Howard Yu Email & Phone Number

♦ Participate in all facets of Omipay Global development and establish a company which specialises in providing foreign exchange solutions to improve the accessibility of small businesses to new markets for growth.♦ Explore new product development and review local/international industry trends to foster innovative thinking and maintain a competitive position.♦ Devised the overall strategy for Foreign Exchange Products to achieve revenue targets.♦ Enhanced processes, product design, and service proposition by identifying improvement opportunities.♦ Reviewed and optimised the profitability drivers as well as managed overall product competitiveness to drive growth.♦ Enabled small businesses and individuals to send money internationally through planning, development, and implementation of the Monix APP and coordinated closely with the IT team to improve the user experience.♦ Liaised with clients, including a leading cryptocurrency exchange and crypto hedge fund to identify their payment requirements and customised payment solutions in accordance with the client's needs.

♦ Lead all Omipay’s operations and become the first non-bank official member of UnionPay, issuing products include acquiring, FX, and debit/credit card issuing.♦ Ensure 100% adherence to laws and regulations and direct the assurance of all legal and regulatory documents field.♦ Establish various corporate partnerships, including NAB, Cuscal, American Express, Visa, MasterCard, UnionPay, Ant Financial, Tencent, WorldPay, NIUM, Banking Circle, Currencycloud, Velocity Trade, and AliPay+.♦ Build 3 App/Web products covering users in 10 countries with 2 languages by coordinating teams with different backgrounds.♦ Accelerated business growth by executing effective strategies and developing short-term goals and long-term objectives, while also coordinating closely with other executives to drive business performance.♦ Developed, managed, and coached a 30-staff team, including IT, Finance, Compliance, Operation, and Sales/Marketing across 3 cities and 2 countries to achieve defined business objectives.♦ Initiated the Payment Fintech business with the aim to reshape and modernise the financial service through technology as well as designed the full compliance framework for the business.♦ Established and sustained the relationship with local regulators, such as Australia: ASIC and AUSTRAC, China: SAFE, and Singapore: MAS to assess and mitigate regulatory issues and maintain competitive advantage.♦ Exceeded annual transaction volume by USD 1B by managing and supporting key clients from cryptocurrency exchange, crypto hedge fund, university, and aviation domain.♦ Assisted a key cryptocurrency exchange to develop an on-ramp/off-ramp fiat payment gateway in Australia and delivered advice to drive efficiency in the payment sector and mitigate risk.♦ Launched the world's first WeChat and AliPay digital wallet remittance products outside of mainland China.

♦ Established the business with no past business experience/connections, created all workflow and operation systems, and developed a 20-staff team to drive business performance.♦ Delivered information to clients on the stored value card (Cash Passport) issued by Mastercard.♦ Dealt issue and acquisition of Cash Passport by Mastercard on behalf of clients and provided advice to the customers on the key features and the benefits of the use of the product.♦ Built corporate relationships with American Express, Western Union, Moneygram, and Travelex and served over 100K customers a year.♦ Created policies and procedures for dealing non-Cash Deposits and FX banknote currencies.♦ Managed FX banknote positions/stock which included the rate setting, monitoring, and exception approvals as well as sold non-cash deposits and FX banknote currencies by leading and coordinating a team on a day-to-day basis.♦ Accelerated the sales and revenue of all products marketed by Red Rate through strategic planning and delivering marketing ideas, while also providing final approval of the campaign and the targets to the team.♦ Managed customer and supplier relationships and discussed new products and updates to the existing products that sold by Red Rate to produce sales and increase profitability.♦ Obtained an AFSL (Australian Financials Service License: 386837) and became a responsible manager.

Diploma Of Financial Services (Financial Planning)

Rg 105 Responsible Manager

Certificate Iv Financial Services (Finance/Mortgage Broking)

Bachelor Of Applied Finance, Distinction