Michelle has more than 15 years of Product and Marketing experience in Technology and Financial Service industry with extended exposure worldwide. Michelle is currently leading the Business Development function of FWD Insurance, responsible for driving new business development leveraging on innovative technology engagement. Before FWD, she had been with Hong Kong Applied Science and Technology Research Institute (ASTRI), Hong Kong Telecom (High Net Worth Segment, Group Loyalty, Payment Business), Huawei Technology, Nokia Siemens Network, etc, taken up marketing, product and business development roles with regional exposure. Michelle holds a Bachelor of Cognitive Science degree, Graduate Diploma in E-Commerce and a MBA from the University of Hong Kong. Apart from her role in FWD, Michelle also serves as Co-Founder of T3 Academy (a NGO dedicated to disrupt the engineering education and aiming to upskill young adult with AI & Data Analytics Skills), Advisory Member of FinTech Industry Alliance of China Academy of Information and Communications Technology (CAICT), AI Committee Co-Chair of FinTech Association HK, Founding Member of Women-In-Tech HK. Michelle is also being named as 2018 Top 25 FinTech Female Leader in HK by DigFin Group and InvestHK.