Driving Success
Welcome to my professional portfolio. I am a transformational leader in financial services, focused on business transformation through being a visionary, using partnerships that fuel growth and helping organizations build resilience to achieve sustainability.
Hi, I’m Ro-Yen Chin
I bring 17+ years of executive and senior management experience across financial services, operations, and strategy. My career is defined by leading large-scale business and digital transformations, driving revenue growth, and building organizational agility in competitive, regulated industries.
With expertise in strategic planning, product innovation, client engagement, and cross-border expansion, I create long-term value for both organizations and the communities they serve.
At the core of my leadership is the belief that people drive transformation. I build environments where individuals feel empowered to unlock their potential, fueling personal and organizational success. By leading with empathy and clarity, I connect people with strategy, foster collaboration, and deliver innovation with measurable results.
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MBA - Marketing (Distinction); Mona School of Business (UWI) - 2011
BA - Visual Arts, Minor Economics; Spelman College - 2006
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American Management Association Certifications, 2023
Dale Carnegie - Step to Leadership for Senior Managers, 2022
Mastercard Academy -Operations & Efficient Chargeback Processing, 2019
Harvard Business School Online - Leading with Finance, 2019
ACAMS Certified - Anti-Money Laundering Specialist, 2018 - 2024
Mona School of Business (UWI) - Principles of Project Management - PMI, 2015
Jamaica Institute of Mgmt - Securities Course Licensed Securities Dealer, 2008
Career Highlights
Revenue Growth & Market Expansion
Directed FX trading and liquidity strategies contributing US$400M+ in trades in 2023, expanding agent network by 30% and secured international relationships to enhance liquidity and cross-boarder capabilities.
Product Innovation & Financial Inclusion
Directed Jamaica’s first Prepaid Mastercard launch, delivering 15% customer acquisition growth in year one, as well as product owner to multiple digital products improving financial inclusion and customer experience.
Operational Excellence & Compliance
Delivered sustained profitability by optimizing operations and strengthening compliance frameworks across the company.
Implemented AML/CFT frameworks during industry de-risking periods, liaised with regulators across the Caribbean region, and contributed to group-wide Anti-Fraud & Data Protection Committee.
Strategic & Change Leadership
Appointed Executive Director (2019-2022) to AFSL Board advising on diversification, growth and transformation strategies.
Successfully led AFSL through its acquisition by Sagicor Group Jamaica, retaining 80% of staff and safeguarding market share during integration.
What I Value
Integrity, resilience, and innovation. I believe financial services should not only be profitable but also accessible, secure, and sustainable.
What I Do Best
Payments & Digital Product Advisory
Prepaid cards, remittance-to-card, and digital bill payment platforms that drive inclusion and adoption.
Compliance & Risk Consulting
Safeguarding institutions through de-risking, AML/CFT compliance, and regulator engagement.
Strategic Change & Transformation
Executive and board-level leadership guiding alignment, partnerships, and cultural integration.
“I believe leadership is about turning a bold vision into an achievable reality.”
— Ro-Yen Chin
How I Add Value
I help organizations transform by aligning strategy, innovation, and execution. My strengths span across strategic planning, digital transformation, risk and compliance, operations, and partnerships . Enabling both business growth and people development.
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Former Executive Director (2019–2022) with board-level oversight of governance, expansion, and cultural integration.
Guided an acquisition and integration process that retained 80% of staff and 85% of agents.
Mentor and coach — building resilient, high-performance teams that thrive through change.
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Launched multiple first-to-market products (prepaid cards, bill pay, remittance-to-card, agency banking).
Full product lifecycle expertise: vision, business case, regulatory approval, API integration, go-to-market.
Skilled at ecosystem design — aligning payments, cards, and remittances to create seamless customer experiences.
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Led multi-department operations including remittance, FX, bill pay, HR, IT, and security.
Deep expertise in cash management, settlements, logistics, and treasury.
Drove operational efficiency with SOPs, compliance-focused processes, and technology adoption.
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Designed and implemented AML/CFT frameworks during global de-risking challenges.
Experienced across multi-jurisdictional regulatory environments (Jamaica, Puerto Rico, Cayman Islands).
Former Anti-Fraud Committee member of a regional financial group.
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Built trusted relationships with MoneyGram, fintechs, utilities, banks, and regulators.
Negotiated key partnerships, biller contracts, and agent agreements to expand market share.
Expanded agent and retail networks island-wide, driving stronger customer reach and engagement.
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Directed product launches, rebrands, and campaigns in collaboration with agencies.
Media spokesperson and conference presenter, trusted to represent brands with authority.
Align marketing with corporate strategy to increase adoption, trust, and revenue.
