Wilson Chan

- Rebuild the policies and procedures of IT functions for the newly developed banking system with Big 4 - Successfully passed the Independent Assessment of external auditor to meet regulators requirements - Rolled out the digital brand protection and monitoring services - Conduct IS assessments for various business initiatives, such as, Instant Message chatroom services, BYOD & Mobile Device control for WFH, cloud services for file transfer, etc. - Arrange security training and phishing testing for in-house staff

My core responsibilities covers the fraud risk management policy as part of organizational goverance, formulate guidelines to cope with both internal and external fraud, perform fraud risk assessment on new products/services as well as incident investigation, develop and maintain fraud risk management system for 7 x 24 online transaction monitoring of Ebanking services (including various online platforms, ATM & Call Center) and internal fraud monitoring for branches activities, handling threat intelligence from Police, etc. Awarded : Certified Operational Risk Management Professional (CORP) by HKIB

Subordinates : 10 Responsible for overseeing the Risk & Compliance section of Channel & Transaction Management Department to ensure compliance with regulatory requirements and enterprise risk management framework

Subordinates : 5 Looking after the Technology Risk Management of the banks， such as : 1. Define the cyber security incident response framework for both IT and non-IT units， detail procedure for different units under IT and conduct drill test among various functions and group companies. 2. In charge of daily security incident monitoring and lead the eBanking Incident Response Team to handle incident. 3. Ensure compliance and control meansures of regulators’ requirements and internal standard. 4. Liaise with professional organizations to conduct simulated attacks (Red Teaming) to uplift staff and system readiness. 5. Lead Intelligence-led Cyber Attack Simulation testing (iCAST) planning and execution. Passed : CISA Exam in Sep 2016 Awarded: Certified Information System Auditor by iSACA in Jan 2017

Subordinates : 6 1. Look after the services quality & customer experience of eBanking servcices as well as establish policies and procedure to uplift the overall customer satisfaction level. 2. Collaborate with Information Security Officer to establish the security policies and control measures of eBanking platform, such as, SMS OneTime Passwords, Secured Token, e-Cert, abnormal transaction monitoring，AML, transaction notification and online servicies 3. Liaise with legal and compliance to ensure compliance with various regulators' requirements on ebanking plaftform 4. Manage services providers on pricing and services quality 5. Establish "Business Continuity Plan", conduct drill-test as well as incident management Passed : CUHK 普通話 (初，中, 高) 班 ACAMS in. April 2014

In charge of: - plan and implement of call center platform among HK and PRC - plan and implement real-time quote application - manage PRC development projects

Subordinates : 3 Job Duties: 1. Provide information support to sales and marketing and collaborate with business managers in channel management a) Monitor & project business performance for all Wealth Management products b) Formulate customer segmentation model and tracking RM & customer profitability c) Fine tune sales incentive schemes to motivate sales force and control costs 2. Develop campaign-tracking mechanism to monitor sales performance of all sales channels, including branches, Direct-Marketing, call center and Internet. 3. Manage and enhance sales database capabilities: a) Identify prospects for cross-selling and pre-approval campaign b) Keep track of sales leads on pipeline and conversion effectiveness c) Monitor sales turnover and portfolio growth through various customer behavioral analysis d) Conduct analysis and post campaigns evaluation to crystallize business knowledge and fine tune business plan 4. Work closely with Product Managers and Sales Managers to secure management control in campaign planning and implementation 5. Secure commitment from IT to ensure that MIS information requirements are met and highly integrated. Special assignment / achievements: • Transformation of sales incentive scheme from product driven into revenue oriented which achieved lower the commission cost and total sales revenue • Develop RM portfolio model to assign customer with appropriate relationship manager according to portfolio characteristic and profitability • Take-over foreign-exchange services (FES) from regional team and formulate FES P&L model

Subordinates : 2 Job Duties: 1. Drive the development and implementation of online banking a) Identify and evaluate electronic channels business opportunities with focus in business process and customer experience b) Devise strategies to migrate customers away from expensive branch channel to internet channel where appropriate and cost effective c) Prepare business cases and requirements on channel development and migration projects d) Work closely with other e-team partners in US, Asia Pacific to build global platform Citibank.com and tools for Citigold and Citibank online services e) Liaise with IT on the development of the technical requirements f) Implement channel pricing for products and services over the internet in consultation with business lines i) Manage project progress within time frame and resources constraints j) Benchmark with competitors on response time, service coverage and usability to maintain competitiveness of Citibank electronic services k) Share successful stories and experience in Asia Pacific Regional 2. Develop and monitor day-to-day email marketing a) Introduce and evaluate workflows for online MGM, RSVP, survey and campaign management b) Identify prospects for electronic direct-mailing (eDM) campaign and estimate campaign result c) Monitor sales turnover and highlight business opportunities d) Evaluate campaign results and make recommendations for improvement Special assignment / achievements: • Launch of “Citigold Online” Services with over 40% take up rate to existing customer base within 3 months • Launch of ePortal project with over 100% improvement in Citibank online response time • Liaise with Stock Exchanges (ie. HKEx, NYSE, NASDAQ) & Overseas Information providers on market data feed application and compliance requirements

Subordinates : 6 Job Duties: 1. In charge of online banking development and implementation a) Prepare business case and requirements for channel migration projects b) Consolidate and priorities user requirements c) Oversee the overall project progress d) Design and implement web pages and functional flow e) Liaise with Legal & Compliance to meet HKMA, SFC, SEHK requirements f) Liaise with IT on the development of the technical requirements g) Liaise with Product Manager on testing of the new functionality or services h) Monitor the UAT progress and system release schedule i) Co-ordinate with Training department and frontline sales to arrange in-house communication and training j) Conduct post release review k) Monitor and control project cost against budget l) Generate and track channel revenue opportunities and find ways to reduce by migrating branch activities to internet channel m) Implement channel pricing for products and services over the internet in consultation with business lines 2. Prepare campaign promotion, tracking and evaluation: a) Identify prospects and estimate campaign result b) Manage and control the assigned marketing budget to ensure full maximization of each on-line marketing program c) Monitor sales turnover and highlight opportunities / risks d) Analyze and evaluate effectiveness of promotion campaign e) Evaluate campaign and make recommendations Special assignment / achievements: • Successfully implement e-Banking Services (online Banking Services) and e-IPO Services (online initial public offering for MTR), • Roll out AMS/3 interface in VRS, mobile banking (SIN Tool Kit) & e-Banking • Establish WAP information services and review feasibility on WAP/PDA banking services • Boost up the PIB register users to 200,000 within 2 years • Develop stickles online services, such as, Market Express services, Investor ToolBox, e-Info Services & Ecard campaigns etc.

Subordinates : 3 Job Duties: 1. In charge of Credit Card Business analysis and assist product manager to identify business opportunities through a) Market Segmentation Analysis b) Sales Tracking and Program Evaluation c) Distribution Outlets Monitor d) Customer Satisfaction Measurement e) Card Usage, Behavior and Utilization Studies f) Point System Development, Monitor and Forecasting 2. Lead the development of Chase MIS system: a) Develop and establish MIS database b) Ensure data integrity among various systems c) Arrange system downloading and formulate projection model Special assignment: • Develop a Decision Support System (DSS) for retail banking

Subordinates : 4 Job Duties: 1. Ensure accuracy, completeness, and integrity of accounting records. Provide accurate and timely reporting of financial results and management information. 2. Identify and address financial and management accounting issues, tax and other compliance matters. 3. Budgeting and forecasting for the bank. 4. Expenses control to reduce unnecessary and non-compliance spending. 5. Capital expenditure control to allocate and arrange resources to business units. 6. Ad hoc projects such as, product and branch profitability analysis, GAP monitors. Special assignment: 1. System conversion and reconciliation (from manual processing to IBM AS/400 using Kapiti for the whole bank) 2. Set up G/L interface and review accounting treatment in Kapiti

Subordinates : 2 Job Duties: 1. Develop accounting procedure/model for new products: a) Customize Management Information Database (MID) from New York b) Setup integrated Financial Management Database (FMDB) c) Modify and monitor Mortgage Securitization model for “CMNO1” d) Develop Unit Trust/ FX realization model for “CMTCO” in Singapore e) Draft accounting procedure for: • MasterCard • Assets Sales • Hire Purchase for automobile • Tax Loan (Discount Loan) 2. System liaison in regional platform (ie. Systematic) development and implementation, such as, AMIS General Ledger, Saving and Time deposit system. 3. Ensure data integrity between General Ledger and various products’ systems. 4. Ad hoc project assigned by Financial Control, such as, Exceptional pricing on time deposit studies, legal and consultation spending review.