Clifford Chew
Co-Founder and Director of Strategy at heritance digital- Claim this Profile
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Bio
Yeowteng Lok
Due to family reasons, my wife and I relocated "hurriedly" to Singapore from US. As a financial coach, Clifford has helped us adjust quickly to the financial matters in Singapore. With Clifford's advice, we leveraged insurance to minimize potential exposure to healthcare costs. Besides, he has also helped us set up our own company. Clifford will continue to be our trusted advisor as we plan for financial freedom and legacy.
Andrew Loone
Clifford is truly committed to the success of the people he work with. After a long period of transition, he helped me with new perspectives on career and re-invent myself to be able to secure many interviews and ultimately my dream career.
Yeowteng Lok
Due to family reasons, my wife and I relocated "hurriedly" to Singapore from US. As a financial coach, Clifford has helped us adjust quickly to the financial matters in Singapore. With Clifford's advice, we leveraged insurance to minimize potential exposure to healthcare costs. Besides, he has also helped us set up our own company. Clifford will continue to be our trusted advisor as we plan for financial freedom and legacy.
Andrew Loone
Clifford is truly committed to the success of the people he work with. After a long period of transition, he helped me with new perspectives on career and re-invent myself to be able to secure many interviews and ultimately my dream career.
Yeowteng Lok
Due to family reasons, my wife and I relocated "hurriedly" to Singapore from US. As a financial coach, Clifford has helped us adjust quickly to the financial matters in Singapore. With Clifford's advice, we leveraged insurance to minimize potential exposure to healthcare costs. Besides, he has also helped us set up our own company. Clifford will continue to be our trusted advisor as we plan for financial freedom and legacy.
Andrew Loone
Clifford is truly committed to the success of the people he work with. After a long period of transition, he helped me with new perspectives on career and re-invent myself to be able to secure many interviews and ultimately my dream career.
Yeowteng Lok
Due to family reasons, my wife and I relocated "hurriedly" to Singapore from US. As a financial coach, Clifford has helped us adjust quickly to the financial matters in Singapore. With Clifford's advice, we leveraged insurance to minimize potential exposure to healthcare costs. Besides, he has also helped us set up our own company. Clifford will continue to be our trusted advisor as we plan for financial freedom and legacy.
Andrew Loone
Clifford is truly committed to the success of the people he work with. After a long period of transition, he helped me with new perspectives on career and re-invent myself to be able to secure many interviews and ultimately my dream career.
Credentials
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CISSP, Certified Information Systems Security Professional
(ISC)²Nov, 2016- Oct, 2024 -
AWS Certified Solutions Architect - Associate
Amazon Web Services -
CITPM, Certified IT Project Manager (Senior)
Singapore Computer Society -
ITIL in IT Service Management
AXELOS Global Best Practice -
Oracle Sun Certified MySQL DBA
Oracle -
PMP, Project Management Professional
Project Management Institute -
Professional Scrum Developer Certified
Scrum.org -
Professional Scrum Master II (Advanced) Certified
Scrum.org -
Professional Scrum Product Owner Certified
Scrum.org
Experience
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heritance digital
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Singapore
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Consumer Services
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1 - 100 Employee
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Co-Founder and Director of Strategy
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Apr 2021 - Present
Impacting Generations through better Values and Wealth Inheritance It is said, “no family is united by its wealth alone.” heritance is Asia's most innovative digital platform and ecosystem for legacy planning, combining financial with memetic legacy to create effective inheritances for families. When families inherit values alongside valuables, family unity and purpose is sustained from one generation to the next. Impacting Generations through better Values and Wealth Inheritance It is said, “no family is united by its wealth alone.” heritance is Asia's most innovative digital platform and ecosystem for legacy planning, combining financial with memetic legacy to create effective inheritances for families. When families inherit values alongside valuables, family unity and purpose is sustained from one generation to the next.
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finexis advisory Pte Ltd
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Singapore
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Financial Services
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500 - 600 Employee
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Financial Advisory Representative
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Oct 2018 - Present
AEPP™, Master Fund Adviser® • Senior Practice Mentor • Investments • Corporate Insurance • Financial Risk Mitigation • 𝐈𝐦𝐩𝐚𝐜𝐭𝐢𝐧𝐠 𝐋𝐢𝐯𝐞𝐬 𝐁𝐞𝐲𝐨𝐧𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞. Creating a lasting, positive influence on the lives we touch. finexis advisory Pte Ltd, with offices in Singapore and Hong Kong, is in partnership with over 40 international fund houses, offering hundreds of professionally managed funds, more than 45 global and local life and general insurers, investment… Show more AEPP™, Master Fund Adviser® • Senior Practice Mentor • Investments • Corporate Insurance • Financial Risk Mitigation • 𝐈𝐦𝐩𝐚𝐜𝐭𝐢𝐧𝐠 𝐋𝐢𝐯𝐞𝐬 𝐁𝐞𝐲𝐨𝐧𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞. Creating a lasting, positive influence on the lives we touch. finexis advisory Pte Ltd, with offices in Singapore and Hong Kong, is in partnership with over 40 international fund houses, offering hundreds of professionally managed funds, more than 45 global and local life and general insurers, investment platforms and international banks. https://finexis.com.sg/ … (Company Website) https://finexis.com.sg/fc-disclaimer.html … (Disclaimer) Show less AEPP™, Master Fund Adviser® • Senior Practice Mentor • Investments • Corporate Insurance • Financial Risk Mitigation • 𝐈𝐦𝐩𝐚𝐜𝐭𝐢𝐧𝐠 𝐋𝐢𝐯𝐞𝐬 𝐁𝐞𝐲𝐨𝐧𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞. Creating a lasting, positive influence on the lives we touch. finexis advisory Pte Ltd, with offices in Singapore and Hong Kong, is in partnership with over 40 international fund houses, offering hundreds of professionally managed funds, more than 45 global and local life and general insurers, investment… Show more AEPP™, Master Fund Adviser® • Senior Practice Mentor • Investments • Corporate Insurance • Financial Risk Mitigation • 𝐈𝐦𝐩𝐚𝐜𝐭𝐢𝐧𝐠 𝐋𝐢𝐯𝐞𝐬 𝐁𝐞𝐲𝐨𝐧𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞. Creating a lasting, positive influence on the lives we touch. finexis advisory Pte Ltd, with offices in Singapore and Hong Kong, is in partnership with over 40 international fund houses, offering hundreds of professionally managed funds, more than 45 global and local life and general insurers, investment platforms and international banks. https://finexis.com.sg/ … (Company Website) https://finexis.com.sg/fc-disclaimer.html … (Disclaimer) Show less
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Calegro Consulting
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IT Services and IT Consulting
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Partner and Principal Consultant
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Nov 2016 - Present
Calegro provides Investment, Financing and Risk Management strategies for Startups and SMEs. My areas of interest are in 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 and 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗦𝗵𝗲𝗲𝘁 𝗠𝗮𝗸𝗲𝗼𝘃𝗲𝗿. Calegro possess deep financial expertise and is able to advise you on ways to enhance your Business Resilience, and regain control of your Revenue, Cashflow, Financing costs and Financial Risks. Whether you are a Startup or a small-to-medium Enterprise, Price is the most powerful… Show more Calegro provides Investment, Financing and Risk Management strategies for Startups and SMEs. My areas of interest are in 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 and 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗦𝗵𝗲𝗲𝘁 𝗠𝗮𝗸𝗲𝗼𝘃𝗲𝗿. Calegro possess deep financial expertise and is able to advise you on ways to enhance your Business Resilience, and regain control of your Revenue, Cashflow, Financing costs and Financial Risks. Whether you are a Startup or a small-to-medium Enterprise, Price is the most powerful lever of your business. "𝘐𝘧 𝘺𝘰𝘶'𝘷𝘦 𝘨𝘰𝘵 𝘵𝘩𝘦 𝘱𝘰𝘸𝘦𝘳 𝘵𝘰 𝘳𝘢𝘪𝘴𝘦 𝘱𝘳𝘪𝘤𝘦𝘴 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘭𝘰𝘴𝘪𝘯𝘨 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘵𝘰 𝘢 𝘤𝘰𝘮𝘱𝘦𝘵𝘪𝘵𝘰𝘳, 𝘺𝘰𝘶'𝘷𝘦 𝘨𝘰𝘵 𝘢 𝘷𝘦𝘳𝘺 𝘨𝘰𝘰𝘥 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴. 𝘈𝘯𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘩𝘢𝘷𝘦 𝘢 𝘱𝘳𝘢𝘺𝘦𝘳 𝘴𝘦𝘴𝘴𝘪𝘰𝘯 𝘣𝘦𝘧𝘰𝘳𝘦 𝘳𝘢𝘪𝘴𝘪𝘯𝘨 𝘵𝘩𝘦 𝘱𝘳𝘪𝘤𝘦 𝘣𝘺 𝘢 𝘵𝘦𝘯𝘵𝘩 𝘰𝘧 𝘢 𝘤𝘦𝘯𝘵, 𝘵𝘩𝘦𝘯 𝘺𝘰𝘶'𝘷𝘦 𝘨𝘰𝘵 𝘢 𝘵𝘦𝘳𝘳𝘪𝘣𝘭𝘦 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴." 𝙒𝙖𝙧𝙧𝙚𝙣 𝘽𝙪𝙛𝙛𝙚𝙩𝙩. Calegro will help you improve your cashflow, understand financial risks, and enhance your corporate governance, business ethics and social responsibility. Broad working experience with businesses involving Agile Portfolio and Project Management, Artificial Intelligence & Machine Learning, Business Data Analytics, Cloud Computing, E-commerce, FinTech, Internet and Information Security, Enterprise and Solutions Architecture. Show less Calegro provides Investment, Financing and Risk Management strategies for Startups and SMEs. My areas of interest are in 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 and 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗦𝗵𝗲𝗲𝘁 𝗠𝗮𝗸𝗲𝗼𝘃𝗲𝗿. Calegro possess deep financial expertise and is able to advise you on ways to enhance your Business Resilience, and regain control of your Revenue, Cashflow, Financing costs and Financial Risks. Whether you are a Startup or a small-to-medium Enterprise, Price is the most powerful… Show more Calegro provides Investment, Financing and Risk Management strategies for Startups and SMEs. My areas of interest are in 𝗣𝗿𝗶𝗰𝗶𝗻𝗴 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 and 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗦𝗵𝗲𝗲𝘁 𝗠𝗮𝗸𝗲𝗼𝘃𝗲𝗿. Calegro possess deep financial expertise and is able to advise you on ways to enhance your Business Resilience, and regain control of your Revenue, Cashflow, Financing costs and Financial Risks. Whether you are a Startup or a small-to-medium Enterprise, Price is the most powerful lever of your business. "𝘐𝘧 𝘺𝘰𝘶'𝘷𝘦 𝘨𝘰𝘵 𝘵𝘩𝘦 𝘱𝘰𝘸𝘦𝘳 𝘵𝘰 𝘳𝘢𝘪𝘴𝘦 𝘱𝘳𝘪𝘤𝘦𝘴 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘭𝘰𝘴𝘪𝘯𝘨 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘵𝘰 𝘢 𝘤𝘰𝘮𝘱𝘦𝘵𝘪𝘵𝘰𝘳, 𝘺𝘰𝘶'𝘷𝘦 𝘨𝘰𝘵 𝘢 𝘷𝘦𝘳𝘺 𝘨𝘰𝘰𝘥 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴. 𝘈𝘯𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘩𝘢𝘷𝘦 𝘢 𝘱𝘳𝘢𝘺𝘦𝘳 𝘴𝘦𝘴𝘴𝘪𝘰𝘯 𝘣𝘦𝘧𝘰𝘳𝘦 𝘳𝘢𝘪𝘴𝘪𝘯𝘨 𝘵𝘩𝘦 𝘱𝘳𝘪𝘤𝘦 𝘣𝘺 𝘢 𝘵𝘦𝘯𝘵𝘩 𝘰𝘧 𝘢 𝘤𝘦𝘯𝘵, 𝘵𝘩𝘦𝘯 𝘺𝘰𝘶'𝘷𝘦 𝘨𝘰𝘵 𝘢 𝘵𝘦𝘳𝘳𝘪𝘣𝘭𝘦 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴." 𝙒𝙖𝙧𝙧𝙚𝙣 𝘽𝙪𝙛𝙛𝙚𝙩𝙩. Calegro will help you improve your cashflow, understand financial risks, and enhance your corporate governance, business ethics and social responsibility. Broad working experience with businesses involving Agile Portfolio and Project Management, Artificial Intelligence & Machine Learning, Business Data Analytics, Cloud Computing, E-commerce, FinTech, Internet and Information Security, Enterprise and Solutions Architecture. Show less
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NETS
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Singapore
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Financial Services
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500 - 600 Employee
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Senior Vice President Technology
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Oct 2017 - Apr 2018
NETS is a leading payments services group, enabling digital payments for merchants, consumers and banks across the entire payments value chain, processing in excess of USD700 billion annually. Its financial processing services included direct debit and credit payments at point-of-sale and online, mobile payments, card services and real-time electronic funds transfer. NETS is a leading payments services group, enabling digital payments for merchants, consumers and banks across the entire payments value chain, processing in excess of USD700 billion annually. Its financial processing services included direct debit and credit payments at point-of-sale and online, mobile payments, card services and real-time electronic funds transfer.
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EdgeProp Singapore
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Singapore
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Real Estate
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1 - 100 Employee
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Interim CTO and Senior Management Consultant
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Jan 2017 - Aug 2017
EdgeProp (fka The Edge Property) helps investors, business partners and consumers make better decisions on all things property by empowering them with property news, data and analytics. As Chief Technology Officer, I was responsible for Business Technology Strategy, Product design & development, IT planning & outsourcing; Cloud infrastructure strategy & implementation; Security operations & management, Application (Web & Mobile) systems expansion, Agile project management, Quality… Show more EdgeProp (fka The Edge Property) helps investors, business partners and consumers make better decisions on all things property by empowering them with property news, data and analytics. As Chief Technology Officer, I was responsible for Business Technology Strategy, Product design & development, IT planning & outsourcing; Cloud infrastructure strategy & implementation; Security operations & management, Application (Web & Mobile) systems expansion, Agile project management, Quality assurance & Talent development. Show less EdgeProp (fka The Edge Property) helps investors, business partners and consumers make better decisions on all things property by empowering them with property news, data and analytics. As Chief Technology Officer, I was responsible for Business Technology Strategy, Product design & development, IT planning & outsourcing; Cloud infrastructure strategy & implementation; Security operations & management, Application (Web & Mobile) systems expansion, Agile project management, Quality… Show more EdgeProp (fka The Edge Property) helps investors, business partners and consumers make better decisions on all things property by empowering them with property news, data and analytics. As Chief Technology Officer, I was responsible for Business Technology Strategy, Product design & development, IT planning & outsourcing; Cloud infrastructure strategy & implementation; Security operations & management, Application (Web & Mobile) systems expansion, Agile project management, Quality assurance & Talent development. Show less
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Co-Founder and Chief Technology Officer
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Feb 1999 - Aug 2016
BuzzCity is a Global Advertising Network offering brand owners and agencies access to a global display network of Publishers. I managed Advertising, Media and Social Technologies for a Diverse, Global audience (Revenue USD 15M+, 300B+ Impressions, 6000+ Partners, USD 1M Annual Infrastructure Budget). As Product Owner, I was responsible for Product Strategy & Management, Technology Design & Implementation, R&D, Budgeting & Resource Planning, Talent & Leadership Development. I oversaw… Show more BuzzCity is a Global Advertising Network offering brand owners and agencies access to a global display network of Publishers. I managed Advertising, Media and Social Technologies for a Diverse, Global audience (Revenue USD 15M+, 300B+ Impressions, 6000+ Partners, USD 1M Annual Infrastructure Budget). As Product Owner, I was responsible for Product Strategy & Management, Technology Design & Implementation, R&D, Budgeting & Resource Planning, Talent & Leadership Development. I oversaw the Cloud Infrastructure, and architected a secure and highly scalable content distribution and payment platform in Shanghai and Nanjing. In our rich history, we developed other innovative applications: Gamma - the world's earliest intelligent session-based SMS service with worldwide premium billing. You may have experienced chatting with Sally in 2001. This was possibly the world's first commercial AI chatbot. Truly "she" was a program not a girl with insomnia. We launched the chatbot coinciding with Steven Spielberg's A.I. launch. A love-struck fan even traveled to BuzzCity looking for Sally. myGamma - Award-winning, world's fastest growing mobile social gaming platform in 2004. From the launch, it spread without much marketing to the entire world, and powered the world's earliest cross-carrier mobile media conversations outside SMS. In a few countries, it broke records to become dominant communication entertainment in 1 week - billions of messages were sent through myGamma in diverse languages and dialects all over the planet. In Africa, whole families from grandma to children, miles apart became connected. AWARDS 2015 Nov 26 – EMMA (Effective Mobile Marketing Awards) Most Effective Advertising Network – HIGHLY COMMENDED (2nd to Google) 2008 Aug 19 – Future Mobile Awards by Juniper Research Contribution to Mobile Web 2.0 – SILVER 2008 Feb 12 – 2008 Global Mobile Awards 2007 Nov 13 – 2007 GSMA Asia Mobile Awards Best Social Networking Service (both awarded to myGamma) Show less BuzzCity is a Global Advertising Network offering brand owners and agencies access to a global display network of Publishers. I managed Advertising, Media and Social Technologies for a Diverse, Global audience (Revenue USD 15M+, 300B+ Impressions, 6000+ Partners, USD 1M Annual Infrastructure Budget). As Product Owner, I was responsible for Product Strategy & Management, Technology Design & Implementation, R&D, Budgeting & Resource Planning, Talent & Leadership Development. I oversaw… Show more BuzzCity is a Global Advertising Network offering brand owners and agencies access to a global display network of Publishers. I managed Advertising, Media and Social Technologies for a Diverse, Global audience (Revenue USD 15M+, 300B+ Impressions, 6000+ Partners, USD 1M Annual Infrastructure Budget). As Product Owner, I was responsible for Product Strategy & Management, Technology Design & Implementation, R&D, Budgeting & Resource Planning, Talent & Leadership Development. I oversaw the Cloud Infrastructure, and architected a secure and highly scalable content distribution and payment platform in Shanghai and Nanjing. In our rich history, we developed other innovative applications: Gamma - the world's earliest intelligent session-based SMS service with worldwide premium billing. You may have experienced chatting with Sally in 2001. This was possibly the world's first commercial AI chatbot. Truly "she" was a program not a girl with insomnia. We launched the chatbot coinciding with Steven Spielberg's A.I. launch. A love-struck fan even traveled to BuzzCity looking for Sally. myGamma - Award-winning, world's fastest growing mobile social gaming platform in 2004. From the launch, it spread without much marketing to the entire world, and powered the world's earliest cross-carrier mobile media conversations outside SMS. In a few countries, it broke records to become dominant communication entertainment in 1 week - billions of messages were sent through myGamma in diverse languages and dialects all over the planet. In Africa, whole families from grandma to children, miles apart became connected. AWARDS 2015 Nov 26 – EMMA (Effective Mobile Marketing Awards) Most Effective Advertising Network – HIGHLY COMMENDED (2nd to Google) 2008 Aug 19 – Future Mobile Awards by Juniper Research Contribution to Mobile Web 2.0 – SILVER 2008 Feb 12 – 2008 Global Mobile Awards 2007 Nov 13 – 2007 GSMA Asia Mobile Awards Best Social Networking Service (both awarded to myGamma) Show less
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Singapore Management University
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Singapore
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Higher Education
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700 & Above Employee
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Adjunct Faculty (Education & Practice)
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2012 - 2015
Advisory role as Adjunct Faculty in Analytics for Business, Consumer and Social Insight Advisory role as Adjunct Faculty in Analytics for Business, Consumer and Social Insight
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Entrepreneur
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Apr 1998 - Jan 1999
Co-founded BuzzCity; Development and operation of the WebWatch service, delivering customized news aggregation, updates and personalized email alerts; design and deployment of hardware and server infrastructure; design and co-development of the software technology. WebWatch - one of the world's first customized news aggregator and alerts from 1999, launched over 2 years before Yahoo! News and Google News. Co-founded BuzzCity; Development and operation of the WebWatch service, delivering customized news aggregation, updates and personalized email alerts; design and deployment of hardware and server infrastructure; design and co-development of the software technology. WebWatch - one of the world's first customized news aggregator and alerts from 1999, launched over 2 years before Yahoo! News and Google News.
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Information Technology Institute
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Egypt
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Professional Training and Coaching
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700 & Above Employee
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Member of Technical Staff
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Sep 1996 - Mar 1998
Principal Designer and Project Manager in Integrated Criminal Justice System for statecourts.gov.sg; Project Leader in project with National Archives Singapore; Chief Instructor of Training Programme (TCTP) for IT architecture and solutions for ASEAN governments including Management of instructors scheduling, vendors and events. Principal Designer and Project Manager in Integrated Criminal Justice System for statecourts.gov.sg; Project Leader in project with National Archives Singapore; Chief Instructor of Training Programme (TCTP) for IT architecture and solutions for ASEAN governments including Management of instructors scheduling, vendors and events.
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Singapore Airlines
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Singapore
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Airlines and Aviation
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700 & Above Employee
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Systems Analyst
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May 1994 - Sep 1996
Design, Development and Deployment of Integrated Financial Systems, Cashiering and Treasury Systems; Design and development of new Pilot Training System for Flight Ops; Network, Operating Systems, Database and Systems Administration Design, Development and Deployment of Integrated Financial Systems, Cashiering and Treasury Systems; Design and development of new Pilot Training System for Flight Ops; Network, Operating Systems, Database and Systems Administration
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Lecturer
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Jul 1992 - Dec 1993
Lecturer of NCC Diploma (Computer Programming); taught Programming and Systems Analysis & Design; Co-developed course materials and module delivery; also delivered courses for Microsoft Windows and Microsoft Office Suite (Word, Excel, Powerpoint, Access). Lecturer of NCC Diploma (Computer Programming); taught Programming and Systems Analysis & Design; Co-developed course materials and module delivery; also delivered courses for Microsoft Windows and Microsoft Office Suite (Word, Excel, Powerpoint, Access).
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Community
