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Cambodian. Born November 1963. Dr. So Phonnary holds a Doctorate of Business Administration and has worked with ACLEDA since August 18, 1993. As Senior Executive Vice President & Group Chief Operations Officer, she is a member of the Bank's Executive Committee and is responsible for leading a group of operations which consists of six heads of divisions and one department including Operations Division, Marketing Division, Product Development Division, Credit Sale Management Division, Financial Services Division, Strategic Planning Division, and Trade Finance Department. She is responsible for strategic planning and day-to-day business of the Bank, development and research for new bank products/services, and products/services sales growth planning and implementation. She is responsible for leading, monitoring, controlling and evaluating the Bank's daily business operations.

Dr. Phonnary is Chairwoman of the Portfolio Management Committee. She is a member of management's Assets & Liabilities Committee, Interest & Price Setting Committee, and Management Credit Committee.

She is directly accountable to the President and Group Managing Director.

She holds a Doctorate of Business Administration and is also a Graduate of the Australian Institute of Company Directors (GAICD).