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 Top Risks- VISION Future of Money interview with Westpac Institutional Bank Global Transaction Services Managing Director Head of Products- Webinar Risk Reporting Unleashed: Tech, Tools & Tactics- VISION Future of Money podcast interview with CBA General Manager of High Value Payments- VISION Future of Money Video Interview with Swift's Head of Oceania - Australia Financial Review (AFR) article on Managing Risk and Rewards in Digitised Financial System- Published article on Australian Regulatory Projects need more Product Manager supportSample client projects:- Design, implement and embed new target operating model through value chain process analysis, strategy refresh, operational efficiency review, alignment to risk appetite review- Enforceable undertaking support and CPS 230 operational resilience. - Enterprise risk management transformation- Strategic roadmap for governance and operational uplift initiatives- Artificial Intelligence (AI) application and use casesAwards:- 2 x Anytime Anywhere Awards in Protiviti Australia- iOnGrowth campaign winner Sydney categoryEvents invited to:- Guest speaker to Line 2 team at global insurance company - Risk Management Association (RMA) panel discussion facilitator on future of payments featuring JP Morgan, CBA and Swift- Women in Banking and Finance (WiBF) Awards Ceremony- CISO Sit-Down Sydney

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, product governance, breach reporting, issues and incidents management, policy governance, target operating model design and (financial risk) review of contingency funding and recovery plan tests, treasury liquidity regulatory transformation● 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 thought-leadership article: Financial Institutions – have you embedded a robust product governance ecosystem? (see link below)● 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 governance across Westpac Group internationally. ● 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 Business application feedback, regulatory obligations and industry benchmarks● 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 and significant movements. Review and challenge Business methodologies, guidance, reporting and training material● 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 Product and Service Life-cycle governance across Westpac Institutional Bank globally (Asia-Pacific, Europe & Americas, Australia and New Zealand), impacting circa 1100 products and 900 staff. ● 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 and meeting minutes for the Westpac Group Board, Group Risk committees, Governance committees and Executive Leadership forums ● 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 / decommissioning. Present updates at steering committees and pricing committees with senior leaders including General Managers, Executive Directors and Department Heads.● 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 support prospective and ongoing growth initiatives.● 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, Legal, Financial Crime, Compliance, Marketing, vendors and strategic partners. Liaise with RBA, central banks globally, SWIFT and correspondent banks.Conferences:SIBOS 2018Women in Payments SymposiumTATA Consulting TCS Asia-Pacific SummitFST Future of Financial Services

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● Develop with our Sales teams a new marketing campaign based on product simplification and competitor analysis● Liaise with internal Technology teams and external IT vendors for product configuration ● Liaise with Risk, Legal and Marketing to publish external marketing materialPortfolio of achievements:● Increased sales pipeline by 45% from FY14● Designed and conducted 3 levels of product sales training courses 20 times for approximately 200 staff across all major states of Australia, NZ and Taiwan● Established an incident management framework and reduced product escalations by 30%● Streamlined receivables on-boarding processes and reduced implementation period by 50%● Scoped and delivered product maintenance release● Pioneered integrated products and business analytics dashboard for internal and external client use

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 ● Compile multinational client investment presentations● Excel-modelling and graphical representations of data● Analyse client risk and prepare credit submissions● Prepare Chinese Business Culture Presentation to bridge cross-cultural awarenessTransaction Banking Analyst● Analyse client working capital and make recommendations on working capital improvements● Prepare and present transaction banking sales reviews● Support Receivables product development for corporate and institutional clients

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.