Mr. Yong has over 30 years of experience in risk management across both unsecured and secured banking products. He has held key roles in fraud investigation, compliance, credit, and chargeback management, and has advised financial institutions in Malaysia and Indonesia during his time at Visa International.

He has worked closely with law enforcement and regulatory bodies to combat card fraud, and served on the Asia Pacific Fraud Advisory Councils of Visa and MasterCard. His deep expertise continues to drive value in fraud prevention and risk control.

Jenny Sim is an accomplished compliance and transformation executive with over 20 years of experience in the financial services sector, specialising in regulatory compliance, operational risk management, and large-scale organisational transformation. As a Certified Project Management Professional (PMP) and SCRUM Master, she has a distinguished record of leading and implementing regulatory and operational readiness programmes, including the establishment and licensing of new banking entities in Singapore in close collaboration with regulatory authorities.

She is committed to upholding the highest standards of governance, integrity, and operational excellence in all aspects of compliance leadership.

Jennifer Tan is a seasoned leader with over 34 years of experience in banking and financial services. As General Manager, she oversees sales strategy, business planning, and strategic partnerships to drive growth and strengthen market presence.

Previously, she served as Senior Manager at EZ-Link, where she led key initiatives including the roll out of CEPAS card acceptance, the launch of the EZ-Link Digital Wallet, and the expansion of the merchant network across Singapore.

Jennifer is known for her customer-focused leadership, strong execution, and ability to build high-performing teams. Her expertise spans digital product development, merchant acquisition, and strategic partnerships.

Sulamita Lung is a fintech strategist with over 7 years of experience in building comprehensive payment ecosystems for leading payment facilitators. She holds a Postgraduate Diploma in Strategic Business IT and leads the development of end-to-end solutions, covering gateway integration, risk management, compliance, and operational scalability.

She is known for identifying systemic improvements and translating technical insights into effective business strategies. With deep expertise in fintech operations and regulatory frameworks, Sulamita focuses on bridging technology and business to empower merchants through scalable and secure payment innovations.