Ryan Ong Yan Tong, PMP, FRM

- Lead Current Expected Credit Loss (CECL) exercises and provide oversight for IFRS9, ensuring accurate model outputs, applying business and management overlays with logical justification, and maintaining adequacy of loss provisions through data-driven insights and management presentations. - Managed unsecured loss forecasting models (PD, EAD, Recovery, and CECL Paydown) used for stress testing (e.g. CCAR, CECL, IFRS9), covering ongoing performance assessments, overlays, annual reviews, model revalidations/redevelopments, and addressing limitations to ensure accuracy and compliance. - Collaborated with model developers and independent validators, providing business insights, challenging key assumptions, and validating model outcomes. - Oversee the monthly Cost of Credit Outlook and Annual Plan submission, ensuring accuracy and alignment between forecast results, business trends, and management targets. - Skilled in SAS EG, SQL, and VBA/Macros for data extraction, analysis, and process automation, reducing manual workload and improving reporting efficiency. - Secured a Top 5 placing out of 200+ global teams (1,000+ participants) in Citi’s Global Wealth Hackathon 2025, pitching an AI-driven KYC/AML solution to senior leadership including the Head of Wealth. The solution was subsequently brought forward with an allocated budget for implementation. - Awarded 2nd place in Citi Risk’s internal efficiency competition in 2023 for streamlining reporting processes using VBA/Macros, reducing workload and enhancing accuracy. - Engaged with external auditors during annual reviews serving as a key POC for Citibank Singapore Retail IFRS9

- Covering Commodities clients (soft, metal, energy) and Chinese corporates (MNCs) - Conduct in-depth credit analysis on new and existing borrowers and write high-quality credit memos - including researching on industry, company business profile, financial analysis, and recommending credit ratings - Selected key projects include: (i) MLAB Credit analyst for syndicated structured trade financing (USD155mio) for a leading LPG player in China (ii) MLAB Credit analyst for club deal working capital financing (>USD100mio) for leading iron ore player in China - Address and defend any credit risk concerns or financial queries raised by Risk Corporate (SCO) and Senior Management - Part of the bank’s credit modernization project as one of the key business stakeholders in APAC. Involved in UAT, data migration and process improvement - Analysing financial models and cash flows projections of borrowers to determine credit evolution and calculate financial covenants - Managing relationships with clients along with relationship managers through direct engagements to understand business challenges and financial performance - Liaising and collaborating with product partners & stakeholders across various functions including trade finance, global markets, and syndications. - Providing mentorship to new credit analysts including guidance on credit process and bank policies

APAC COO Compliance - Key point of contact for projects/products in BNPP APAC regulatory & professional ethics domain serving 13 countries - Spearheaded the delivery of multiple modules as the Product Owner in a scrum team, including leading the sprint planning, backlog grooming, demos, sprint reviews, and retrospective - Projects delivered/led include - Personal account dealing, Outside Business Interest, Licensing & Registration, Disclosure of Interest (impact >18,000 users in APAC) - Achievements: (i) Top three finalists for the inaugural APAC Compliance Innovation Awards 2018 (ii) Invited to be a speaker in a regional BNPP compliance panel to share an innovative documentation depository solution - Gathering, interpreting and standardizing user stories and business requirements to work packages for the technical (IT) team - Collaborate on project delivery with cross functional team of business analysts and IT dev team from Paris and India across different time zones - Engaged regularly with key stakeholders including senior management and subject matter specialists (Compliance, Legal, Business) - Involved in the external vendor procurement process for the bank’s disclosure of interest (DOI), including the RFP/RFQ, Proof of Concept and developing vendor evaluation matrix

- An 18 months programme where candidates are immersed within compliance divisions such as Business Line Compliance (COO), Market Integrity Compliance, Regulatory Compliance, and Financial Security Compliance - In charge of driving the system projects for the Professional Ethics function during a 3 months rotation in the COO office of Compliance. Achievements include drafting three business requirement proposals, spearheading regional discussions involving more than 13 countries in APAC, and overseeing the smooth implementation of user requirements across the entire project lifecycle. Offered the position as a project manager/BA in COO Compliance for outstanding performance at the end of rotation stint - Perform KYC/ Due diligence checks for on-boarding & recertification files including adverse media screening and corroboration on client’s source of wealth & funds - Providing ongoing post transaction monitoring based on client’s transaction profiles - Review and analyse alerted high risk sanctions and politically exposed person (PEP) alerts utilizing various tools such as Norkom, Sun Ficrosoft and Safewatch - Build and enhance the statistical tools used to track the alerts generated in Safewatch. Time taken to generate the statistics was significantly reduced from hours to mere minutes . - Using VBA to reduce the data entry, extraction and reporting processes by more than a third. - Develop easy to follow step-by-step training tools and pictorial guides for new joiners - Part of the BNPP ambassadors team in charge of planning and executing the inaugural BNPP family day 2017.

- Developed a P&L model to forecast the performance of a pre-launch credit card targeting the mass affluent segment - Engaged in cross department research/training and conducted a thorough market and financial analysis to find out about the possibilities of launching a digital wallet as part of the Structured Internship Project - Assist the product and senior managers in developing training tools, marketing campaigns and portfolio management analysis - Support the senior management team in preparing presentation materials (e.g competitor analysis, pitching books & presentation slides) - Using decision trees to make judgement on Credit waiver requests and other exemptions

- Acquired in-depth knowledge of risk management products and financial instruments such as investment-linked plans and life insurance products (CMFAs qualifications) -Responsible for conducting company due diligence on prospective corporate clients to find out more about their financial security needs and working with the financial advisors for recommendations - Assisted and accompanied the financial advisors to client meetings. Gained valuable insights on relationship management and effective negotiation - Responsible for direct client acquisition through engaging in cold-calling and roadshows.

Handled a range of customer service responsibilities which include dealing with problems related to domestic workers issues, queries related to the domestic worker industry as well as scheduling the domestic worker arrival and their settling in program.

Handled the daily operations of a retail outlet

Winter Exchange