Risk Track examines how financial institutions are evolving risk management to support faster, more confident decision-making. Moving beyond static reporting, the sessions explore how analytics, AI, and governance are being operationalised to turn risk insight into real business outcomes—while remaining explainable, trusted, and scalable.

• 1:00 PM
  Chairperson's Opening Remarks
  Anselmo Marmonti, Vice President - Risk, Fraud & Compliance Solutions, SAS
  
  
• 1:05 PM
  [Opening Keynote] From Risk Models to Real Decisions: Scaling AI in Banking
  As volatility, regulatory pressure, and digital complexity intensify, banks are rethinking risk as a strategic driver of decision-making. Many institutions have invested heavily in data and AI. Yet, the real challenge is not building models but turning them into trusted risk intelligence that executives can act on with speed and confidence. This is not just a technology shift. It requires changes in how teams work, how decisions are made, and how trust in AI is built across the organisation.
  
  In this session, we'll explore how leading banks such as UOB have moved beyond experimentation to scale AI into real operating impact. He will discuss what it takes to embed AI into decision-making across risk, compliance, and customer engagement, while maintaining strong governance and trust.
  
  Presenter: Alvin Eng, Managing Director, Head of Enterprise AI, UOB
  
  
• 1:35 PM
  [Panel Discussion] Global Trends in Credit Risk
  Global credit risk is being rewritten in real time. From shifting economic cycles to unpredictable borrower behaviour and the rising force of climate risk, traditional models are being pushed to their limits.
  
  This session will explore emerging global banking trends around risk modelling, credit decisioning, and how banks are reacting to macroeconomic conditions.
  
  Moderator: Terisa Roberts, Global Solution Lead, Risk Modelling & Decisioning, SAS
  
  Panelists: 
  Dr. Sanphet Sukhapesna, FVP Head Of Integrated Risk Management, Kasikorn Bank
  Erwin Wiriadi, Group Chief Risk Officer, UnionBank of the Philippines
  
  
• 2:05 PM
  [Panel Discussion] From Gut to Algorithm to Agent: The Evolution of Risk Decisioning in Financial Services
  This panel explores how risk management is evolving through data and AI, from historical shifts to real-world impact, governance challenges, and practical priorities for building trusted, future-ready decisioning capabilities.
  - What is the most unexpected transformation in risk management and technology over the past decade?
  - Where is AI meaningfully improving risk decisions today, and where does it still fall short of expectations?
  - How can organisations balance the need for fast, AI-driven decisions with the demands of trust, fairness, and explainability?
  - What should leaders prioritise (and avoid) when building next-generation AI-enabled risk decisioning capabilities?
  
  Moderator: Pablo Chong, Sr. Solutions Advisor - Risk, Fraud, and Compliance Solutions, SAS
  
  Panelists: 
  Vikram Sarkar, Senior Vice President, UOB
  Tushar Wadhwa, Head of Credit Risk & Collections, Grab Financial Singapore
  Matt Nixon, Principal - AI, Security, and Compliance Specialist, AWS
  
  
• 2:45 PM
  Break
  
  
• 3:15 PM
  [Presentation & Fireside Chat] AI-Enabled Risk Management: From Copilot to Advanced Use Cases with AI Agents
  As risk environments grow more complex and data-driven, this session explores how financial institutions are adopting a two-layer AI approach—leveraging Copilot capabilities to enhance day-to-day productivity, while advancing toward Agentic AI for scalable AI-driven risk analytics and decisioning to support more timely and consistent outcomes.
  
  Presenters: 
  Tzyy Ren Wong, ASEAN Risk Solution Advisor, Customer Advisory, SAS
  Xin Ru Lee, Senior Solutions Architect, Global Technology Practice, SAS
  
  
• 3:45 PM
  [Presentation] Fragmented to Integrated: Achieving AI-Enhanced Integrated Balance Sheet Management
  How banks manage their Balance Sheet is increasingly shaping how they compete. Balance Sheet Management has always been core to profitability, resilience, and trust — but as volatility rises, adaptation, agility, and integration have become imperatives. The shift is already underway. Banks are moving toward integrated insights, forward-looking scenario analysis, and AI-supported decision-making. In a world defined by uncertainty, the ability to steer financial outcomes holistically and intelligently is fast becoming a bank's most important differentiator.
  
  Presenter: Martim Rocha, Senior Director, Global Head for Risk Banking Solutions, SAS
  
  
• 4:15 PM
  [Panel Discussion] Managing Model Risk in the Age of AI: Governance, Trust, and Scalability
  As AI and advanced analytics reshape risk management, institutions face increasing scrutiny around model performance, explainability, and governance. This session examines how banks are strengthening model risk management frameworks to balance innovation with regulatory and board-level confidence.
  - How is AI changing traditional model risk management assumptions?
  - What does “effective governance” mean when models are continuously learning?
  - How can institutions scale AI while maintaining transparency and auditability?
  
  Moderator: Chris Brophy, Global Solution Lead for Model Risk Management and AI Governance, SAS
  
  Panelists: 
  Gabriel Ryan, Vice President, Regulatory Portfolio Analytics, DBS Bank
  Sushil Kumar, Head Risk Analytics and Transformation, CardX Thailand
  Sumana Saha, Head of Credit Policy & Portfolio Management, Secured & Unsecured, UOB
  Andrew Tan, Managing Director and Head of the Group Data Management Office, OCBC
  
  
• 4:55 PM
  Chairperson's Closing Remarks
  Wilson Yap, Director & Head of Risk Banking Solutions, Asia, SAS
  
  

Fraud & AML Track focuses on how organisations are responding to faster, more complex threat environments—from real‑time payments and scams to digital assets and cross‑border crime. Sessions examine how intelligence‑led analytics, integrated operating models, and collaboration are enabling more effective prevention, detection, and response without compromising customer experience.

• 1:00 PM
  Chairperson's Opening Remarks
  Stu Bradley, Senior Vice President, Risk, Fraud and Compliance Solutions, SAS
  
  
• 1:05 PM
  [Opening Keynote] The New Fraud Reality: Why Traditional Defences Are No Longer Enough
  Fraud has changed—permanently. What was once episodic is now relentless, operating at the speed of real-time payments, across expanding digital channels, and driven by increasingly sophisticated, organised threat actors.
  
  In this opening keynote, explore the new fraud reality confronting financial institutions today—and why traditional defences are no longer fit for purpose. Discover how leading organisations are rethinking fraud prevention, moving toward always-on detection, AI-driven intelligence, and adaptive strategies that evolve as quickly as the threats themselves. In a world where every second counts, staying ahead of fraud means transforming how you see, detect, and respond to risk.
  
  Michael Hall, Senior Vice President, Director of AML and Sanctions and BSA Officer, Fifth Third Bank
  
  
• 1:35 PM
  [Fireside Chat] Building Operational Resilience in Fraud & Financial Crime: Integrating Risk, Detection and Governance
  In the context of fraud and financial crime, operational resilience is not about recovery from rare events, but about the ability of detection, decisioning, and governance functions to remain effective under constant pressure from evolving threats across banking and insurance.
  
  In this session, we'll explore:
  - What does operational resilience mean in a fraud and financial crime context, where disruption is continuous rather than episodic?
  - How can integrated fraud, AML, and risk operating models improve resilience when threat volumes spike or typologies rapidly change across banking and insurance products?
  - How should governance frameworks evolve to ensure speed, explainability, and customer protection remain intact during high stress or high velocity fraud events?
  
  Moderator: Lina Tong, Head of Fraud & Financial Crimes, Customer Advisory (ASEAN), SAS
  Guest Speaker: Andrea Amatuzio, Managing Director, Asia Pacific Head of Financial Crime, Compliance Transformation, Mizuho
  
  
• 2:10 PM
  [Presentation] Modernising Fraud and Financial Crime Detection: Technology Innovations That Matter
  With evolving Fraud typologies, traditional detection methods are not adequate to protect customers and institutions. This session focuses on how new technological capabilities can be used to effectively detect and investigate Fraud in Financial Institutions.
  
  Presenters: 
  Siva Ramakrishnan, EME-AP Domain Specialist - Fraud & Financial Crimes, SAS
  Rohan Borade, Senior Associate Systems Engineer, SAS
  
  
• 2:45 PM
  Break
  
  
• 3:15 PM
  [Fireside Chat] Digital Assets, Crypto Flows and the New Financial Crime Risk Frontier
  As digital assets and regulated stablecoins enter mainstream finance, financial crime risk models must adapt rapidly to new transaction flows and typologies.
  
  In this session, we'll explore:-
  - How does the emergence of regulated, bank‑backed stablecoins change the financial crime risk profile compared with earlier crypto and digital asset models?
  - What new fraud, AML, and sanctions typologies are emerging as crypto flows become more integrated with mainstream payment and settlement systems?
  - How should banks adapt their transaction monitoring, controls, and governance frameworks to manage stablecoin and digital asset activity at scale while meeting regulatory expectations?
  - What practical lessons can financial institutions take today to prepare for a future where digital assets and traditional finance increasingly converge?
  
  Moderator: Ahmed Drissi, Principal Industry Consultant, APAC AML Lead, SAS
  Guest Speaker: Sam Vicary, Global Head of Name, Transaction & Digital Asset Screening, Standard Chartered Bank
  
  
• 3:45 PM
  [Panel Discussion] Staying Ahead of the Threat Curve: What Fraud & AML Leaders Must Do Now
  As financial crime outpaces traditional compliance, regulators across APAC are pushing AI and ML from optional to essential in AML/CFT programs. This session explores regulatory direction on AI/ML adoption, how FIs are applying AI across perpetual KYC, transaction monitoring, and screening, emerging Gen AI use cases in AML/CFT, and the key governance and data considerations institutions must navigate to adopt AI responsibly and stay ahead of the threat curve.
  
  Moderator: Ahmed Drissi, Principal Industry Consultant, APAC AML Lead, SAS
  
  Guest Speakers: 
  Phadet Charoensivakorn, Deputy President and CEO​, National Credit Bureau Co., Ltd.​
  Jason Tan, Lead Partner for AML/CFT Services and Head of Forensic Services, KPMG Singapore
  
  
• 4:15 PM
  [Panel Discussion] Scaling Real-Time Fraud Intelligence: How Cloud and AI Are Changing Prevention
  As fraud becomes faster, more automated, and more coordinated, financial institutions must detect and intervene in real-time, at scale. This session explores how cloud platforms, advanced analytics, and AI are enabling new fraud prevention models, and what it takes to operationalise them securely and responsibly.
  
  Moderator: Lina Tong, Head of Fraud & Financial Crimes, Customer Advisory (ASEAN), SAS
  
  Panelists: 
  Guy Sheppard, Executive Director, Head of AI Strategy and Adoption, Standard Chartered Bank
  Stu Bradley, Senior Vice President, Risk, Fraud and Compliance Solutions, SAS
  
  
  
• 4:55 PM
  Chairperson's Closing Remarks
  Lina Tong, Head of Fraud & Financial Crimes, Customer Advisory (ASEAN), SAS
  
  

Public Sector Track provides a practical overview of how artificial intelligence is being applied across the public sector today. Using real-world government use cases, it illustrates how agencies are augmenting decision-making, improving service delivery, managing risk, and turning data into actionable insight. Attendees will strengthen their understanding of AI technology and gain a clear view of where AI is delivering value now. This agenda is appropriate for an audience of Senior government leaders, CIO/CDOs, program executives, and policy leaders who are moving beyond AI experimentation and want confidence, accountability, and practical decision frameworks.  It balances thought leadership with the sharing of real examples of AI use by public sector organisations.

• 1:00 PM
  Chairperson's Opening Remarks
  Noshin Kagalwalla, Vice President – Public Sector (Asia Pacific) & Managing Director, India, SAS
  
  
• 1:05 PM
  [Opening Fireside Chat] Imagine It, Ship It: Tech for the Public Good
  Imagine a government team that spends time on the ground in fire stations, hospitals and social service centres, then turns those insights into working products in months instead of years. In this opening fireside chat, with our guest of honour Mr. Li Hongyi, Director of Open Government Products (OGP) at GovTech Singapore, he will share how small, empowered teams can re‑design public services from the bottom up and deliver tech that frontline officers and citizens actually use.
  
  Under the theme “Imagine It, Ship It: Tech for the Public Good”, the conversation will explore how OGP chooses problems worth solving, avoids “pilot purgatory”, and builds technology that empowers without overwhelming – including where data and AI truly help, where they become “AI nonsense”, and what makes digital systems trustworthy in an era of scams, disinformation and rapid automation.
  
  Host: Ensley Tan, Industry Lead for Public Sector (Asia-Pacific), SAS
  Guest of Honour: Li Hongyi, Director, Open Government Products, GovTech
  
  
• 1:35 PM
  [Presentation] Government’s Next Advantage: Turning Trusted AI into Public Impact
  Public sector organisations face rising expectations, constrained resources and increasingly complex risks—all while AI continues to advance rapidly. The challenge is no longer simply to experiment with AI, but to turn it into trusted, operational capabilities that improve decisions, services and public outcomes.
  
  This session will explore the forces reshaping government and how public-sector leaders can move from AI ambition to responsible impact at scale. It will also share how SAS is evolving to help organisations make earlier, smarter and more trusted decisions, setting the context for the Public Sector Track.
  
  Speaker: James D. Ruotolo, Senior Director, Global Customer Advisory, SAS
  
  
• 2:00 PM
  [Panel Discussion] From Reactive to Predictive: Redesigning Population Health Before the Crisis Hits
  Health systems in Singapore and across the region are shifting from episodic care to preventive, community-based models – but many providers still operate with retrospective views of risk. In this panel, public sector and health leaders will share how they use integrated clinical, public health and community data, real-time and streaming analytics, and explainable, governed AI to anticipate deterioration, identify and close care gaps that support Healthier SG, and make faster, trusted decisions at population scale – while empowering healthcare providers and leaders alike to drive adoption of AI and analytics through effective change management and stakeholder alignment.
  
  Moderator: Dr. Mark Lambrecht, Global Head, Health Care and Life Sciences Advisory, SAS
  
  Panelists: 
  Dr. Kevin Kok, Head of Digital Services, National Healthcare Group
  Dr. Ling Zheng Jye, Chief Medical Informatics Officer (CMIO), National University Hospital (NUH)
  Jason Hu, Head of Clinical Services Development, Singapore General Hospital (SGH)
  Pavitra Krishnaswamy, Principal Scientist and Group Lead, Institute of Advanced Intelligence and Computing, A*STAR
  
  
• 2:40 PM
  Break
  
  
• 3:15 PM
  [Panel Discussion] Demystifying the sovereignty hype: governing data and digital infrastructure for innovative AI deployments
  The public sector and regulated industries are required to understand and assess how emerging digital sovereignty requirements may apply to them or affect their operations.  Amidst current global geopolitical tensions, there is a growing need to identify dependencies, manage risk and ensure control of data and the entire digital infrastructure of an organization. Singapore is advocating for interoperability, not isolation. To this end, appropriate risk classification and robust governance are key.
  
  This session will discuss how to navigate the sovereignty hype, offering practical recommendations in order to enable organisations to continue to pursue innovative AI deployments.
  
  Moderator: Charmian Aw, Partner, Hogan Lovells Lee & Lee
  
  Panelists: 
  Jamin Tan, Director, Ecosystem Development & Engagement, Infocomm Media Development Authority (IMDA)
  Jared Ragland, PhD, Vice President, APAC Policy, The Business Software Alliance (BSA)
  Kalliopi Spyridaki, Chief Privacy Strategist, EMEA & Asia Pacific, SAS
  
  

• 3:55 PM
  [Presentation] Protecting Public Funds with AI: A Smarter Approach to Benefits Integrity, Fraud and Eligibility Risk
  As social benefit schemes and grants grow in volume and complexity, the risk of leakage and eligibility errors increases. This session will explore how we can identify sophisticated fraud patterns in real time while ensuring that human-in-the-loop oversight remains effective, transparent, and accountable. It will also showcase how AI can help ensure a more equitable distribution of social benefits while proactively reducing fraud, errors, and emerging risks.
  
  Presenter: Keith Swanson, Director, Fraud and Compliance, Asia Pacific & Japan, SAS
  
  
• 4:20 PM
  [Panel Discussion] Breaking the Transformation Logjam: Strategy, Execution and AI
  Most agencies have a transformation strategy and have sent officers for transformation training. Far fewer have cracked how to execute it. Legacy systems, culture, rotating leadership, regular work can exacerbate and distend the implementation process.
  
  Meanwhile, sensitive workloads and sovereignty requirements limit reliance on always connected cloud models, meaning that transformation can face jams from both a legacy and a data sensitivity front.
  
  This panel will discuss strategies for unclogging transformation efforts, creating sovereign by design infrastructure combined with analytics and AI capabilities , ultimately enabling agencies to modernize legacy platforms, support secure decisioning in restricted environments, and scale transformation beyond pilots without compromising trust, resilience, or national control.
  
  Moderator: Greg Henderson, Senior Director, Global Health and Public Sector Risk, Fraud and Compliance Solutions, SAS
  
  Panelists: 
  COL Ooi Tjin Kai, Head of Naval Operations, Republic of Singapore Navy
  Aor Charoenmuang, Partner, Gov+, Practice Lead, Data Applications, NCS
  Joseph Yong, Public Sector Solution Leader, APAC, HPE
  
  
• 5:00 PM
  [Presentation] SAS Technology Update: Advancing Data and AI for Government
  Learn how SAS is evolving its technology to better support government agencies with data, analytics and AI. This session will provide an overview of recent and upcoming capabilities designed to help the public sector unlock insights more easily, strengthen governance and deliver better outcomes for citizens.
  
  Speakers: Ensley Tan, Industry Lead for Public Sector (Asia-Pacific), SAS
  Justin Leong, Associate Systems Engineer, Global Technology Practice, SAS
  
  
• 5:20 PM
  Chairperson's Closing Remarks
  Noshin Kagalwalla, Vice President – Public Sector (Asia Pacific) & Managing Director, India, SAS
  

Insurance track explores how technology is reshaping the insurance value proposition—turning complex regulatory frameworks into actionable business insights, solving real-world challenges, and transforming how risk is assessed and managed.

• 1:15 PM
  Chairperson's Opening Remarks
  Oana Avramescu, Sr Manager, Global Insurance Solutions Leader, SAS
  
  
• 1:20 PM
  [Presentation] Life After Go-Live: The Next Chapter of IFRS 17
  Several years after IFRS 17 implementations went live, insurers are shifting their focus from compliance to value creation. In this session, SAS will explore how organizations are leveraging IFRS 17 data to generate deeper financial insights, enhance business decision-making, and strengthen performance management.
  
  The presentation will discuss the processes that continue to evolve post-implementation, the practical challenges insurers still face in day-to-day operations, and the trade-offs between analytical sophistication and operational efficiency. SAS will also share its perspective on the future of finance transformation, including how AI can enhance explainability, accelerate analysis, improve user experiences, and provide more intuitive access to insights—while maintaining strong governance, control, and auditability.
  
  Joshua Teng, APAC Insurance Risk Advisory Lead, SAS
  
  
• 2:00 PM
  [Fireside Chat] Agency Gaming
  Across Asia Pacific, life insurers are seeing a rise in agent-led fraud such as premium diversion, policy churning, and collusive claims. AI tools now enable agents and fraud rings to forge medical certificates, death records, and other documents with high accuracy, and to create synthetic identities that can pass automated checks, making traditional controls less effective. The need is clear, to increasingly adopt predictive fraud models at first notification and integrate with relevant analytics to reduce document or AI based fraud. AI is both helping insurers fight fraud faster but also empowering a few agents to commit more sophisticated schemes, requiring stronger governance and network-level detection. Please join us in today’s discussion as we navigate these issues surrounding fraud.
  
  Anuradha Sehgal, Senior Solutions Advisor, EME-AP, SAS
  Montree Thirasakthanam, Executive Vice President, Head of Technology and Innovation, Thai Life Insurance
  
  
• 2:30 PM
  Break
  
  
• 3:05 PM
  [Fireside Chat] Rising Catastrophe Risk: SAS and Swiss Re Unite to Help Insurers Stay Ahead
  Natural catastrophes are intensifying, and insurers are feeling the pressure of mounting losses. Traditional approaches are no longer enough. In response, SAS has partnered with global reinsurance leader Swiss Re to equip insurers with advanced tools and insights to better understand, price, and manage catastrophe risk in a rapidly changing world.
  
  Join this fireside chat to discover how this collaboration is helping insurers turn uncertainty into actionable intelligence—and build greater resilience against the risks ahead.
  
  Hosted by: Oana Avramescu, Sr Manager, Global Insurance Solutions Leader, SAS
  Guest Speaker: Yen Chin, Vice President of Risk Data Solutions, Swiss Re
  
  
• 3:40 PM
  [Presentation] The Future of Life Underwriting: Faster, Smarter, Safer
  As customer expectations shift toward real-time approvals, insurers must rethink traditional underwriting. Join this session to discover how automation is enabling a new balance between speed and precision—while tackling the complexities of data, health insights, regulation, and behaviour.
  
  Speakers: 
  Oana Avramescu, Sr Manager, Global Insurance Solutions Leader, SAS
  Albert Florencio da Costa, CTO & Co-Founder, s360.life
  
  
• 4:10 PM
  Chairperson's Closing Remarks
  Oana Avramescu, Sr Manager, Global Insurance Solutions Leader, SAS