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About Myself

Academic qualified and experience in the General Insurance Market include Malaysia, Philippines, Indonesia and India,  in Sales, Marketing, Underwriting & Claims both motor & non-motor businesses. Experience in the tariff and de-tariffication environment. 

Work experience

May 2018Present

Senior Regional Underwriting Manager

AmTrust Group

Setting up a robust underwriting operation in SEA inline with AmTrust policy and UK PRA & FCA requirement.

  • Direct reporting to SEA Group CEO and indirect reporting to both SEA Group CFO and AmTrust Europe CUO.
  • Building an effective and efficient workflow based on local country requirement.
  • Engaged with local insurers in the local market for partnering for fronting & facultative reinsurance arrangement, product development submission for regulatory approval.
  • Responsible for Pricing, Premium Retention, coverage analysis, loss control needs.
  • Exco member for Claim service and Operations Improvement committee.
  • Developed business unit staffs for the product and underwriting knowledge.
  • In collaboration with the country CEO, major accounts/segment leaders develops and executes a distribution strategy that drives profitable growth.
  • Manage and mentoring the underwriting team for each market and regional with full support.
Feb 2017Apr 2018

Vice President, Claims National Operations

AmGeneral Insurance Berhad

To lead and manage the workflow and performance of Claims Management.

  • Forming an internal auditing team to ensure the adherence of procedures and enable the department to optimize claims performance through efficiency, innovation and continuous improvement.
  • Drive the development of critical business capabilities to meet current and emerging demands, specifically quality assurance, workforce management, and performance reporting.
  • Adherence and maintenance of all compliance objectives in a timely and costly manner inclusive of application of all company policies, procedures, standards, relevant laws, regulations and industry codes of practice.
  • Deliver key customer insights, implement effective and efficient controls/processes to prevent leakages.
  • Robust project management of all Claims projects and initiatives for on time and on budget delivery.
  • Champion transformation, change management and improvement.
  • Provide strong leadership and solid experience in payment processing.
May 2015Feb 2017

Head of Underwriting Operations - Product, Pricing & Underwriting Department

AmGeneral Insurance Berhad

Promoted to this position reports directly to the SVP of Product, Pricing & Underwriting Department since May 2015. The duties and responsibilities for this position:

  • Lead in Pricing Implementation & New (Fire & Motor) Product Development in the Company.
  • Oversees all aspects of an organization's underwriting function.
  • Developing and enhancing underwriting and risk management philosophies, underwriting operation and procedures, business strategies in according to the needs of the Company and market conditions. Provides high-level expertise and guidance in technical insurance matters.
  • Responsible for the development, implementation and execution of the price implementation tools in the upcoming de-tariff environment.
  • Working closely with other distribution channels to support and achieve business plan, financial objectives and profitable growth. Assures proper communication and coordination between Underwriting and Marketing.
  • Add value to the Portfolio Manager and Product Development team on the development and/or enhancement of new and/or existing products and market entries; ensure our products are competitive from a pricing and coverage standpoint.
  • Oversees periodic underwriting audits and implement the best practices and internal controls for underwriting function.
  • Assures that business processes are performed in the most efficient manner and ensure all resources are allocated and utilized effectively.
  • Creates a monitoring system for the department, company, industry and marketplace developments in all aspects of insurance.
  • Participates in departmental strategic planning.
  • Responsible for departmental budgeting and forecasting.
  • Provides guidance, leadership and motivation to the team.
  • Responsible for high-level administrative functions within the department which include; performance evaluation and management, anticipation of staffing needs, hiring, assurance of proper training programs and performs disciplinary measures when necessary.
  • Assists with the development and implementation of performance management metrics.
Sep 2011April 2015

Corporate & Business Insurance Manager - Bancassurance Department

AmGeneral Insurance Berhad

In September 2011, I joined AmG Insurance Berhad hereafter renamed to AmGeneral Insurance Berhad.

The Bancassurance Department is newly formed under the new Company structure to leverage on the AmBank platform in cross-selling the insurance deal.

My unit specially handles on the Large Corporate customers who are mainly the Public Listed companies and/or their business turnover above RM300mil. Beside that, also on specialty industry like Oil & Gas. I am also the appointed person in charged for all the Marine Hull insurance to the Bank

Other than the above, my role or responsibilities are as follow;

  • Ongoing development and management of the relationship with the Bankers and Direct Corporate customers and/or brokers.
  • Work closely with business units to gain detailed understanding of their businesses and plans.
  • Act as an advisor to provide a consultative approach to resolving issues
  • Development of Bancassurance strategy to penetrate the large corporate segment.
  • Develop and implement new tactical campaigns to strengthen the Bancassurance value proposition and revenue yield.
  • Prepare presentations, credentials and marketing documents to support business development initiatives.
  • Conduct regular market research based on ongoing requirements by the customers.
  • Review business performance and make business plan.
  • Provide technical risk assessment to commensurate with terms and conditions to underwriter.
  • Design and recommend optimum insurance program structure in terms of coverage and premium cost to customers.
  • Annual review of all policy wordings and coverage to ensure all exposures are either insured or drawn to the customers’ attention.
  • Provide advice on alternative risk transfer and/or risk control and/or risk financing options where applicable.
  • Reviewing exposure/insurance values to ensure it is adequate for insurance purposes.
  • Answering coverage issues or questions when requested.
  • Assist in the review and selection of insurance markets for reinsurance placement when required.
  • Assist in the negotiation of competitive terms in the insurance market with reinsurers as required.
  • Assist in negotiations with claims manager and/or loss adjusters on major claims.
  • Day-to-day running of the business including management of various reporting requirements.
  • Provide clear guidance and direction to coach the team.
  • Handle adhoc projects as requested.

Sep 2010Aug 2011

Assistant Manager - Marketing

MUI Continental Insurance Berhad

In November 2010, I joined MUI Continental Insurance as Assistant Manager under the Retail Marketing Division in the Head Office. In December 2010, I was transferred to the Klang Branch office as an acting Branch Manager until August 2011. I report directly to the CEO and the Head of Marketing.

My main role or responsibilities as an acting Branch Manager is to manage the direct corporate and agency portfolio which worth around RM16mil. These consist of both the Motor & Non-Motor businesses.

Reason of Leaving the Company

The group company is undergoing to dispose their insurance business.

Sep 2008Aug 2010

Senior Executive - Corporate Marketing

Tokio Marine Insurans (Malaysia) Berhad

I started up my insurance career in Tokio Marine Malaysia as an Executive under the Japanese Corporate Division/Global Business Division. I was subsequently promoted as Senior Executive in year 2010 and this was also the last position I hold in this company. I handle the Japanese corporate clients mainly in Melaka, Nilai, Bangi and Selangor area, for example; the Panasonic Group, the Pioneer Technology Group & the Meditop Group. I report directly to the Japanese expatriate and a Senior Manager.          

Reason of Leaving the Company

Move forward for different experiences in the insurance industry.



Advanced Diploma in Insurance (ACII)

Chartered Insurance Institute

Attended a series of evening revision classes and the Face-to-Face Training revision courses offered by the Chartered Insurance Institute (CII), based at the Lloyd's Training Centre in London, for many Diploma/Advanced Diploma units.

Area of Studies:

  • (IF3)Insurance Underwriting Process
  • (P05)Insurance Law
  • (P21)Commercial Insurance Contract Wording
  • (510)Risk, Regulation and Capital Adequacy
  • (530)Business and Economics
  • (655)Risk Management
  • (815)Underwriting Management
  • (820)Claim Management (non – life)
  • (925)Insurance and the Single European Market
  • (945)Marketing
Jan 2004Jan 2006

Bachelor in Law(LLB)(Hons)

University of Hertfordshire

Diploma in Law (Year 1-2)

Area of Studies: 

English Legal System, Criminal Law, Contract Law, Constitutional Law, Law of Tort, Law of Trust, Law of Evidence, & Land Law.

Final Year (Year 3)

Area of Studies: 

Company Law, Employment Law, Internet Law, E-Crime, & European Union Law.

Other Experience

  • Qualified Education, Skills and Experience
  • Articulate and personable in dealings with clients and brokers including attendance to presentations and meetings
  • Highly computer literate with strong Microsoft office skills
  • Strong interpersonal skills and the ability to work within a team environment
  • Strong organizational skills and the ability to prioritize workloads
  • Strong marketing, negotiation and presentation skills
  • Knowledge and understanding of standard market policy and endorsement wordings
  • Ambitious, highly motivated, self-starter, independent, sales-oriented & gifted with language skills
  • Language Proficiency: Fluent in English, Mandarin, Malay, Cantonese, Taiwanese, Hokkien & Teh Chiew


  • Traveling - My travels include UK, Singapore, Spain, Italy, Czech Republic, Hungary, Austria, France, China, Hong Kong, Macau, Taiwan & Australia.
  • Sport - Swimming, bowling
  • Pastimes - Stamp Collecting