Er Yang Khoo
Product Owner
Kuala Lumpur
Summary
Passionate about digital transformation initiatives, specifically on transforming and improving customer experience through technology and digital innovation. Area of interest is delivering practical digital solutions to mitigate customer pain points across product or services digital journeys. Skilled in leading digital innovation from concept to deployment whilst ensuring compliance to relevant regulations.
6 years of working experience in banking industry, with experience as a project manager in delivering digital banking products and led various projects focusing on banking applications via AGILE methodology using JIRA. Also an experience compliance manager with experience in managing compliance risks and performing gap analysis to ensure business stay compliant with new regulations from BNM.
Overview
8
8
years of professional experience
3
3
Languages
Work History
Channel Management, Virtual Banking & Payments
Maybank Berhad
01.2023 - Current
- Spearheaded strategic initiatives to enhance customer experience and boost user engagement on the MAE mobile banking app, resulting in a 5% increase in active users within 1 year.
- Led cross-functional teams in the ideation, prioritization, and execution of product enhancement projects aimed at improving user interface, functionality, and overall satisfaction on the MAE app.
- Collaborated closely with stakeholders across marketing, technology, and customer service departments to gather feedback, identify pain points, and implement solutions, resulting in a reduction in customer complaints.
- Adopted agile methodologies to ensure timely delivery of features and enhancements to meet evolving user needs and market demands.
- Conducted comprehensive market research and competitive analysis to identify trends, opportunities, and areas for differentiation, informing product roadmap decisions and feature prioritization on the MAE app.
- Cultivated strong relationships with external partners to explore potential campaign opportunities that could further increase active user base in MAE app.
- Ensured all projects and initiatives align with Bank Negara Malaysia (BNM) regulations and prepared all necessary risk and compliance documentation to BNM in accordance with Regulatory Compliance and Risk Management in Technology (RMiT) guidelines, ensuring timely and accurate reporting to regulatory authorities.
Manager, Digital Banking
Alliance Bank
07.2021 - Current
- Manage multiple mobile and web related projects from end to end (i.e user requirements, UIUX, UAT, deployment)
- Lead the development lifecycle of digital products and services aligning with the digital innovation strategy
- Coordinate discussions with business users to define requirements for development, drive and monitor implementation to achieve business target outcomes
- Implement user experience-centered design approach to validate and deliver against intended user's needs
- Responsible to create clear user stories to align with business desired outcomes
- Assist in handling eKYC related matters (i.e enhancements, bug fixes, resolving customer issues)
- Responsible for fraud or security related matters (i.e production issues, security projects and enhancements for online and mobile banking)
- Provide support to business stakeholders for their campaigns on mobile and web
Manager, Group Regulatory Advisory
Alliance Bank
06.2020 - 06.2021
- Provide compliance advisory to assist business and support functions to manage their compliance risks
- Ensure new product/service/initiatives/projects initiated by stakeholders comply with BNM requirements by performing Compliance Risk Assessment
- Perform Gap Analysis to ensure stakeholders complies to relevant BNM regulations
- Developed the gap analysis process guidelines SOP
- Attend to requests from regulators, industry intermediaries and government agencies
- Responsible in the preparation and compilation of monthly reporting decks to Senior Management and Board
- Assisted in compliance culture initiatives.
Senior Executive, Group Regulatory Advisory
Alliance Bank
06.2019 - 06.2020
- Provide compliance advisory to assist business and support functions to manage their compliance risks
- Ensure new product/service/initiatives/projects initiated by stakeholders comply with BNM requirements by performing Compliance Risk Assessment
- Perform Gap Analysis to ensure stakeholders complies to relevant BNM regulations
- Assisted in compliance culture initiatives.
Management Trainee
Alliance Bank
06.2019 - 06.2020
- Exposed to every aspect of the bank through job rotations
- Managed to grasp a comprehensive view and gain better insight on how each department in the bank functions
- Involved in projects and presentation on a frequent basis
- Assisted various teams in performing their daily tasks.
Personal Financial Consultant
OCBC Bank
08.2017 - 04.2018
- Perform customer services ranging from CASA, FD, Cards and Loans
- Provide financial advisory, promote and cross-sell a comprehensive range of financial products (i.e. BANCA) and services
- Proactively manage and build long term customer relationship and provide good after-sales services.
Internship, Strategy and Performance Management
AmBank Berhad
08.2016 - 10.2016
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- Contributed to a positive team environment by collaborating with fellow interns on group projects and presentations.
- Prepared written summaries of meeting discussions to ensure clear communication throughout the team while promoting accountability for action items.
Education
BSc (Hons) Economics - Economics
University of Bath
01.2014 - 2017.04
A-Levels -
Taylor's College Subang Jaya
01.2012 - 2014.04
Sijil Pelajaran Malaysia (SPM) - undefined
Sekolah Menengah Kebangsaan St. Paul
01.2007 - 2011.04
Skills
Personal Information
- Place of Birth: Seremban, Negeri Sembilan
- Date of Birth: 08/25/94
- Gender: Male
- Nationality: Malaysian
- Marital Status: Married
Timeline
Channel Management, Virtual Banking & Payments
Maybank Berhad
01.2023 - Current
Manager, Digital Banking
Alliance Bank
07.2021 - Current
Manager, Group Regulatory Advisory
Alliance Bank
06.2020 - 06.2021
Senior Executive, Group Regulatory Advisory
Alliance Bank
06.2019 - 06.2020
Management Trainee
Alliance Bank
06.2019 - 06.2020
Personal Financial Consultant
OCBC Bank
08.2017 - 04.2018
Internship, Strategy and Performance Management
AmBank Berhad
08.2016 - 10.2016
BSc (Hons) Economics - Economics
University of Bath
01.2014 - 2017.04
A-Levels -
Taylor's College Subang Jaya
01.2012 - 2014.04
Sijil Pelajaran Malaysia (SPM) - undefined
Sekolah Menengah Kebangsaan St. Paul
01.2007 - 2011.04
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