Chairperson of the Board of Directors
Chien-Fa, Chuang was appointed Chairman of the Board in 2025, bringing with him a distinguished track record of over 30 years in the financial sector. A holder of an MBA from Syracuse University, USA, his extensive career spans several high-profile roles. Prior to his current position, he was the Managing Director at Merrill Lynch (Asia Pacific) Limited in Hong Kong and served as Vice President at Citi Group. His deep understanding of the financial landscape is also evidenced by his roles as Board Director at SinoPac Securities Investment Trust Co. Ltd and SinoPac Insurance Brokers Limited. His tenure at Bank SinoPac was marked by his leadership as Senior Executive Vice President, where he was instrumental in managing diverse banking functions including both onshore and offshore Corporate Banking, Retail Banking, Financial Markets, and Wealth Management. His experience also extends to his role as Chief Executive of the Hong Kong branch, where he was pivotal in overseeing the bank’s strategic direction and cross-border integration. As Chairman, Mr. Chuang aims to leverage his vast expertise to foster sustainable development and enhance financial inclusivity at Amret.
Director
Antonius was appointed to the Board of Directors as an independent member in November 2020. He is Chairman of the Audit Committee and a member of the Risk Oversight Committee and Nomination and Remuneration Committee. He studied business economics at the University of Rotterdam, the Netherlands. Antonius has extensive experience in international banking, having worked in Australia, Vietnam, the US and the Netherlands in various managerial roles with a focus on structured finance, risk, portfolio management and treasury. From 2003 to 2006 he was the Managing Director of ABN AMRO Bank N.V., responsible for the institution’s European credit portfolio and a member of its principal credit committee. Since 2007 he has been active as an entrepreneur and has been applying his experience in consultancy and non-executive roles after selling his consultancy business. He has served on the boards of various microfinance institutions across Asia.
Director
Oluwatobi was appointed as a member of the Board of Directors as in May 2022. She is a member of the Audit Committee and of the Nomination and Remuneration Committee. She is a Fintech and Digital Transformation expert who guides companies to increase efficiency, revenue growth and sustained profitability by identifying optimal business models and focused attention on risk management. She is the creator and pioneer lead of the Verve Payment Card, the largest domestic card scheme in Africa, issued over 52 million cards and accepted in over 185 countries across the globe. Her over 20 years of experience in Fintech, Banking and Finance industry spans across Card Payment, financial inclusion, mobile money, micro finance, retail banking, electronic banking having worked in various senior roles specializing in digital transformation, business strategy and business model innovation. She is an alumna of Harvard Business School USA, holds a master’s degree in strategic marketing from Cranfield University UK and Bachelor of science degree in economics at the Ogun state University, Nigeria.
Director
Ching-Ching Chen was appointed as a Director in 2025. He graduated from the National Kaohsiung University of Science and Technology in Taiwan with a PhD in Business Administration, majoring in finance, and a Master of Business Administration from George Washington University in the United States, majoring in real estate. He has served as a director of the Kaohsiung District Farmers' Association in Taiwan for 20 years. The farmers' association is mainly engaged in farmers' loans and land financing for developers. In addition, Mr. Chen also serves as a director of the Kaohsiung University of Science and Technology Angel Fund, responsible for evaluating and investing in new companies founded by professors or students from colleges and universities in the Kaohsiung area. Besides, he is the CEO of Chinese City International Management Consulting. The company's main businesses are urban planning, real estate investment consulting and land development feasibility assessment.
Director
Pin-Jui, Huang was appointed as a Director in 2025. With 25 years of experience in the financial industry, she currently holds the positions of Executive Vice President, Chief of the President's Office, and Acting Spokesperson at Bank SinoPac. She graduated from the MBA program at National Chengchi University, Taiwan. From 2018 to 2023, she led the Digital Banking Division at Bank SinoPac, focusing on digital banking development and digital transformation strategy. Before joining Bank SinoPac, she worked at Citibank and HSBC, where she managed cash management and global trade finance. Her expertise in digital finance and comprehensive projects is invaluable for global cross-border development.
Director
Wen-Ta, Kuo was appointed to the Director in 2025. He studied for a Master’s in Statistics at Tunghai University, Taiwan, and has worked at companies such as Bank SinoPac, Citibank, Standard Chartered, Taipei Fubon Bank, and O-Bank in Taiwan, and has extensive experience in the banking industry. He is engaged in credit risk management, model development, data application and digitalization of retail financial business within the bank, expanding overseas retail business, etc., and promotes Taiwan's successful experience overseas.
Independent Director
Cheng, Hoo was appointed as an Independent Director in 2025. He has an MBA degree from Oregon State University and an MS degree in Information & Decision Science from San Diego State University, US. He previously served as Managing Director and Co-Head of Greater China at Capmark Financial Inc., General Manager of the Taipei Branch of Bank of Hawaii, and Senior Manager of the Taipei Branch of Bank of Nova Scotia. He is currently the Founder and Managing Partner at AyeVest Capital Partners Ltd., Taiwan.
Independent Director
Joy Lan-Ya, Hu was appointed as a Director in 2025. She studied for her Bachelor of Arts in Business Economics at Brown University in the United States, and has served as a Managing Director at Credit Suisse (Hong Kong) Limited. She has 23 years of experience in the financial services industry, primarily working in investment banking and global markets. She held a variety of senior managerial and supervisory positions, running multiple teams based in various locations and serving a spectrum of clients across APAC. She built #1-ranked businesses by deploying her understanding of clients and products, recruiting, and leading coverage teams, and managing legal, compliance, and risk exposure aspects.
Independent Director
Song Saran was appointed to the Board of Directors in July 2021. He is the Co-founder & CEO of Amru Rice (Cambodia) Co., Ltd. – one of the largest rice millers and exporters in Cambodia, working with over 100 cooperatives and over 10,000 farmers, more than 60% of whom are women. The company has grown its rice exports to over 450,000 tons from 2011 to 2020. Saran has attended multiple local and international programs and has won many awards, including the Country SME Innovation Award; Agrow Award; Young Entrepreneur Award” by Asean Business Council in Singapore in 2018; ASEAN Leadership Awarded by Cheung Kong Graduate School of Business (CKGSB) in 2019 in Shanghai; the “Young Takeda Entrepreneur Award” by the Takeda Foundation, Tokyo University in 2016; and the “Gold Medal on Entrepreneurship Award” by McKinsey & Company in 2006. Saran holds a BBA and Master’s Degree of Business Administration from the National University of Management, Cambodia and is currently a PhD candidate in Economic Science at the Royal Academy of Cambodia.
The Audit Committee is established and chaired by an independent non-executive board member. Its mission is to ensure the effectiveness and efficiency of internal audit tasks and the internal control system, and the adequacy of reporting and decision tools.
The committee meets at least four times a year, and otherwise as required. The duties of the committee are to review internal and external audit functions, monitor the integrity of financial statements, ensure compliance with internal policies, laws and regulations, and review risk management and internal controls in order to provide recommendations for improvement.
The IAD is independent of all Amret’s operations and reports directly to the Audit Committee. Its vision is to be recognized as a professional internal audit body that provides value-added recommendations to management and trusted consultation to the Board. Its mission is to provide professional and independent appraisals of Amret’s activities in order to add value by improving operational efficiency and effectiveness, monitoring internal control systems, and ensuring compliance with policies, laws and regulations.
Chief Executive Officer
Dinn was appointed as the Chief Executive Officer in January 2019. His career at Amret started in 1996 as supervisor of provincial office. He transferred to the Product Development Unit two years later and progressed through the company to become operations manager in 1999 and then chief operations officer from 2008-2011. He was appointed as Deputy Chief Executive Officer in February 2011 before appointed as CEO. Dinn holds an MBA from the Utara University of Malaysia (UUM), and a bachelor’s degree from the Royal University of Agriculture, Cambodia.
Chief Operation Officer
Sopha was appointed as Chief Operations Officer in 2022. She is leading Business Operations and Legal &Compliance Department-taking key responsibility in designing, implementing, and monitoring sound (limited operational risk) and efficient business processes with the objectives to maximize productivity, staff, and Client experience. She is also currently served as Interim Chief Finance Officer. She started her career as Provincial Supervisor to Chief Accountant and then to Head of Finance, before changing career directions in 2012 to the Human Resources division. She was promoted to Chief Human Resources Officer in 2016. She has a great mix of experiences in various leadership and management roles with the company for more than 24 years and is passionate about empowering people to realize their potential and achieve their goals. She holds an MBA from Charles Sturt University, Australia, and a BA in Entrepreneurship from the Faculty of Economics and Science, Phnom Penh.
Chief Sales Officer
Youhay was appointed to his current role as Chief Sale Officer in 2018. His journey at Amret start in 2000. He started working for Amret as Assistant Provincial Supervisor Kandal province. At the end of 2001, he was promoted to Provincial Supervisor of Kampot province. In early 2010, he was promoted to Head of Operations and in June 2015, he was appointed Head of Sales Credit. He graduated from Ukraine with a Master Degree of Science in Economics in 1997.
Chief Human Resources Officer
Sinat was appointed as Chief Human Resources Officer in July 2021. Before joining Amret, Sinat served as the Country HR Director at Coca-Cola Cambodia. Sinat has more than 20 years’ experience as a human resources professional, working in several multinational companies across various sectors. He has held many positions in developing and implementing HR strategies, directions, policies, and procedures, as well as focusing on maximizing human resource utilization in achieving growth and competitiveness. Sinat holds a Master’s Degree in Business Administration Management and two Bachelor’s Degrees: one in English for Business Communication from Norton University and one in Accounting from the National University of Management.
Chief Internal Audit Officer
Meath was promoted to be Chief of Internal Audit Officer in January 2019. He has worked at Amret for more than 17 years. He first joined Amret as Junior Internal Auditor in 2003 and pursued various roles such as Senior Internal Auditor (2004), Financial Audit Unit Manager (2007), Deputy Head of Internal Audit (2008), and Head of Internal Audit (2011). Meath holds a Bachelor’s Degree in Business Administration from the National University of Management (NUM) and an MBA from Build Bright University (BBU).
Chief Information Officer
Sajjad joined Amret in June 2019 and has been driving the digital transformation program with solutions focused on growth, productivity, innovation, governance, and cyber security. Sajjad has extensive international experience in the financial services sector having spent 17 years with GE Capital in various leadership roles. Prior to joining Amret, he worked as an executive consultant with several private and public sector organizations on business growth and transformation initiatives. Sajjad holds a BSc in Business Management, MSc in Computer Science, Executive MBA and in the process of completing his part time Doctorate.
Acting Chief Commercial Officer
Ratha was appointed as Acting Chief Commercial in July 2023. He began his banking career with Amret as Credit Officer in 2005 and went through various roles from sales, training, and product. In 2017, he was promoted to head of credit product, and head of commercial product in 2019. Ratha holds a master’s degree in finance and banking from BBU. Ratha experiences with various key functions including product development, commercial strategy development, segmentation value proposition, campaign to support product performance, product pricing management, lending guideline, and credit methodology development.
Chief Risk Officer
Vichet was appointed Chief Risk Officer in April 2021. He has been at Amret for 15 years, moving across functions including Economic Analyst, Project Management, Product development, Sales and then Risk Management. He holds an MBA from Kun Shan University, Taiwan and a BA in Economics from the Royal University of Law and Economics.
Chief Financial officer
Winston was appointed to his current role as Chief Finance Officer in January 2024, supervising Finance, Treasury, Strategic Planning and Administration departments under his leadership. Prior to joining Amret, he held similar leadership roles as CFO in Prince Bank Plc., a commercial bank in Cambodia (2019 to 2023) and as CFO in Prudential Vietnam Finance Co. Ltd., a micro-finance company in Vietnam (2015 to 2016). He began his career in Malaysia as an auditor with KPMG before progressing his career into banking, where he has accumulated over 20 years of experiences in Retail Banking, SME, and Commercial Banking. His extensive mix of banking experiences in area of finance, treasury, business planning, customer analytics, partnership development, campaign, and product marketing. Winston holds a Bachelor’s Degree in Accounting from The National University of Malaysia (UKM).