Bernadette has over 30 years of working experience in Private Banking, Retail & Consumer Banking and Credit.

She was the Chief Risk Officer in a European Private Bank for 8 years and sits in the Exco committee. She oversaw risks in the private banking operations in both Singapore and Hong Kong. She was also an inhouse trainer and counsel in the areas of KYC, credit, fraud vigilance and lending matrix to foster a high awareness of risk ownership within the bank.

Before joining the Private Banking industry, Bernadette spent 23 years in a Singapore bank with varied experience in branch operations, credit and marketing, credit control, credit approval, credit monitoring, projects and management functions at both the bank and group levels. She was also an active driver in re-engineering, automation and other bank-wide projects including credit due diligence exercises for potential bank acquisitions. She also conduct inhouse training for KYC, CDD, credit matrices, credit regulations and guidelines.

Bernadette graduated from the National University of Singapore with a degree in Business Administration (Honours, 2nd Class Upper) and was awarded Singapore Institute of Personnel Management Book Prize. She also holds a post-graduate Diploma in Banking & Finance by IBF (Credit Book Prize) and Master in Finance from RMIT in conjunction with SIM.