An acomplished industry thought leader specializing in innovation for Banking, Insurance and Capital Markets. Management of new innovative banking solutions from ideation through to commercialization. Previous experience in sales planning, forecasting, training and enablement across multiple geographies in Asia. Due to an early life as a games developer a long-term appreciation of useable, intuitive and engaging software was acquired. Specialties: Industry thought leadership, sales strategy, technical acumen, accomplished presenter, architecture, sales, invention, innovation process management, payments, consumer behaviour Regular presenter at: Asian Banker Summit Next Bank Asia Microsoft TechED Asian Banker Indonesia EFMA roundtables Vietnam Finance FST

Chief Innovation Officer @ At DBS, Cross will drive the bank’s innovation agenda across its key axes of growth, namely, Greater China, Southeast Asia and South Asia. Working with internal stakeholders and external collaborators, he will chart a next-phase innovation roadmap for DBS to enhance customer experience and better engage the bank’s customers in the digital landscape. DBS has been innovating the way it does banking, with the understanding that the way in which customers live, work and bank is changing dramatically. The drive to be at the forefront of this change was set in motion in 2010 by CEO Piyush Gupta, and the bank’s innovation efforts today are anchored around three big ideas: • An increased focus on digitisation to further enhance efficiency • Making the customer experience more interactive and intuitive • Analytics and the use of Big Data, both structured and unstructured More recently, DBS has rolled out a number of trailblazing initiatives. This year, the bank reached a major milestone in its innovation journey, moving into the R&D and ideation space via a partnership with A*STAR’s Institute of Infocomm Research in Singapore. The two have set up a joint lab driving innovation through research and experimentation. DBS has also announced an agreement with IBM to tap into Watson’s capabilities to harness Big Data so as to provide more precise, customised and quality actionable insights that meet its customers’ needs. With financial institutions seeing increasing threat and competition from non-traditional players, and digitisation making it possible for new players to encroach on banks’ traditional field of business, DBS recently announced that it will be investing SGD 200 million over the next three years to up the ante in digital banking. Apart from integrating banking into customers’ digital lifestyles, the initiative also aims to leverage technologies to reach large retail markets with a growing digitally savvy group of consumers. From April 2014 to Present (1 year 9 months) SingaporeVice President of MasterCard Labs - Asia, Middle East and Africa @ A senior business leader within MasterCard Labs leading the Asia, Middle East and Africa innovation initiative. Responsible for: MasterCard Labs internal and external stakeholder relationships and industry partnerships Management of new innovative payment solutions from ideation through to commercialization Establish new innovation processes within the MasterCard APMEA region Bringing fresh ideas and creative approaches to corporate and consumer problems From November 2012 to April 2014 (1 year 6 months) SingaporeFinancial Services Industry Director - Asia @ Responsible for Microsoft's industry position in Banking, Insurance and Capital Markets for the Asia region. My role delivers: Trusted advisor and innovation guidance for CXO level customers Education and support for in-country teams Sales strategy guidance for partners Wider industry thought leadership through events From January 2011 to November 2012 (1 year 11 months) Platform Innovation Lead @ Thought leader for Microsoft Banking, Insurance and Capital Markets future vision in Australia. From 2006 to January 2011 (5 years) Group Product Manager @ Responsible for product strategy, reseller portfolio, online and SEO strategy From January 2001 to January 2006 (5 years 1 month)

Churchill Comprehensive Neal Cross is skilled in: Sales, Architecture, Invention, Marketing Strategy, Leadership, Financial Services, Banking, Insurance, Business Analysis, Team Leadership, Account Management, Business Strategy, Sales Management, Training, Thought Leadership