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Our Team – Stamford Advisory
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Clarence Koo


Ngai Kin Ng
Managing Director


Justin Tan

Managing Director


Sean Choo
Managing Director


Joseph Huang
Executive Director


Roger Loh


Joshua Greene
Senior Advisor


Ambrose Law
Senior Advisor


Clarence Koo

Clarence Koo is a Managing Director and Chairman at Stamford Advisory, based in Singapore. Prior to founding Stamford Advisory, Clarence was a Senior Partner at Oliver Wyman Financial Services, a leading global management consulting firm. In his over twenty-five years of consulting, Clarence has conducted strategy studies across the breadth of the financial services industry, including life insurance, property & casualty insurance, reinsurance, capital markets, corporate finance, corporate banking, retail banking, securities brokerage, asset management, and mutual funds, and mortgage banking. In 1996, Clarence moved to Singapore to found Oliver Wyman’s Asia-Pacific practice.  His client base includes local institutions headquartered in Singapore, Malaysia, Thailand, Hong Kong, Korea, Taiwan and Australia, as well as international banks with large pan-Asian operations.  Arriving shortly before the start of the Asian Financial Crisis, much of Clarence’s work in Asia has focused upon improving banks’ risk management framework, structure, practices and tools, and linking risk management into banks strategic planning, performance management, and capital management.

Clarence’s past work includes:

  • Conducted a strategic due diligence of an Asian bank across its key businesses of consumer banking, wholesale banking and capital markets, and developed a growth strategy that would enable achievement of the ROI required for an attractive return
  • Developed the capital markets strategy for a leading Asian bank, focusing both on new product capabilities as well as the linkages between Treasury and capital markets products and solutions-oriented corporate lending and advisory business
  • Re-engineered the entire retail and commercial credit processes of an Asian bank. The focus was on streamlining operations, while at the same time maintaining or improving risk controls as well as improving decision-making turnaround. Each key change was subjected to explicit cost/benefit analyses to ensure comfort that it would be value-adding
  • Developed the corporate level strategy of a large life insurer, defining the target business unit mix, Group acquisition priorities, and key performance improvement initiatives for each business
  • Designed and implemented a Group-wide risk capital framework for a large bancassurer, enabling consistent comparison of the capital needs and financial performance across the Group’s diverse mix of businesses and risks
  • Designed and helped implement the bank-wide Risk Management Transformation of a leading Asian bank, covering the breadth of organization, policies, processes, people development, risk metrics and portfolio and other risk management tools.

Joshua Greene
Senior Advisor

Joshua Greene is a Senior Advisor at Stamford Advisory, based in Bangkok. He has spent nearly two decades working in all major areas of finance and banking, in SE Asia as well as Europe and the United States. Prior to joining Stamford, Joshua was a senior partner and portfolio manager at COMAC Capital in London, a global macro hedge fund with peak AUM of $6.5 billion. Previously, he was an investment manager at Soros Fund Management and Loews Corporation in NY. Joshua began his career at Oliver Wyman, where he was a senior manager with a focus on risk advisory work.

Joshua’s advisory work for clients and recent management areas of responsibility include

• Credit risk management: policies, process, and quantitative tools
• Market risk modeling, scenario analysis and stress testing
• Counterparty credit risk assessment and management
• Macroeconomic analysis, including central bank monetary policy
• Macro trading: instruments, market structure
• Structure and management of trading operations
• Alternative asset management across almost all trading/investment strategies

Joshua has AM and AB degrees in mathematics from Harvard University, where he graduated summa cum laude.


Ambrose Law
Senior Advisor

Ambrose was Executive Director and Global Chief Finance Officer for the Bank of Singapore until he retired in September 2011.

Prior to joining Bank of Singapore, Ambrose served as the Chief Finance Officer, Global Wealth Management, Merrill Lynch, where he covered Merrill’s international private banking businesses in the Asia Pacific, European and Middle Eastern regions, with well over US$100 billion in assets under management, and was actively involved in the strategic development of Merrill’s global wealth markets in India, China, Japan, Middle East, Europe and Australia. A chartered accountant by profession with over 30 years of experience in the financial and banking industry, Ambrose has also previously held various senior positions in global accounting firms.

Ngai Kin Ng
Managing Director

Ngai Kin is co-founder and Managing Director of Stamford Advisory, and has two decades of experience in Finance, Markets and Risk Management as a researcher, practitioner and consultant. He has worked in risk management and analytics at DBS Bank and American Express, and was also a Partner and Director at Oliver Wyman | Financial Services, based in their Singapore office, focusing on Finance & Risk Management.

Some of the issues which he worked on include Basel II implementation programs, market risk management, credit risk measurement, country risk, counterparty risk, regulatory framework design, portfolio management, economic capital and capital allocation, risk appetite and limits, stress testing, and risk adjusted performance measurement, for major banking and financial institutions in Singapore, Malaysia, Taiwan, China, Hong Kong, South Korea, and Australia.

Ngai Kin is also a frequent speaker at various financial industry conferences and has led many industry-wide and internal bank training programs in various aspects of finance and risk management.

He is a Chartered Financial Analyst (CFA) and a Financial Risk Management (FRM), and a graduate of the University of Cambridge.


Justin Tan
Managing Director

Justin Tan is co-founder and Managing Director at Stamford Advisory, based in Singapore. Prior to founding Stamford Advisory, Justin was a Partner at Oliver Wyman Financial Services, a leading global management consulting firm, specialising in Retail Banking and Wealth Management. Previously, Justin was also Head of Strategy and Business Development for Merrill Lynch Wealth Management in the Pacific Rim. In his role, Justin worked closely with management to drive key growth initiatives, including strategic collaboration with the Global Markets and Investment Banking businesses.

Justin’s experience as both practitioner and consultant ranges from formulating business strategies to business model optimisation and leveraging data-driven analytics to enhance decision-making, such as the following:

  • Financial holding group strategy and business planning
  • Wealth management strategy and business model development
  • Integrating risk and marketing analytics to optimise business strategy, customer segmentation, proposition design and frontline delivery
  • Information-based strategy for consumer finance and credit card
  • Branch network performance management
  • Private equity and joint venture due diligence and business planning

Justin graduated with Distinction from Stanford University, with both Master and Bachelor of Science degrees. He is also a Chartered Financial Analyst (CFA) and Financial Risk Manager (FRM).

Sean Choo
Managing Director

Sean Choo is a Managing Director at Stamford Advisory, focusing on South East Asian markets. Sean has over 15 years of consulting and industry experience in Financial Services across Asia, working with global, regional as well as local leading banks in SEA, HK, Taiwan, China, Korea and Australia. Prior to Stamford Advisory, he was a Principal at A.T. Kearney and Oliver Wyman, and before that was responsible for Asia ex-Japan strategy for a global banking group where his role included strategy, business development and due diligence of inorganic opportunities.

Sean’s expertise spans across strategy, customer experience, proposition development, digital, analytics, sales force effectiveness and end-to-end process redesign, across retail and wholesale banking. His past work includes:

  • Corporate level and business unit level growth and turnaround strategies for various regional and local banks
  • Business and target operating model development for wholesale, transaction banking, SME, retail and wealth management businesses
  • Customer centricity transformation of banking groups including areas of organisation design, customer segmentation, proposition design, customer experience and infrastructure enablers
  • Frontline branch and sales performance management including measurement metric definition, target setting and remuneration design
  • Risk and marketing analytics model, processes and organisational development to optimise business strategy, customer segmentation, proposition design and frontline delivery
  • End-to-end process redesign of key product lines and customer segments
  • Due diligence and business planning for M&A, JVs and alliances

Sean has a B.Comm from The University of Melbourne and an MBA from London Business School. Sean is also a CFA charter member and member of CPA Australia


Joseph Huang
Executive Director

Joseph Huang is Executive Director at Stamford Advisory and Head of Taiwan Office. Prior to joining Stamford Advisory, he has worked as a Project Manager at Oliver Wyman Financial Services, based in their Singapore and Hong Kong office, focusing on Finance & Risk Management.

Joseph’s experience in the last 10 years as a consultant ranges from overall risk management framework review and design to Basel II risk model development and application to performance measurement and management, such as the following:

  • Credit risk measurement (e.g. PD/LGD/EAD model development, stress testing)
  • Risk model applications (e.g. risk appetite and limit setting, credit process design)
  • Overall risk management framework (e.g. gap analysis, blueprint and implementation)
  • Counterparty credit risk measurement and management
  • Branch network performance management

Joseph Huang is also a frequent trainer and speaker at various financial industry conferences and internal bank training programs. Amongst the clients where he has conducted training workshops are:

In English

  • United Overseas Bank
  • Bank of China (Hong Kong)
  • BB&T

In Mandarin

  • Industrial and Commercial Bank of China
  • China Construction Bank
  • China Development Bank
  • The Bankers Association of the Republic of China
  • Taiwan Academy of Banking and Finance (TABF)
  • Chinatrust Commercial Bank
  • Taipei Fubon Bank
  • E.Sun Commercial Bank
  • Bank Sinopac

Roger Loh

Roger Loh is Director of Strategy and Business Development at Stamford Advisory, based in Singapore. Prior to joining Stamford Advisory, Roger was a Vice President in Group Strategy and Planning (AfK) at Deutsche Bank, one of the world’s leading financial services providers, focusing on corporate Strategy and M&A as well as business development.

Roger has also worked in similar roles at various financial institutions globally including OCBC Bank in Singapore, Merrill Lynch in Hong Kong as well as J.P. Morgan Chase and UBS Investment Bank in New York. In his role, Roger has advised management on all aspects of corporate M&A (transaction structuring, due diligence) as well as supported senior executives in formulating business plans across different business divisions including global markets (Equities and FICC), transaction banking, asset management and private wealth management.

Roger has extensive transaction experiences across the entire banking and finance spectrum. Selected transactions in the Asia Pacific region include:

  • USD $1.5 billion acquisition of ING Asia Private Bank by OCBC Bank
  • Establishment of an equities dealing and research joint venture in Thailand between Deutsche Bank and TISCO
  • Divestiture of a minority stake in a Singapore-based boutique asset manager
  • Restructuring of a mutual fund distribution platform joint venture in India

Roger graduated summa cum laude from Northwestern University, with a double major in Economics and Mathematical Methods in Social Sciences.