Commercially-minded and collaborative problem-solver who builds strong, trusted relationships with stakeholders based on mutual respect and understanding.
Curious and keen life-long student with a growth mindset and a proven track record of delivering successful outcomes across a wide range of banking work, including financing, negotiating bespoke master agreements, representing organisations at industry discussions, and Singapore branch-related matters.
Empathetic mentor who enables and cheerleads colleagues to be the best professional and personal versions of themselves.
Strong believer in legal education, able to confidently conduct workshops and provide training to non-legally-trained audiences on a variety of topics.
Volunteer and fund-raiser for a number of interest groups.
Overview
11
11
years of professional experience
Work History
Legal Counsel
Crédit Industriel Et Commercial
08.2023 - 02.2024
Deputy for the Head of Legal APAC, supporting the bank’s offices in Singapore, Hong Kong, and Australia.
Reviewed contracts, transactions, legal disputes, and other legal activities for the bank, ensuring that they are compliant with the bank’s policies and approvals, as well as applicable laws and regulations.
Developed and maintained the bank’s internal templates as well as policies and procedures of the legal department.
Provided training on legal-related matters to non-legal professions in the bank.
Markets Lawyer – Documentation and Advisory
Australia And New Zealand Banking Group Limited
12.2016 - 07.2023
Drafted, reviewed, and negotiated end-to-end Markets documentation which covered a range of agreement types (e.g.: ISDAs, GMRAs, and CDEAs) and jurisdictions (mainly India and Indonesia with occasional coverage of Thailand, Vietnam, Australia, Middle East, Hong Kong, Malaysia, and Singapore).
Prepared, maintained, and updated precedent legal documentation and agreements to incorporate changes in applicable law and regulations.
Consolidated and presented key terms and deviations to relevant stakeholders including senior management, for consideration, approval, and/or instructions.
Worked collaboratively with customers and internal stakeholders to balance the bank’s legal, economic, operational, and reputational risks with its commercial interests.
Worked with the Markets Legal team, external legal counsels, and other key stakeholders to ensure that the bank adheres to legal, regulatory, and bank-specific standards.
Supported the bank to achieve its revenue growth and capital savings benefits.
Worked consistently with different departments and senior stakeholders to maximise efficiencies and improve processes on relevant steering committees such as the Legal Operations Steering Committee.
Provided comprehensive legal guidance and support to cross-functional teams.
Provided concise and relevant communications and support to colleagues from other departments on applicable regulatory changes and the impact of such changes.
Conducted legal and documentation training for bank staff across multiple jurisdictions on master agreements, capacity and authority issues, etc.
Corporate Lawyer – Retail and Private Banking
Australia And New Zealand Banking Group Limited
06.2015 - 12.2016
Managed legal risks in the Retail and Private Banking segments of the bank’s Singapore branch.
Reviewed and advised stakeholders in relation to a wide range of matters, including service agreements, merchant agreements, employment law, personal data protection, audit engagement letters, lease agreements, license agreements, facility documents, customer-facing terms and conditions, marketing and promotional material, product highlight sheets, internal work instructions, and Singapore legislative changes.
Created internal policies and implement processes to comply with legislative changes.
Liaised with external counsel and internal customer service teams in relation to legal proceedings and customer disputes, to mitigate legal, reputational, and economic risks to the bank.
Associate – Banking & Finance Practice Group
Rajah & Tann Singapore LLP
08.2013 - 05.2015
Acted for a Singapore bank in relation to the grant of S$84,000,000 facilities to part finance the acquisition of land and the business of owning, operating, and managing an observation wheel in Singapore.
Acted for the borrower in relation to the grant of HK$2,400,000,000 to finance the construction of an 11-storey ramp-up modern logistics centre in Hong Kong.
Acted for a syndicate of banks in relation to a S$180,000,000 term loan facility to finance the acquisition of several shopping malls in Indonesia.
Acted for a Hong Kong issuer in its US$300,000,000 medium term note programme listed on the Singapore Exchange.
Acted for a syndicate of banks in relation to S$2.1 billion syndicated facilities to Singtel Group Treasury.
Acted as Singapore counsel in various cross-border financing transactions.
Education
Part B of The Singapore Bar Examinations - Passes in Nine Subjects
Board of Legal Education
2012
Part A of The Singapore Bar Examinations - Passes in Five Subjects; Distinction in Land Law
National University of Singapore
2011
Bachelor of Laws With Honours in Law - Second Class, Division Two
University of Nottingham
2011
GCE ‘A’ Levels - AABB in Four H2 Subjects, Pass in One H3 Subject
Catholic Junior College
2007
SATs
2007
GCE ‘O’ Levels - Four As, Three Bs, One C
Nanyang Girls’ High School
2005
Timeline
Legal Counsel
Crédit Industriel Et Commercial
08.2023 - 02.2024
Markets Lawyer – Documentation and Advisory
Australia And New Zealand Banking Group Limited
12.2016 - 07.2023
Corporate Lawyer – Retail and Private Banking
Australia And New Zealand Banking Group Limited
06.2015 - 12.2016
Associate – Banking & Finance Practice Group
Rajah & Tann Singapore LLP
08.2013 - 05.2015
Part B of The Singapore Bar Examinations - Passes in Nine Subjects
Board of Legal Education
Part A of The Singapore Bar Examinations - Passes in Five Subjects; Distinction in Land Law
National University of Singapore
Bachelor of Laws With Honours in Law - Second Class, Division Two
University of Nottingham
GCE ‘A’ Levels - AABB in Four H2 Subjects, Pass in One H3 Subject
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Junior Legal Counsel - Senior Legal Counsel at MAS Capital (Private) LimitedJunior Legal Counsel - Senior Legal Counsel at MAS Capital (Private) Limited