My professional career success has stemmed from essential skills in the banking/financial services (retail/money service business), and fintech (e-money issuer, issuer/acquirer, operating payment system), including people management, customer service, compliance with the ongoing regulations, risk management, fraud cases/complaints, overseeing the business operations, and process improvements. I have enhanced my organizational abilities; my philosophy is that introducing fresh perspectives and new techniques allow businesses to evolve and grow.