Currently CFTE of FORMS Syntron Information (HK) Limited, under SZ FORMS Syntron Information Co. Ltd ("FORMS" in short) which is listed in SZ with stock code 300468. FORMS is now the leading digital technology advisor and enabler to help virtual banks to build the bank, to help established banks to change the bank, and to help central banks to shape the future of money via central bank digital currency. Before joining FORMS HK, Howard was in charge of HSBC HK’s Retail Banking and Wealth Management Customer Due Diligence Office. More than 20 years of solid change management and banking experience. Howard started his career as a bank programmer. Then progressed to senior IT positions and led teams in HK and Guangzhou before becoming a Technology & Services Management Trainee in HSBC. Howard worked with C-suite executives across the globe and drove impactful transformation programmes such as service digitalization, AML & CFT, organization restructure, business intelligence and process revamp. Howard is also a serial entrepreneur and a start-up enthusiast. His businesses cover online games, on-demand apparel, digital imaging and more. Howard is a member of the business honor society Beta Gamma Sigma, and a member of Mensa HK.