Bernard has close to 20 years professional experience in Banking and Wealth Management Industry, during which, he was in the frontline serving High-Net-Worth Individuals across the region for 7 years. He has more than 10 years in management designing wealth propositions and equities product management.

During his stint in Standard Chartered Bank, Bernard was Head of Wealth Proposition in charge of designing various propositions ranging from retirement planning, children education, legacy planning to accredited investors proposition for High-Net-Worth Individuals. In addition, Bernard was also Head of Online Equities Trading platform, in charge of product management, business strategy and management of the online equities business.

In UOB, Bernard was Head of Digital Wealth Proposition and the Business Lead representing UOB in the Monetary Authority of Singapore (MAS) driven Open Banking initiative. He was also the Product Owner of UOB Robo-Advisor, Simple Invest and Simple Insure.

Bernard is currently an Executive Committee Member in the Singapore Fintech Association and Managing Director of Emmet Insight. He has more than 2 years experience in Fintech providing consultation, training and product development. With the vision to democratize finance and revolutionize wealth management, Bernard has worked on Decentralized Finance (De-Fi) and Centralized Finance (Ce-Fi) digital exchanges projects to empower retail, accredited and institutional investors.