Julia Chin is the Chief Regulatory Affairs Officer at XCube.

Prior to this, she headed the Compliance team at Hugosave, Singapore’s first Wealthcare® and savings app.

A seasoned finance industry professional, Julia has over 25 years of experience in policy implementation with a focus on client due diligence and operational risk management. She is a subject matter expert on Correspondent Banking, Securities Services, and Fintech – in the areas of Financial Crime and Regulatory Compliance.

At XCube, Julia oversees the organisation’s legal and ethical integrity by ensuring compliance with the regulations of the industry and internal policies through enhancing governance processes and building a compliance culture.

Having worked in consultancy, global banking, and regulatory entities such as Standard Chartered Bank, HSBC, Deutsche Bank, KLOFFE and KPMG, Julia has considerable experience in implementation and design standards of control frameworks in Asia and Middle East.

She is a member of the secretariat of APAC GCFFC as well as the GDF AML Working Group.

Julia is passionate about promoting financial inclusion and giving back to the community through mentoring. She is a registered volunteer with Bankers without Borders, an initiative by Grameen Foundation that aims to equip the less fortunate in developing nations with tools to alleviate problems of poverty.