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Nicolette Sum is an accomplished professional with extensive experience in business planning and governance, particularly within the banking sector. Currently serving as Assistant Vice President in the CBG COO Office at DBS Bank since May 2018, responsibilities include the development and implementation of sales incentive policies, strategic recognition programmes, and managing incentive-related communication and training. Previously, roles at OCBC Bank spanned from Manager in Car Financing to risk management, focusing on product strategy, process improvement, and service excellence initiatives. Early career experiences include internships in credit analysis and product management at UOB and OCBC Bank, respectively. Academic credentials include a Bachelor of Business Administration from the National University of Singapore and a student exchange programme at Korea University.