2023 Asian Banking & Finance Forum Manila

Patricia Buenaventura Nichol is member of our global Financial Services practice. 

Patricia has more than 20 years of experience — including more than 15 years with Bain — advising corporate clients on topics including digitization, innovation, corporate and business unit strategy, and operating model.   

She has experience working on: 

Full potential strategy for large, multi-country and single-market international banks in APAC, Americas and EMEA; 

Full potential transformation for a major Philippine bank and a Philippine pharmaceutical company; 

Corporate due diligence and portfolio strategy for major private equity funds looking to invest in technology and consumer goods companies; 

Equity and debt fundraising for various Fortune 500 companies in energy, technology, industrial sectors, telcos (including Philippine telcos), and financial services companies. 

Patricia is also a core member of our banking innovation team, covering cybersecurity, open banking, agility, and disruptive trends impacting the financial services industry. 

She holds an MBA from Harvard Business School, an MPP from Harvard Kennedy School, and a B.A. from Williams College. 

Mr. Jose Teodoro “TG” Limcaoco is the President and CEO of the Bank of the Philippine Islands (BPI), the first bank in Southeast Asia. With a wealth of experience in leadership, Mr. Limcaoco's transformative vision and management capabilities have propelled BPI to new heights since his appointment in 2021. As Chairman of multiple entities within the BPI Group, President of the Bankers Association of the Philippines, and a recognized communicator, he embodies excellence in both finance and communication. His remarkable achievements and recognitions, including the 2023 Communicator of the Year award in the Executive Leader category from IABC Asia Pacific and the Gold Award for Best CEO in the Philippines in Asia's Best Managed Companies poll of FinanceAsia, underline his exceptional leadership and strategic prowess. Mr. Limcaoco's journey spans renowned institutions, from Ayala Corporation to esteemed global positions, reflecting his enduring commitment to driving innovation and progress.

As the Founder & CEO of Tonik (www.tonikbank.com), the first neobank in the Philippines, Greg is committed to building a trustworthy and simple banking experience to drive financial inclusion in the Philippines, where the majority of the population remains without bank accounts and without access to formal credit. He is a serial entrepreneur, having previously launched and led/co-led FORUM, Credolab, FLOW, AsiaKredit, and Platinum Bank. Ever since starting his first business at 17, I've been passionate about entrepreneurship and problem-solving.” 

Arniel Vincent Ong leads the credit cards, personal loans and payment solutions businesses of RCBC as the President and CEO of RCBC Bankard Services Corporation (RBSC). He joined RCBC in 2019 and was seconded to RBSC.

Under his leadership, the bank successfully transformed its credit cards business despite a challenging external environment, making it among the fastest growing credit cards businesses in the country today. RCBC Credit
Cards is a multi-awarded business and most recently has garnered the Credit Card of the Year Award from The Digital Banker 2022 Global Retail Banking
Innovation Awards.

Before joining RCBC, Mr. Ong held leadership roles in HSBC Philippines covering retail credit approvals, credit risk management, contact center management, business transformation, and digital channels
management. He has likewise worked in HSBC Vietnam to lead its consumer credit risk team on a short term assignment.

Mr. Ong is a Certified Financial Risk Manager by the Global Association of Risk Professionals and also holds a Professional Certificate in Customer Experience from The CX Academy. He has been active in the industry and was a former Credit Committee Chairman of the Credit Card Association of the
Philippines. Along with partner banks, he was instrumental in the launch of the country’s first comprehensive private consumer credit bureau.
Mr. Ong graduated with double degrees in Management Engineering and Economics from the Ateneo de Manila University.

About RCBC Bankard Services Corporation

RCBC Bankard Services Corporation (RBSC) is a subsidiary of RCBC. It is tasked to manage the credit cards, personal loans and payment solutions businesses of the bank. All licenses relating to the conduct of these businesses are owned by RCBC. The portfolio, its customers, balance sheet and financial outcomes are likewise owned by the bank with the lending assets and financial results forming part of RCBC’s consolidated consumer lending portfolio and overall financial results respectively. RBSC has over 400 staff and officers.

Over 25 years of consumer banking experience, Abbie has extensive exposure in the various areas of the credit cycle for consumer finance, small business loans and credit cards.

She has successfully managed and scaled various secured and unsecured consumer and small business loans portfolio. She has held senior positions in multinational and domestic banks like Citibank, GE Money, BDO and Security Bank.

She earned a masters level Post Graduate Diploma in Global Business at the University of Oxford and graduated with a Bachelor of Science degree in Business Economics (Cum Laude) from the University of the Philippines. She is also a certified Six Sigma Blackbelt.

He was previously the Group Head of the Bank’s Cards Business and Customer Contact Center. He has more than 25 years of experience in the banking industry, having held key executive roles in HSBC, Metrobank Card Corporation and Metropolitan Bank and Trust Co., in the fields of cards and payments, retail banking, consumer and corporate credit risk and bancassurance. Mr. Alday graduated from the University of the Philippines with a Bachelor of Science degree in Business Administration. He has obtained extensive banking exposures in the Philippines, Hong Kong, Singapore, United Kingdom, and Australia.

Dr. Adrienne Heinrich heads the AI and Innovation Center of Excellence at Aboitiz Data Innovation (ADI) and at Union Bank of the Philippines (UnionBank).

Before that, Adrienne led AI and Machine Learning for personal health and connected care products at Royal Philips.

She has a background in Information Technology (master’s degree at ETH Zurich) and has received her PhD at the Eindhoven University of Technology on video motion analysis for emerging application areas.

James is Vice President of Business Development for the Asia Pacific team at Collinson, a global leader in customer engagement, loyalty, and traveller experiences.

James is passionate about partnering with clients and working with them to design holistic programmes that drive true change within their business. For over 15 years, James has worked in the Asia Pacific region leading and managing teams to build strategic solutions for brands in various industries, including financial
services, travel and hospitality, fast moving consumer goods, and electronics. Having a keen understanding of how consumers’ expectations have evolved over the years, James incorporates these insights as he shapes the design of his clients’ programmes, from discovery stages through to delivery.

As a business leader, James has extensive experience leading high-performance teams in Asia Pacific to achieve growth and success for clients.

Fridolin runs XiXun Asia, a boutique management consulting firm in Singapore. He delivered large scale front to back business and IT platform changes as a Program Director and Operating Model Designer. He has more than 35 years’ banking experience in Europe and Asia in both the run and change the bank dimensions. He has successfully led or advised teams on more than 10 core banking transformation projects including Credit Suisse, Royal Bank of Canada, Maybank and Deutsche Bank PWM. He designed the IT Blueprint for an online fashion retailer, advised a German telco on their digital transformation journey and project lead Crealogix’ suite of products to Bangkok Bank. Most recently he assessed the target operating model and competitive advantage proposition of a Malaysian tier 1 bank’s wealth management to design their digital blueprint and roadmap. 

Nate Clarke is a founding member of Singapore-based digital banking group Tyme where he dedicated the last ten years to designing, building, and operating digital banks in emerging markets.  Now, Nate is looking to make high quality banking accessible and affordable to millions of Filipinos as President and CEO of GoTyme Bank, a joint venture between the Philippines’ Gokongwei group and Tyme.

Nate’s experience spans general management, product, and strategy to include leading the rollout of Tyme’s digital proposition in Indonesia, growing the MTN Mobile Money in South Africa to a customer base of 4 million, and most recently heading product and strategy for Tyme in the creation of Africa’s fastest growing bank.

Prior to joining Tyme, Nate spent six years in Deloitte Consulting US’s Strategy & Operations practice where he fostered a passion for financial inclusion while on a project in Tanzania.  Nate holds a BA in Political Science with a minor in Economics from James Madison University.

At the launch of GoTyme Bank in October 2022, Nate said that GoTyme’s next-level banking experience will be able to address gaps in Filipino financial services. He mentioned that many Filipinos fall short of their financial potential because of lack of access to high-quality banking products and services, and that GoTyme Bank promises to unlock the financial potential of millions of Filipinos.

Angelo Madrid is the President of Maya Bank, the no. 1 digital bank in the Philippines. 

Before joining Maya Bank, Angelo served as the Country Manager of Tala Philippines (Tala PH), a US-based fintech lending startup. He also held various executive leadership roles with Citibank, based in New York, including co-founding a fintech startup with Citi Ventures that uses alternative data to help consumers in the US gain access to credit. Early in his career, he practiced law at Baker & McKenzie (QT) and Sycip Law, doing banking, project finance, and M&A transactions. 

Gelo received his bachelor's degree in Management and Juris Doctor law degree from the Ateneo de Manila University. He completed his MBA from Duke University - Fuqua School of Business.