Profile:
Andrew Chow is a Partner in the Financial Services Regulatory Practice. He has extensive experience in financial services regulatory matters, with an emphasis on banking and capital markets legal and compliance advisory. As one of the first dedicated compliance professionals in Singapore, Andrew has worked for various international financial institutions across the Asian region. He advises on a wide spectrum of regulatory issues and developments, and has previously guided each of the financial institutions he worked in on regulatory compliance with statutes, regulations, notices and guidelines in Singapore including the Banking Act, the Securities and Futures Act (SFA), the Financial Advisers Act (FAA), the Trust Companies Act, the Commodity Trading Act administered by the Monetary Authority of Singapore (MAS) and other regulatory bodies. Apart from his advisory roles, he also developed the compliance processes and procedures for those institutions, including other risk, operational and IT policies and procedures where legal and compliance input was essential. In the 16 years prior to joining WongPartnership, the financial institutions Andrew worked for were: Standard Chartered Bank, where he established the compliance department, and was actively involved in managing the issues surrounding the collapse of Baring Futures and its parent; and Baring Brothers & Co. in the UK. He then moved to Toronto Dominion Bank/TD Waterhouse, where he led in the establishment of TD Waterhouse in Hong Kong as one of the first Asian discount brokers while overseeing TD Bank's transactions through the Asian Financial Crisis. The next institution was Schroders, which was acquired by Salomon Smith Barney as part of Citigroup. At Salomon, Andrew was the author of the application for the first unified securities and futures membership on the Singapore Exchange, and also managed the issues arising from the dot.com bust, the collapse of WorldCom and Enron, and the tragic event of 9/11. As the Country Compliance Officer for Citibank, Singapore Branch, he has covered all aspects of Citi's comprehensive footprint in Singapore, including its global technology function locally. He was also actively involved in the integration of the Lehman businesses into Nomura in Asia (ex-Japan). Andrew speaks regularly at seminars organised by the Association of Banks in Singapore, the Institute of Banking and Finance, the Wealth Management Institute, where he leads in Ethics and Compliance training for private banking and wealth management, Hubbis for private banking, the Compliance Professionals Association of Singapore and the Robert Half-ICPAS Financial Leadership Forum. He is also a committee member of the Financial Industry Competency Standards (FICS) Compliance Working Group. Andrew graduated from the National University of Singapore. He is admitted to the Singapore Bar and is also an Attorney-at-Law, New York State Bar.
Events
The latest articles from Andrew Chow
The new digital world: how it will affect us all?
Circuit-breaker, lockdown, work from home. In practical terms, doing business will likely not be the same as it was pre-2020 for financial institutions. The measures to release the circuit-breaker/lockdown restrictions will, in all probability, be implemented on a stage-by-stage basis. So what wi...
May 17, 2019Julius Baer May 28, 2020
Hubbis is committed to safeguarding the privacy of our users while providing a personalised and valuable service. This Privacy Policy statement explains the data processing practices of Hubbis. If you have any requests concerning your personal information or any queries with regard to these practices please contact our Privacy Officer by e-mail at [email protected]
Our site contain links to third party sites which are not subject to this privacy policy. We recommend that you read the privacy policy of any such sites that you visit.
Information Collected
We collect personally identifiable information about you (your “Data”) through:
The elements of your data that we collect may include:
We may also collect information that we request from you regarding your use of our service or that we collect automatically about your visit to our sites. Please see our Cookie Policy for more details.
Use and Disclosure of Personal Information
We use your Data for purposes which may include:
We may also disclose your information to business partners and to third party suppliers we engage to provide services which involve processing data on our behalf, successors in title to our business or in accordance with a properly executed court order or as otherwise required to do so by law. We reserve the right to fully co-operate with any law enforcement authorities or court order requiring or requesting us to disclose the identity or other usage details of any user of our sites.
We also use information in aggregate form (so that no individual user is identified by name):
We use technology on some of the pages of our websites, which may record user movements, including page scrolling, mouse clicks and text entered. It will not record financial information such as credit or debit card details. The data we collect in this way helps us to identify usability issues, to improve the assistance and technical support we can provide to users and is also used for aggregated and statistical reporting purposes.
Security Policy
Hubbis has appropriate measures in place to ensure that our users’ Data is protected against unauthorised access or use, alteration, unlawful or accidental destruction and accidental loss. User Data may be transferred outside Hubbis to data processors such as fulfilment houses but they will act only on our instructions to provide the services required.
Transfer of Data
The Internet is a global environment. Using the Internet to collect and process personal data necessarily involves the transmission of data on an international basis. Therefore, by browsing Hubbis sites and communicating electronically with us you acknowledge and agree to our processing of personal data in this way. By agreeing to our transfer of your Data to third party organisations for them to send you details of products and services offered (as detailed above) you are deemed to provide your consent to any transfer of your Data to or within any organisation.
User Access and Control of Data
If you wish to amend any of the Data which we hold about you, or update your marketing preferences, please contact admin or visit the “Contact Us” section of our website.
