Our Senior Team

Julia Chin is an Associate Director at Friday Concepts with over 30 years in the financial industry, specialising in financial crime, regulatory compliance and fraud management.
Her expertise centres on policy implementation, client due diligence and operational risk management, with subject matter depth in correspondent banking, securities services and, most recently, fintech.
Julia led a Singapore fintech through the successful licensing of a Major Payment Institution licence and a Financial Adviser licence from the Monetary Authority of Singapore, a Visa principal card issuer licence, and a digital banking licence in Pakistan, while providing compliance leadership for the firm's regional expansion.
As a former Money Laundering Reporting Officer, she has experience designing and establishing relevant the enterprise risk frameworks and implementing AML risk and control programmes from scratch.
For major international banks she has led the global implementation and remediation of group securities services procedures in line with ISSA Principles; driven correspondent banking enhanced due diligence remediation across Africa, the Middle East, Greater China and North Asia; re-engineered the global client due diligence end-to-end review process; and piloted a global standard AML programme for the Middle East and North Africa.
She also built and trained an offshore CDD team in India, piloted customer selection and exit management across nine MENA countries, and rolled out corporate complaint procedures and the UK Bribery Act framework across the region.
Julia is a member of the APAC Secretariat for the Global Coalition to Fight Financial Crime and Secretary of its Fraud and Scams Working Group, and has collaborated with market experts to publish the Wolfsberg-style questionnaire for VASPs. She is an accredited trainer with an Advanced Certificate in Learning and Performance from Singapore.