Ho Chee Wai

Manages FlexM Singapore's P&L. Drives FlexM B2B sales of products/solutions (e-wallet domestic/cross-border, merchant acquiring, remittance platform, virtual accounts, collections, and Regtech - KYC/KYB, onboarding, AML/CFT screening, risk management, transaction monitoring) in Singapore and regionally.

Teaming with a group of like-minded seasoned business leaders, a.k.a Avengers, to provide advisory services leveraging on my deep domain knowledge and practitioner experience in fintech particularly in digital payments (domestic and cross-border). Let's Talk.

* Became advisor from Aug 2023 * A member of the steering committee to discuss and suggest initiatives which can benefit Remittance Association (Singapore) (RAS) members, and formulate plans in the transformation of RAS in broadening its charter.

Leading the subcommittee in fostering the development and growth of remittance and cross-border payment ecosystem in the financial sector in Singapore by working collaboratively with various stakeholders in the industry.

* Strategized and developed plans to transform Instarem into a neo-financial service provider. * Championed and launched Instarem AMAZE - Asia Pacific's first World Mastercard Debit card, which require no top-up by binding to existing bank credit and debit cards, excels in payments supporting multiple currencies with zero-margin FX, and rewards you with 1% cashback in addition to your bank rewards. * Cultivated and led team to build ecosystem of partners.

NIUM is formerly known as InstaReM Pte. Ltd. 🏆 Achieved 184% growth in Singapore transaction volume within 1st 4 months of joining, accelerating to >900% growth within 2 years. 🏆 Won the "Best Remittance Platform" Seedly award for 2 years in a row: 2020 and 2019 🏆 Won the Singapore Fintech Awards "Best Fintech Employers of the Year 2019" award * Build, manage and grow Singapore country business P&L * Demonstrate Thought Leadership through participation in local and international speaking sessions and trade shows * Hire and groom talents (marketing, sales, business development, compliance, management associates) in Singapore office * Encourage sharing of ideas and innovations within organization * Spur creative marketing initiatives to drive brand awareness, adoption and usage * Build strategic alliances with business partners to drive acquisition * Manage team to drive SME corporate sales and relationships, developing leads, conversions and sustaining usage * Initiate and spearhead integration with Singapore Networked Trade Platform (NTP) as Value-Added Service Provider in Cross-Border Payments allowing seamless workflow from trade to payments * Initiate and spearhead integration with Singapore Govtech’s MyInfo to streamline consumer sign up & eKYC processes to point of achieving straight-through account opening

Product Development and Innovation * Ideation and definition of mobile payments and mobile remittance product roadmap incorporating innovations to differentiate offerings from competitors * Establishing relevant partnerships to spearhead development of these products * Working out and seeking management endorsement of business cases and collaboration agreements * Defining best of breed business processes and customer journeys Project Management o Defining project schedules and dependencies o Rallying support from internal and external stakeholders o Managing vendors and business partners in implementing and rolling out products. o Identifying and managing risks and issues o Ensuring timely delivery and achievement of KPIs

Singtel Dash is a major revamp of the original award-winning Dash mobile finance application (both consumer as well as business apps). In this major revamp, beyond enhancing the customer experience of the existing person-to-merchant (P2M) and person-to-person (P2P) payment experiences, the Singtel Dash app augments these with Singtel Transit NFC SIM (EZ-Link) payment, overseas remittance (covering India, China, Philippines, Indonesia) as well as capabilities to top up from major bank accounts in Singapore. Chee Wai served the pivotal role as the Product Development and Programme lead on the conceptualization, implementation and deployment of the new Singtel Dash app. Chee Wai was in charge of driving: 1. Definition of the new Business Requirements factoring feedback from customers and functionalities that distinguishes Dash from competition 2. Visual design concepts together with DX team, to ensure they meet the BRD and offering the best-in-class customer experience 3. Management of app vendors, in ensuring they thoroughly understood BRD through clarification sessions and timely decision making on implementation details 4. Management of multi-matrix teams involving Product, Engineering, Architect, Marketing, Business Development, Finance, Internal Audit, Regulatory, Info Security, IS and Legal. 5. Project planning, execution and tracking to successfully meet an extremely tight deadline The Singtel Dash app was implemented on schedule and received positive customer feedback and media coverage. Chee Wai subsequently took on the mobile remittance product portfolio to make improvements on product construct and processes.

Finance Cluster - Micropayment, Mobile Payment, NFC, Extensible Business Reporting (XBRL), Cloud Banking Government Chief Information Wing

Business and IT Consulting on Financial Services