LOW YI HONG, CTP
EDUCATION
Help University
Selangor, Malaysia
Bachelor of Business (Finance)(Hons)
Mar 2017 - May 2020
● Class/Club/Awards: Second Upper Class, Vice President of Help University Investment Club, Korean
Immersion Program Scholarship, Yayasan Tan Sri Lee Shin Cheng (IOI) Scholarship
CERTIFICATION
Certified Treasury Professional
Association for Finance Professionals (AFP) - Elite Member
July 2023 - June 2026
WORK EXPERIENCE
Kering Services Malaysia Sdn. Bhd. – Kering,
Regional Treasury Operations - SSC
Petaling Jaya, Malaysia
Treasurer, APAC
June 2025 - Present
● Countries Coverage: Australia, New Zealand, Thailand, Vietnam on cash and liquidity management
● Perform weekly cash positioning using SAP Analysis for Office (AFO), categorizing inflows/outflows and
forecasting vendor payments with SAP Tcode FBL1N and FAGLL03, achieving 100% funding coverage
and zero payment delays.
● Manage monthly intercompany settlements through detailed cash flow analysis incorporating MoM sales
performance, financial ratio analysis, and forecast monthly inflows and outflows.
● Oversee end-to-end execution of ad-hoc tasks including merchant terminal upgrades, issues and return,
onboarding of TH credit facility with Deutsche Bank and Hong Kong bank accounts opening with HSBC.
Key Achievements
● Develop a cash flow dashboard for 8 Taiwan entities by integrating Excel with SAP AFO to automate
cash positioning process and savings in 0.2 FTE time.
● Introduce financing and deposit rate comparison across all panel banks in APAC, resulting in EUR 100k
cumulative value through optimization of savings deposits (Hong Kong & Macau) and reduced shortterm loan costs (Thailand).
● Implement financial ratio analysis utilizing SAP AFO by classifying 9,500+ GL accounts across APAC,
supporting funding strategy optimization.
Kimberly-Clark Regional Services (M) Sdn. Bhd. – Kimberly-Clark,
Regional Treasury Operations - GBS
Petaling Jaya, Malaysia
APAC Treasury Analyst
Feb 2024 - June 2025
● Countries Coverage: India, China, Hong Kong, Taiwan, Korea, Vietnam, Thailand, Malaysia, Singapore,
Indonesia, Philippines, Australia, New Zealand
● Oversee and manage bank portals (HSBCnet, CitiDirect, JPMorgan, other local banks) users spread across
payroll, OTC, P2P, R2R and in-house bank team with more than 100 active users as security manager.
● Facilitate and coordinate internal and external stakeholders requests covering treasury front office, analyst
and back office functions with Microsoft Lists which has reduced the lead time by average 50%.
● Lead governance of the bank guarantees process flow, which includes maintaining records in FIS Quantum,
proofreading contracts, and keeping relevant stakeholders informed before maturity.
● Lead in building Power BI dashboards reporting for APAC Treasury includes bank facilities, bank fees,
bank accounts, online bank portal access list, FX dealers & confirmer directories, turnaround time and
weekly reporting dashboards
Projects (Completed)
• Design visual workflow for treasury on account opening & closing, bank portals administration, bank
guarantee
• Bank statements automation from bank portals (Citibank & HSBC) which contributes more than 150
hours savings per annum
• Centralization of Citibank SCF bank access across 9 countries and over 15 SCF Programs
NCR Malaysia Sdn Bhd – NCR Corporation,
Treasury & Investor Relations
Kuala Lumpur, Malaysia
APAC Treasury Analyst
May 2023 - Nov 2023
● Countries Coverage : India, China, Hong Kong, Macau, Taiwan, Korea, Japan, Thailand, Malaysia, Brunei,
Singapore, Indonesia, Philippines, Australia, New Zealand, Fiji
● Handling a total of 16 countries in the APAC region covering daily cash positioning and forecast,
funding, KYC, cash repatriation, monthly intercompany loan, and settlements involving projecting
funds needed for each country, preparing wires and determining FX requirements.
● Familiar with Treasury Management System (TMS)- Kyriba including bank account management,
host-to-host connection (MT940), daily cash positioning and forecast, import and upload payment
templates as well as set up mapping rule, bank accounts and entities in Kyriba.
● Expert as a CitiDirect user ranging from role as a maker, approver and system administrator to
accounts payable, payroll team spreading across 16 countries. Well-acquainted with Anti Money
Laundering (AML) release requirements for APAC regions for CitiDirect users.
Key Achievements
● Spearheaded NCR Corporation spin-off project (Scion) on onboarding accounts for Australia,
New Zealand, and Malaysia.
● Spearheaded APAC treasury operational activities during regional treasurer business traveling to
the U.S. for 2 weeks.
● Spearheaded USD capital infusion into China and well-acquainted with the process flow and
documents required.
● Lead on the migration project for all APAC bank signers' records from Excel to the e-BAM (Bank
Account Management) module in Kyriba
● Resolved Employee RSU Options for China employees which have been on hold since March 2023
within a month.
IOI Global Services Sdn Bhd - IOI Corporation Berhad,
Commodity Accounts
Putrajaya, Malaysia
Finance Executive
July 2020 - May 2023
● Manage cashflow including invoice financing (more than 150 applications with 7 digits savings),
reconcile and plan on month-end inter-company settlement for 3 subsidiaries (100% on-time
settlement) as well as cash flow forecast for bulk payments which include FCPO tender payments,
futures account margin calls and loans repayment with a total value of at least RM’mil daily.
● Automate daily routine tasks with Python i.e. morning rundown, SAP Fiori as well as indicative rates
and swaps from 6 banks with a 98% accuracy rate and savings of 90% time cost daily.
● Experience in forex (FX) hedging with over 1500+ forward and options contracts entered and pickup
(0% pickup rollover) to manage USD foreign currency risk (avg 90% hedge effectiveness) with over
8 digits gains as well as skillful in performing technical analysis on exchange rates.
● Proficient in SAP S/4 Hana and perform various UATs to enhance efficiency and accuracy with
familiarization over 90% of SAP Treasury Module functions including treasury and risk
management, financial accounting, asset accounting, general ledger and business partner reports.
● Provides recommendations of strategies to HOD consistently with various simulations on hedging,
pick up of FX contracts, cash forecast and financing which has recorded more than 7 digits in value.
● Plan, execute, coordinate (Team Lead) with comprehensive presentations experience (3) to senior
management for Principal Hub Incentive Scheme Annual Compliance submission (completed 6
projects) which records a total of 8 digits of savings in tax (RM).
LANGUAGES & SKILLS
Languages : English (Proficient), Chinese (Proficient) and Malay (Fluent)
Hard Skills : Kyriba | CitiDirect | HSBCnet | Power BI, Power Apps, Power Automate | Microsoft Office
SharePoint Lists | SAP, AFO | Programming (Python)
Soft Skills : Critical Thinking, Communication, Problem Solving, Project Management, Teamwork,
Independent, Time-Management
