Pat Low clerked with Ernst & Young, Singapore, for 3 years before moving on to the banking industry where he stayed for the next three decades. He has worked in commercial banking, merchant banking and wholesale banking environments in the Singapore offices of international banks. He has managed middle and back offices with responsibilities for operations, compliance, systems, accounting, loan administration, and taxation. Pat has been involved with two start up operations and helped with systems implementation from ground up. In a dynamic industry during a growth phase, systems are challenged by the need to innovate and upgrade to support new products, regulatory and risk management demands. Pat has had hands-on experience in several in-house application developments that enhanced operational capabilities.