He led and advised the implementation of Data Analytics & Performance Monitoring System in the HSBC Banking Group in Asia and UK, and Canada. Shortly after the implementation he started Strategic Planning for HSBC in Asia. He has 30 years of experience in both SME and Retail Banking and Public Finance (including ICAAP, credit/operation/market/liquidity risk management) working throughout ASEAN and conducted due diligence assignments in US and Hong Kong. He arrived in Vietnam as a consultant in 2005. In 2006, he was Senior Resident Adviser for IFC World Bank based in Mekong and Indonesia. He helped listed Sacombank on the Hochiminh City Stock Exchange, and later expanded the bank into Cambodia and Laos, and nearly into US. He sat on the IT Steering Committee of Sacombank Vietnam and was the Deputy CEO. He has since consulted for major banks in Asia and government agencies in Vietnam and in Southeast Asia. Today he runs a Digital Banking consulting practice in Singapore, with strategic partners in Asia, Australia and Silicon Valley USA. He has a PhD from the University of Bradford UK, a Certified Practice Accountant of Australia, and taken professional development at MIT-Harvard University Consensus Building Institute.