JFourth Solutions

🎉✨ Happy New Year 2025 from the JFourth Solutions Team! ✨🎉 As we welcome a brand-new year, we look ahead with hope, excitement, and determination. 2024 was filled with milestones, challenges, and growth, and we couldn’t have done it without the incredible support of our clients, partners, and community. Here’s to 2025 bringing new opportunities, success, and all the good things you wish for! May this year be one of prosperity, health, and happiness for you and your loved ones. Let’s continue to collaborate, innovate, and make a positive impact together. Cheers to a fantastic year ahead! 🥂🚀 The JFourth Solutions Team Amanda Yeo Yan Yin 杨颜殷 | Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Jenny Tsz Ching Tin | Jacqueline Yap | Josephine Yap ! Joshua Yap | Julia Chin 陈碧茹 | Michael Weng 翁漢麟 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #HappyNewYear #Welcome2025 #Gratitude #TogetherWeGrow #BetterTogether

5, 4, 3… Countdown begins! 🚀 Channeling our inner #Oprah with the awesome Isabelle Lessedjina as we gear up to record our #Governance, #Risk and #Compliance Programme for FinTechs and other financial institutions in emerging markets. Along the way, we're brainstorming some exciting initiatives for the future. 2025, watch out — we're coming for you! 😎 JFourth Solutions Aniz #CapacityBuilding #Fintech #GRC #AfroAsiaCoalition #Africa @#Asia

🎄✨ Merry Christmas from the JFourth Solutions Team! ✨🎄 As the year draws to a close, we reflect on the moments that have brought us together and the opportunities we’ve had to make a positive impact. This festive season, we want to express our heartfelt gratitude to our clients, partners, and community for your trust and support. May your holidays be filled with joy, peace, and cherished moments with loved ones. 🎁💖 Here’s to wrapping up the year on a high note and stepping into 2025 with renewed energy and purpose! 🚀 Warmest wishes from the JFourth Solutions Team Amanda Yeo Yan Yin 杨颜殷 | Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Jenny Tsz Ching Tin | Jacqueline Yap | Josephine Yap | Joshua Yap | Julia Chin 陈碧茹 | Michael Weng 翁漢麟 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #MerryChristmas #SeasonOfGiving #Gratitude #Thanksgiving

We are happy to have Valerie Chow our Lead Consultant #Marketing and #Branding being featured by Women Empowered Global on their Women Empowered Global interview. Read the interview on Valerie's leadership views on leadership building, motivation and empowering inclusivity. Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Jenny Tsz Ching T. | Julia Chin 陈碧茹 | Michael Weng 翁漢麟 | Muzzil Khairat | Samuel C.F. PANG

We are thrilled to share that our Lead Consultant - ESG & Sustainability and Co-Labs Global APAC ESG Education Advisor, Amanda Yeo Yan Yin 杨颜殷 has contributed her insights to the KSI Strategic Institute for Asia Pacific ("KSI"), an independent not-for-profit think tank dedicated to improving socio-economic well-being through public policy ideas, research, and strategic insight. KSI provides policy advocacy, leadership development, and strategic planning to policymakers and business leaders across the region. In her article (from page 37), Amanda explores human resource development training across #ASEAN, comparing #Malaysia with #Singapore, #Thailand, and the #Philippines. HR development in ASEAN highlights both diversity and shared priorities in addressing skill gaps and fostering lifelong learning. Here are some key takeaways from her analysis: 🔹Singapore: #SkillsFuture initiatives have significantly increased training participation. 🔹Malaysia: #HRDCorp focuses on workforce upskilling. 🔹Thailand: Public-private partnerships enhance skills application in emerging industries. 🔹Philippines: #TESDA bridges classroom learning with workplace skills. She also highlighted the challenges of ensuring equitable access, sustaining outcomes, and preparing for #Industry4_0. Amanda emphasised the importance of regional collaboration through ASEAN’s Mutual Recognition Arrangements to align certification standards, enhance trainer exchanges, and integrate ESG principles. Flexible delivery models, technology integration, and lifelong learning remain key to building a resilient, future-ready workforce. By addressing skill gaps, fostering lifelong learning, and strengthening collaboration, ASEAN can unlock its full potential. Need help with capacity building? Let’s start a conversation—talk to us at #JFourthSolutions! Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Jenny Tsz Ching Tin | Joshua Yap | Julia Chin 陈碧茹 | Michael Weng 翁漢麟 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #HumanResourceDevelopment #CapacityBuilding #SDG #ASEAN #LifelongLearning #Upskilling #FutureReadyWorkforce #Sustainability

✨ JFourth Solutions is Gearing Up for an Exciting 2025! 🚀 🚀 We are thrilled to kick off what promises to be a busy and impactful 2025 with the addition of a highly seasoned expert to our growing team! 😎 Please join us in welcoming Michael Weng 翁漢麟, our Lead Consultant – Finance and Treasury! Michael brings over three decades of experience as a seasoned corporate treasurer in international banking. He has held leadership roles in treasury, global transaction banking services, and asset-liability management across major international banks in Hong Kong and Singapore. In his previous role with a FinTech unicorn, Michael led the development of: 🔻 Financing strategies, capital structures, and investment plans aligned with corporate goals 🔻 Risk management frameworks to identify and mitigate FX, interest rate, and liquidity risks 🔻 Solutions for complex mergers and acquisitions, corporate finance, and digital transformation initiatives His remarkable achievements also include: ✅ Designing innovative bank account structures ✅ Proposing tailored hedging and funding strategies ✅ Driving successful post-IPO treasury strategies Michael’s expertise spans the Asia-Pacific region and beyond, where he has collaborated with C-suite executives and key stakeholders to deliver impactful results. Other key highlights of Michael’s impressive track record include: 🔹 Driving client-centric solutions that generated over USD 2 billion in regional deposits across APAC 🔹 Developing cutting-edge liability and liquidity products to solve clients’ liquidity constraints in restricted markets and navigate negative interest rate currencies 🔹 Establishing and managing matrix organisational structures, aligning product strategies with geographical priorities – all within tight deadlines 🔹 Spearheading new units and roles, securing critical stakeholder buy-in, mandates, and tactical solutions to deepen client relationships Michael is a critical thinker, an accomplished negotiator, and a trusted advisor who seamlessly mobilises resources, crafts win-win solutions, and ensures adherence to regulatory standards and corporate priorities. We are truly excited to have Michael on board and look forward to the expertise and leadership he brings as we continue to grow and deliver exceptional value to our clients. 🌟 Please join us in giving Michael a warm welcome to the JFourth Solutions family as we embark on an exciting journey together in 2025! Amanda Yeo Yan Yin 杨颜殷 | Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Jenny Tsz Ching Tin | Joshua Yap | Julia Chin 陈碧茹 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #WelcomeToTheTeam #Leadership #FinanceAndTreasury #JFourthSolutions #BetterTogether #AssetLiabilityManagement #Fintech #Unicorn

✨ Year of Growth, Collaboration, and Purpose ✨ As 2024 comes to a close, we at #JFourthSolutions reflect on the milestones of the past 9 months since we began operations - a transformative period of navigating new territories, forging impactful collaborations, and deepening our commitment to resilient ecosystems. 🌍 Expanding Horizons and Collaborating Across Borders Our partnerships across #SoutheastAsia, #Nepal, the #GCC region, and #Africa reaffirmed our belief in the power of ecosystems to tackle complex challenges. Here are some highlights 💫: 🔹 Registered as an #HRDC Training Provider in Malaysia, offering impactful learning programmes 🔹 Partnered with Techrida to foster sustainable growth in Nepal’s fintech sector 🔹 Collaborated with Co-Labs Global on #CollaborAction, driving dialogue on #ESG, #AI, #FinancialCrimePrevention, and #Fintech 📚 Driving Capacity Building Strengthening governance, risk, and compliance cultures has been a cornerstone of 2024: 🔸 Delivered workplace learning sessions across diverse industries 🔸 Conducted anti-bribery, corruption workshops, and bespoke training for boards and leadership 🔸 Presented talks on anti-financial crime, ESG, and governance to inspire change 🔸 Partnered with Aniz to build governance readiness for African fintechs in meeting the demands of an ever-evolving regulatory landscape  🤝 Communities and Gratitude We are grateful for the communities we’ve engaged with in 2024: 🔻 Mentors, peers, and partners fighting financial crime #ComplianceConnect 🔻 Innovators advancing #FinancialInclusion 🔻 Singapore FinTech Association (SFA) and the #RegTechSubcomm 🚀 Looking Ahead This year has reinforced our belief that solving global challenges requires united communities, shared resources, and purpose-driven growth. As we look to 2025, we carry forward the lessons of 2024 with renewed energy and a firm commitment to innovation, collaboration, and purpose: 🔘 Expand services to include #FamilyOffices, #DNFBPs, #NPOs, and #VASPs 🔘 Strengthen partnerships and ecosystems while continuing to innovate and build capacity ❤️🔥 Passion Meets Purpose From promoting financial inclusion to combating financial crime, we’ve stayed true to our mission: empowering organisations and individuals to make a difference. To our clients, partners, and team, thank you for your trust and support. Cheers🥂 to another year of breaking boundaries and joining the dots to create a stronger, more resilient ecosystem for tackling financial crime and driving inclusion. Wishing everyone a wonderful 🎉🎊holiday season and a 2025 filled with possibilities, growth, and purpose 🔥! Amanda Yeo Yan Yin 杨颜殷 | Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Jenny Tsz Ching Tin | Joshua Yap | Julia Chin 陈碧茹 | Michael Weng 翁漢麟 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #Collaboration #Innovation #CapacityBuilding #PurposeDriven #2024InReview #ComplianceCulture

🚀 Exciting News at Singapore Fintech Festival! 🚀 We're thrilled to announce our strategic partnership with Aniz ! Together, we're on a mission to bring top-notch advisory and capacity-building expertise in governance, compliance, and risk management to Fintech in emerging markets. 🌍 Why this matters: Emerging markets Fintech are growing fast but face unique challenges in governance, risk, and compliance. With this partnership, we’re bringing tailored solutions and hands-on support to help these organizations strengthen their frameworks, stay compliant, and manage risks proactively while painting their innovative edge. 🤝 What to expect: By combining #ANIZ' innovative advisory expertise with #JFourthSolution's strength, we’re empowering organizations to enhance foundational resilience and drive sustainable growth. South South collaboration at its best!! ✨ Highlights: Strategic advisory in governance and compliance Tailored risk management frameworks Capacity-building initiatives to develop in-house expertise Together, we’re committed to unlocking the full potential of emerging markets, empowering organizations to thrive in a rapidly changing landscape. Stay tuned for more updates on how this partnership will drive impactful change! #Partnership #EmergingMarkets #Africa #Asia #Governance #Compliance #RiskManagement #CapacityBuilding #Fintech #SFF2024 #InsightsForum #Training 10x1000 Tech for Inclusion Isabelle Lessedjina Julia Chin 陈碧茹 Claire Yip Eugene Goh Ho Chee Wai (何志伟) Muzzil Khairat Samuel C.F. PANG Valerie Chow Amanda Yeo Yan Yin 杨颜殷

🎉 An Unforgettable Evening of Collaboration and Insight 🎉 We were delighted to host our inaugural joint event with Co-Labs Global as part of#CollaborAction, in an evening filled with meaningful dialogue and connection. Our shared vision was ambitious: to foster impactful connections and drive discussions on the future of ESG, artificial intelligence, financial crime prevention, and fintech. We had the privilege of welcoming Theodor Cojoianu, who offered valuable insights into sustainable finance, and Guan Seng Khoo, PhD, who shared his inspiring journey from physicist to conducting ESG researches. Our own Amanda Yeo Yan Yin 杨颜殷 offered invaluable perspectives on ESG education and public policy. A special thanks to Sarah Sinclair for traveling from London, and to everyone who joined us. Your support and presence were essential in making this event a success. This is just the beginning. Let’s continue these conversations and build upon the impactful work of this community of dedicated thought leaders. Here’s to more collaborations and stronger connections! Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Julia Chin 陈碧茹 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #ESG #ArtificialIntelligence #Fintech #ThoughtLeadership #Community #AI #FightingFinancialCrime #SustainableFinance #CommunityBuilding #Collaboration #BetterTogether #Compliance #Sustainability #Payments

At #JFourth, we believe that building a career fueled by passion can truly transform both individuals and industries. We're proud to see Amanda Yeo Yan Yin 杨颜殷 leading the way. Don't miss the chance to join Amanda's upcoming in-person event on 10 Nov 2024 if you are in or coming to #KualaLumpur, where she'll share about how to harness your enthusiasm to make a real difference while pursuing a fulfilling career. Whether you’re just starting out or are looking to reignite your professional purpose, I am sure this session will be enlightening and motivating. Claire Yip | Eugene Goh | Ho Chee Wai (何志伟) | Julia Chin 陈碧茹 | Muzzil Khairat | Samuel C.F. PANG | Valerie Chow #CareerGrowth #PassionDriven #Inspiration #ProudMoment #StayInspired #ESG