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Andy Lau has extensive experience in the banking sector, currently serving in the Corporate Banking Group at BIBD Bank Islam Brunei Darussalam since 2017. Prior to this, Andy was with HSBC for over a decade, holding notable positions such as Country Head of Global Payments and Cash Management, where responsibilities included managing product development, sales processes, and enhancing client services. Additionally, Andy served as Strategy, Channels and Propositions Manager, focusing on formulating business strategies and improving financial performance within Commercial Banking. Andy holds a Bachelor's degree in Computer Engineering from UNSW, earned between 1996 and 1999.