of January 2018, in addition to his regional role.
2:45 pm to 3:00 pm SGT
Combatting Trade-Based Money Laundering with Blockchain
- Understanding TBML as one of the most common money laundering techniques used by transnational criminal organizations
- As the industry embraces digital trade, new opportunities are arising for AML practitioners to foster greater collaboration and develop new capabilities
- Share findings from leading organisations regarding how information sharing, data analytics and emerging technology can play a greater role in enabling private-private and public-private collaboration
Henry Roxas
Head of Trade Finance , R3

Henry Roxas is Head of Trade Finance at R3, responsible for business development, product and strategy. Over the last five years, Henry has played a key role in developing R3’s ecosystem of over 85 trade and supply chain business networks on Corda, R3’s enterprise blockchain platform. Henry currently chairs the Asia Pacific Financial Forum (APFF) TBML taskforce, a group responsible for researching and putting forth policy recommendations to the APEC Finance Ministers on areas to improve the effectiveness of combating TBML, in collaboration with UNESCAP, BAFT, ICC and others.
Prior to R3, Henry has over 8 years of transaction banking and wealth management experience from several leading financial institutions, including ANZ and Bank of America Merrill Lynch.
3:00 pm to 3:10 pm SGT
Audience Q&A
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Henry Roxas
Head of Trade Finance , R3

Henry Roxas is Head of Trade Finance at R3, responsible for business development, product and strategy. Over the last five years, Henry has played a key role in developing R3’s ecosystem of over 85 trade and supply chain business networks on Corda, R3’s enterprise blockchain platform. Henry currently chairs the Asia Pacific Financial Forum (APFF) TBML taskforce, a group responsible for researching and putting forth policy recommendations to the APEC Finance Ministers on areas to improve the effectiveness of combating TBML, in collaboration with UNESCAP, BAFT, ICC and others.
Prior to R3, Henry has over 8 years of transaction banking and wealth management experience from several leading financial institutions, including ANZ and Bank of America Merrill Lynch.
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance & a mathematical science graduate in statistics from the University of Delhi. She is a Certified Anti Money Laundering Specialist (CAMS), Certified Global Sanctions Specialist (CGSS), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO), along with certifications in Compliance & AML from CISI, UK & ICA Manchester Business School, Henley Business School.
Sheetal is a well-known speaker and has delivered several speaking & training assignments in various forums, including at the University of Bradford and the University of Dubai.
She has also volunteered in the Government of India initiative, “Mentor of Change,” to educate children in rural areas of India.
Henry Roxas
Head of Trade Finance , R3

Henry Roxas is Head of Trade Finance at R3, responsible for business development, product and strategy. Over the last five years, Henry has played a key role in developing R3’s ecosystem of over 85 trade and supply chain business networks on Corda, R3’s enterprise blockchain platform. Henry currently chairs the Asia Pacific Financial Forum (APFF) TBML taskforce, a group responsible for researching and putting forth policy recommendations to the APEC Finance Ministers on areas to improve the effectiveness of combating TBML, in collaboration with UNESCAP, BAFT, ICC and others.
Prior to R3, Henry has over 8 years of transaction banking and wealth management experience from several leading financial institutions, including ANZ and Bank of America Merrill Lynch.
3:10 pm to 3:40 pm SGT
Panel Discussion - Financial Crime and AML Evolving Trends and Challenges in the Digital Age
- How digital augmentation will impact AML, compliance and fincrime intelligence across the financial space
- How financial crimes and compliance professionals can adapt to this digital day and age
- Following best practices such as integration, automation, using technology and data to drive innovation
Sheetal Bhardwaj
Financial Crime Expert | Executive Board Member, Association of Certified Financial Crime Specialists

Sheetal Bhardwaj is a seasoned Risk & Compliance professional with over 19 years of hands-on experience managing successful Compliance Programs in the MENAT region. She is presently working with one of the largest banks in the New Zealand.
She was an approved Compliance Officer & MLRO by the Central Bank of the UAE and Dubai Financial Services Authority (DFSA). As a Subject-Matter Expert, she has served in leadership roles covering various aspects of Regulatory Compliance & Financial Crime Risk, including regulatory audits & thematic reviews. She is an Executive Board Member and Communication Director of ACFCS (Association of Certified Financial Crime Specialists, US), MENA Chapter.
She is an MBA in Finance &