Ruby Chen Email & Phone Number

Sydney, New South Wales, Australia

Strategy & transformation leader across all three lines of defence, with proven experience spanning multiple industries and diverse client challenges.Sample Thought-Leadership:- VISION Future of Government interview of NSW Health Pathology CEO- Published article on Affecting Business transformation through Product Value Chain Analysis- Webinar APAC 2024.

Sydney, New South Wales, Australia

• Led large-scale engagements and secondments for top tier investment banks, commercial banks and wealth management clients to uplift their (non-financial risk) risk and controls environment, value chains management.
• Excellence: Consistent top client service and positive feedback. Awarded two client excellence awards. Over 90% utilisation
• Value creation: Developed new business value propositions in product governance, remediation governance, issues and incidents management. Starting regtech discussions across teams internally. Published.
• People: People leader with genuine interest in developing counselees and team members. Champion of graduate recruitment

• Led second line enterprise operational risk in remediation. Policy owner delegate for Westpac Group Customer Remediation Policy. Conducted close and continuous monitoring of Policy adherence, and uplifted remediation.
• Policy ownership: Co-led ASIC RG 256 review across bank. Provide advice on policy and regulatory requirements for Business remediation teams. Simplify policy architecture and refine policy requirements based on.
• Oversight: Designed and implemented quarterly Policy Monitoring thematic reviews across all segments, highlighted recognitions and gaps, tracked actions until closure. Pan-Divisional oversight of remediation programs.
• Insight: Provided independent insights on group portfolio to senior leaders

Sydney, New South Wales, Australia

• Led first line institutional bank product governance in a central unit for all institutional lines of businesses (Financial Markets, Transaction Banking, Corporate & Institutional Banking). Uplifted and implemented.
• Advisory: Interpreted and provided advice on product-related legislation and regulation (MiFID, GDPR, DDO)
• Governance: Designed, reviewed and delivered an uplifted product governance policy along with new corresponding manuals, processes, exclusion principles and other guidelines. Drafted internal reports, papers, agendas.
• Risk and compliance: Identified operational risks, oversight of complaints and derived controls for compliance with BCoP and BEAR. Drafted responses for government and regulatory enquiries from ASIC, APRA, ACCC

Sydney, New South Wales, Australia

• Strategy: Design and implement product portfolio strategic roadmap across retail, business, commercial and institutional bank of Westpac, St George, Bank of Melbourne and Bank SA.
• Project Management: Deliver projects using hybrid agile waterfall methodology for the purposes of digital enhancement, business transformation, risk mitigation, regulatory and product launch / upgrade /.
• People & Culture: Develop and empower direct report, project teams, Intern, Graduates and Product Support Managers. Foster positive team spirit to cultivate intrinsically motivated members.
• Technology: Seek and utilise best in class technology systems and platforms to reduce costs to serve and optimise CX. Enhance webpage and digital channels for better UI and UX. Establish and enhance data analytics to.
• Governance: Ensure regulatory compliance and governance through risk frameworks and product reviews.
• Stakeholder Management: Collaborate with and influence internal and external stakeholders across Relationship Banking, Group Technology, 7x channel release train teams, Strategic Sourcing, Operations, System Support.

Sydney, New South Wales, Australia

• Establish and execute portfolio strategy and product roadmap
• Manage end-to-end electronic receivables and data reconciliation portfolio across Asia-Pacific
• Product evangelist for internal Account Management and Relationship Sales teams as well as external Corporate, Institutional and Non-Banking Financial Institution (NBFI) clients
• Enhance and monetise Payments and Cash Management payables and receivables products
• Scope integration between value-add receivables reconciliation application with payables outsourcing and client monies management
• Project manage the pilot and commercialisation of cross-border products

澳大利亞 維多利亞 墨爾本

• Project manage cross-border banking implementation for inbound, outbound and multi-jurisdiction International and Institutional Banking customers throughout Asia-Pacific, Americas and Europe
• Execute ANZ’s super-regional strategy and provide seamless end-to-end on-boarding experience for efficient and effective customer transition
• Liaise with key stakeholders to coordinate Know-Your-Customer and Customer Due Diligence requirements, payments and cash products, global markets, merchants, cards and lending on-boarding requirements
• Worked offshore in ANZ New Zealand, Singapore and Taiwan

澳大利亞 維多利亞 墨爾本

• Know-Your-Customer (KYC) Due Diligence Consultant
• Consult on KYC information for internal and external stakeholders across retail, commercial and institutional banking segments
• Load and respond to enquiries specific to cross-border foreign entity complex KYC
• Conduct due diligence of cross-border individuals and entities
• Analyse jurisdiction riskAssistant Relationship Manager
• Prepare industry research of utilities, fuel, renewable energy, infrastructure and government sectors

Melbourne, Australia

• Manage the performance of a Wholesale Portfolio for Esanda car dealership financing
• Prepare high quality credit submissions, balancing risk and reward for existing relationships
• Prepare internal performance MIS reporting across all Australian states

Taipei, Taiwan

• Foreign translations / Foreign investments
• Long-term loans / Accruals / Prepayments
• Bank Reconciliations
• Cash Significant Test / Cut-off Tests

Master Of Business Administration (Mba), Ranked No. 1 In Australia In 2019 & 2017 Afr Boss Mba Rankings, Distinction

University of Sydney Postgraduate Business Leader Scholarship recipient. Consulted for not-for-profits, government, foreign biomedical.

Accounting & Finance

● Ethics & Governance ● Strategic Management Accounting ● Financial Reporting ● Taxation ● Audit ● Global Strategy and Leadership

Graduate Certificate In Management

Fully funded by ANZ Bank. ● Introduction to Financial Institutions ● Corporate Finance ● Strategy and Implementation ● Business Governance.

Bcom, Barts., Accounting, Japanese

Activities and Societies: - SPARK Entrepreneurship Club - Management Consultant Club - Tzu Chi Compassion Relief Collegiate Association

(Study Exchange) Bcom, Ba

Activities and Societies: Sumi-e Art Club, International Students ClubAwarded: - New Zealand Undergraduate Study Abroad Scholarship.