Andy Kong
Banking Professional
Summary
Accomplished banking professional with extensive experience in client service, relationship management, credit administration, and business management. Proven track record in ensuring client satisfaction, team building and leadership, and driving transformative initiatives.
Overview
12
12
years of professional experience
1
1
Certification
1
1
Language
Work History
Vice President, Client Service, Wealth Management
JPMORGAN CHASE BANK, N.A.
10.2019 - 10.2020
- Headhunted by JPM to manage specialised portfolio that was relocated to Singapore
- Offered customised solutions and continuous support to select group of ultra-high net worth clients in Taiwan, Hong Kong, and China
- Served as senior contact, oversaw daily relationship management, ensuring prompt, proactive client service to drive satisfaction, new business, and retention
- Partnered with Wealth Advisors to devise strategies for acquiring new business, driving revenue growth
- Managed and executed loans, deposits, cashflow and securities transactions
- Monitored credit covenants to ensure continuous client compliance with requirements
- Assisted clients with payments, managed inquiries, and assessed transactions for financial crime compliance
- Provided updates on unauthorised overdrafts, prepared excess reports, resolved overdrafts, and sought approval for temporary credit limit increases
- Managed client interactions for account due diligence during onboarding and reviews, ensuring compliance with KYC and AML/CFT regulations
- Informed clients about Corporate Action events and ensured necessary actions were taken
- Served as primary contact, offering business advice and insights to project teams for enhancing processes, systems, and risk mitigation
- Ensured regulatory compliance, minimised risks, and safeguarded Bank's interests, including adherence to confidentiality, data protection, and cross-border regulations
Head of Business Process Management
CHINA CITIC BANK INTERNATIONAL LIMITED
06.2018 - 10.2019
- Promoted to establish and manage Business Process Management
- Led team of Relationship Service Managers to nurture and oversee key business relationships with ultra-high net worth individual and corporate clients
- Partnered with Relationship Managers to devise revenue-generating and marketing strategies for new business acquisitions
- Managed key aspects of business operations including overseeing business pipelines, monitoring performance, engaging stakeholders, supervising finances, and driving business, and process initiatives
- Partnered with Compliance to devise KYC procedures, resolving process and control issues
- Performed independent KYC assessments and approved client onboarding and reviews
- Served as primary contact for client due diligence escalations
- Provided KYC training for Relationship Managers, ensuring compliance with Bank and regulatory standards
- Served as bank’s representative in discussion with MAS and auditors, addressing observations on business practices. Guided department in resolving audit findings
- Served as bank's lead representative for bank-wide project delivery and implementation
- Partnered with ABS members to establish industry standard workflows and procedures, ensuring compliance with best practices and regulations
- Collaborated across functions for regular business process reviews, implementing action plans to enhance efficiency, effectiveness, and mitigate risks
- Reviewed and updated standard operating procedures to address evolving developments for business adherence.
Head of Account and Loan Operations
CHINA CITIC BANK INTERNATIONAL LIMITED
05.2016 - 06.2018
- Promoted to establish and manage Account and Loan Operations
- Led team overseeing account services and loan operations, fostering client relationships, ensuring seamless operations and timely tasks completion
- Collaborated with Business and Compliance on client due diligence, devising action plans to mitigate financial crime risks and ensure regulatory compliance
- Independently conducted client due diligence checks, assessed KYC documentation, and approved submissions for onboarding and reviews
- Led bank-wide business continuity management, overseeing procedure implementation and review with senior management to ensure policy and regulatory compliance
- Served as Bank’s lead representative for bank-wide project delivery and implementation
- Drove initiatives to enhance core banking applications, improving functionality, user experience, operational efficiency, and control
- Collaborated cross-functionally with Business, Compliance, Credit Risk, Finance and Treasury to address discrepancies and enhance operational effectiveness
- Implemented procedures to ensure compliance with internal policies and regulatory guidelines, optimising account and loan processes for accuracy and efficiency
- Performed regular RCSA to identify and mitigate risks and vulnerabilities in operational processes
- Conducted regular performance assessments to promote growth of individual team members and improve overall team performance
Senior Manager, Credit Administration and Account Services
CHINA CITIC BANK INTERNATIONAL LIMITED
09.2010 - 05.2016
- Promoted twice in 5 years: Senior Manager (Jul 2015 – May 2016), Manager (Jan 2014 – Jul 2015), Assistant Manager (Sep 2010 – Jul 2011, Dec 2011 – Jan 2014)
- Significantly contributed to bank's establishment during initiation, earning performance-based accolades
- Oversaw issuance of credit and security documents, ensuring accuracy and completeness in accordance with approved credit terms and conditions
- Served as primary liaison with external legal counsel for matters related to credit, security documentation, registration and discharge
- Collaborated with Business and Credit Risks to review credit facilities and ensure clients' compliance with all terms and conditions
- Assessed and approved KYC documentation for both client onboarding and reviews
- Managed and executed account opening, loan and deposit transactions
- Tracked and monitored loan assets, documentation, and collaterals throughout loan lifecycle
- Prepared and submitted loan and deposit reports to head office and regulators
- Analysed loan and deposit activities, providing insights and commentaries to Business, Treasury, and senior management
- Led departmental projects, defining requirements, reviewing technical specifications, coordinating UAT, and ensuring successful delivery
- Offered coaching and mentoring to team members and Relationship Managers on matters related to Credit Administration and Account Services
- Enhanced departmental processes for improved control, efficiency and effectiveness through reviews, revisions, and implementation of automated solutions.
Associate, Business and Change Management, Global Banking and Markets
ROYAL BANK OF SCOTLAND PLC
07.2011 - 08.2011
- Led change initiatives spanning Global Banking and Branches in key regions (Singapore, Hong Kong, and Australia)
- Implemented new global lending platform (Loan IQ) to streamline operations and enhance efficiency
- Standardised processes across branches in Asia to achieve optimised target operating model
- Facilitated seamless migrations and transitions of roles, functions and process across teams and locations to achieve synergy
- Provided timely project status updates to senior management and stakeholders.
Senior Analyst, Complex UK Team, Global Loan Operations
BARCLAYS CAPITAL SERVICES LIMITED
06.2008 - 09.2010
- Promoted to Senior Analyst within 2 years
- Managed syndicated and bilateral corporate loan portfolios across global regions (United Kingdom, United States, South Asia, and Japan)
- Supervised team of 6 Analysts, overseeing high-value loan portfolios
- Managed and approved all loan transactions, ensuring compliance and accuracy
- Served as primary liaison, cultivating robust relationships with key accounts to drive business expansion
- Collaborated with Mandated Lead Arranger, Facility Agent, Business, Treasury, and Credit Risk on all loan-related matters, including pricing, rate fixing, funding, credit term deviations, and covenants adherence
- Ensured full compliance of all transactions and documentation with credit agreement standards and operational controls
- Proactively resolved past dues, cash discrepancies, and data integrity issues, managing and eliminating control breaks
- Monitored credit crisis accounts to prevent increases in Bank’s exposure without proper approval
- Led executive project team to enhance existing operational model
- Collaborated with Business teams globally to standardise workflows and processes, optimising operating model
- Successfully facilitated and improved loan reporting for key accounts, recognised as significant achievement within Global Loan Operations in 2009.
Education
Bachelor of Science - Banking And Finance
University of London
04.2001 -
Associate of Science - Banking And Financial Services
Ngee Ann Polytechnic
04.2001 -
Skills
Relationship Management
undefinedAwards/Achievements
JPMorgan Chase Bank, N.A.
o Successfully migrated and integrated the Hong Kong desk’s portfolio into JPMorgan Chase Bank, N.A. Singapore Private Bank and its platforms.
China CITIC Bank International Limited
o Promoted 4 times in 9 years, including 2 team head roles.
o Awarded the 2015 International STAR Group Gold Award for successful implementation of bank-wide system enhancements to address regulatory requirements.
o Awarded the 2014 International STAR Gold Award for client service excellence.
o Successfully established 3 functions – Business Process Management, Account and Loan Operations, and Credit Administration and Account Services – defining workflows, processes and procedures.
o Successfully integrated core banking applications from Singapore Branch into the Head Office’s unified platform, achieving a significant milestone for the bank.
o Successfully initiated improvements to core banking applications, resulting in significant enhancements to operational controls and efficiency.
Certification
NA
Timeline
Vice President, Client Service, Wealth Management
JPMORGAN CHASE BANK, N.A.
10.2019 - 10.2020
Head of Business Process Management
CHINA CITIC BANK INTERNATIONAL LIMITED
06.2018 - 10.2019
Head of Account and Loan Operations
CHINA CITIC BANK INTERNATIONAL LIMITED
05.2016 - 06.2018
Associate, Business and Change Management, Global Banking and Markets
ROYAL BANK OF SCOTLAND PLC
07.2011 - 08.2011
Senior Manager, Credit Administration and Account Services
CHINA CITIC BANK INTERNATIONAL LIMITED
09.2010 - 05.2016
Senior Analyst, Complex UK Team, Global Loan Operations
BARCLAYS CAPITAL SERVICES LIMITED
06.2008 - 09.2010
Bachelor of Science - Banking And Finance
University of London
04.2001 -
Associate of Science - Banking And Financial Services
Ngee Ann Polytechnic
04.2001 -
NA
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