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OF OF 2017
Low Min Ying
Company: ACR Capital Holdings
Job title: Financial controller
2014: Financial controller, ACR Capital Holdings
2013: Chief financial officer, Tenet Sompo Insurance
2009: Chief financial officer, Liberty Insurance
2007: Finance manager, reinsurance, IAG Re Labuan
2006: Senior vice president (finance), Pacific Star
1996: Director (finance, human resource and
administration, compliance), Catlin Asia
As individuals, everyone has their own set of beliefs and
comfort zone boundaries. When pushed outside their comfort
zones, some may demonstrate resistance. Time and patience
are needed to help people overcome any psychological
obstacles to change. This can be extremely challenging
if time is against you or if the work environment where
the transformational change is to take place is unstable. It
is however also extremely rewarding when you manage to
break through that resistance and get everyone to work
solidly together to successfully bring about the changes
If you had chosen a different profession/career path, what
would it have been?
I would not consider another career path. I tried once,
mid-way through my career, a short stint in a real estate
investment company but quickly realised that reinsurance
really is The One.
If I do make a change again, it would be to switch from
operations to a consultancy role in the reinsurance industry.
I’d like to provide training and development to reinsurance
finance professionals and to provide advisory services to
industry players on finance structures, processes, identified
areas of improvements and to help companies manage
transformational change in their finance systems and
Why did you choose to work in this industry?
I was a fresh graduate working in the aviation industry and
was completely clueless about re/insurance when I started. I
came by the opportunity to join Tat Lee Insurance (a direct
insurer fully owned by a bank which was ultimately merged
into the OCBC group in 2002) to lead their finance team.
For someone with just two years of working experience, it
was an opportunity of a lifetime and I seized it. Joining the
industry was not an intentional or conscious decision, but I
can say after 24 years that it has proven to be a right decision.
What has been the highlight of your career so far?
There have been numerous, but several stand out for me. I was
able to build and/or develop sound internal financial systems
and processes as well as groom professional teams to support
the company’s business strategies. In certain instances, these
have significantly helped to develop a competitive advantage
for the company.
What has been the biggest challenge you have encountered?
The word that comes to my mind immediately is people.
People are your greatest asset but can also be your biggest
challenge too. For any transformational change to be
successfully implemented, you need the affected people to
understand why the changes have to take place, appreciate
the benefits the transformation will bring to the company
and themselves, so they may accept the changes and to stay
committed to bring about the changes needed.
“Time and patience are needed to help
people overcome any psychological
obstacles to change.”
www.intelligentinsurer.com 2017 | INTELLIGENT INSURER | 71