A seasoned financial industry professional with over 25 years of experience under her belt, with focus on risk management and compliance. She is passionate about innovative process re-engineering and change management, and is an advisor on data analysis, remediation and digital transformation in the areas of risk management and compliance. She got her start in a Big-Four, and has since worked in consultancy, global banking and regulatory entities. This includes being involved in the implementation and design standards of risk and control frameworks in Asia and Middle East. On a personal level, Julia is an advocate for financial inclusion and seeks to drive stronger cooperation between all parties in building a strong, robust financial ecosystem. She believes that the evolving fintech ecosystem will have the capability and dexterity in facilitating a more financially inclusive society. She is a registered volunteer with Bankers without Borders under the Grameen Foundation, whose mission is to combat poverty worldwide. She is also a member of the AML Working Group of Global Digital Finance, which is an association advocating and accelerating the adoption of best practices for digital assets. Lastly, she also volunteers as a mentor for young compliance professionals with RAW Compliance, a social enterprise.