Our Experts - Strength in unity and diversity
Expertise You Can Rely On
Our team comprises seasoned professionals with diverse backgrounds, bringing a wealth of industry-specific development expertise to the table. We pride ourselves on staying ahead of the curve, constantly updating our knowledge to align with the latest industry and compliance standards.
We are committed to ensure that we deliver cutting-edge guidance tailored to meet your specific needs.
Muzzil Khairat
Lead Consultant - Ethics & Compliance
Muzzil is a seasoned, bi-lingual legal and compliance professional with 15+ years of global experience, holds key roles in state-owned enterprises and multinational corporations. His expertise spans high-risk sectors like oil and gas, engineering, finance, insurance, and manufacturing, showcasing his adaptability.
Certified in Governance, Risk, and Compliance, Muzzil excels in diverse legal areas, including anti-bribery & corruption, sanctions, privacy, and competition law. He designs compliance programs, manages risks, conducts investigations, and more. Notably, Muzzil co-founded Petronas’ global compliance program, earning Transparency International recognition.
He’s a sought-after speaker at global legal and compliance events, enhancing industry understanding. Muzzil’s education includes an undergraduate degree from IIUM and postgraduate studies at the University of Pennsylvania Law School and Wharton School. With his robust background and cross-sector experience, he’s well-equipped for complex compliance and risk management in diverse sectors.
Muzzil's legal training completes JFourth Solutions product offering to include:
Contract Review Services: Perform expert analysis and review of contracts to ensure compliance with relevant laws, regulations, and best practices.
Tender Proposal Review: Execute specialized review of tender proposals to ensure they meet all legal, ethical, and compliance requirements, reducing risk and increasing chances of success.
Samuel Pang
Lead Consultant - Crypto & Blockchain
Samuel has over 20 years of business experience across financial markets in banking, capital markets (FX, derivatives, futures, commodities), SWIFT payment, blockchain. His expertise lies in his practical understanding of the local landscape, and translating that into a viable business approach.
Since 2006 he has worked with fintech startups as the first person on the ground in Asia, aiding in the go to market strategy, growing the business and advising on local and regional regulatory landscape. From 2019, he has been active in the blockchain space. Serving as a sales director in a crypto liquidity firm, he was subsequently hired as a senior director by Ledger, a major French crypto custody infrastructure provider, and then at Fortris, a Spanish digital assets treasury management provider, where he worked closely alongside the company founders.
Prior to this, Samuel held roles at United Overseas Bank, Saxo Bank APAC, CMC Markets, ClearTrade Exchange (acquired by EEX), where he was recognized for his sales achievements. As the commercial director at his family business, he helped expand it into Myanmar. His first career was in the Singapore Armed Forces, where he spent 13 years following a scholarship.
Samuel is currently a consulting country manager for a French commodity trading and risk management solutions company, and also engaged as a mentor at IIT Bombay and Tenity, a Swiss incubator. He was recognized with the FinTech Leadership Award in Dubai 2022.
Valerie Chow
Lead Consultant - Branding & Marketing
Valerie Chow is a seasoned marketing and strategic business leader with a 15-year track record of delivering remarkable results in diverse industries. As a versatile CMO, she has consistently achieved over 20% sales, profitability, and brand growth across seven Southeast Asian and Pacific countries. Her expertise covers digital and offline marketing, offering a well-rounded skill set.
Valerie's strengths include P&L management, strategic marketing, digital marketing, CRM, brand management, content marketing, and communications. She excels in sales, partnerships, team management, product marketing, analysis, community building, and PR. Throughout her career, she has played pivotal roles at organizations like StoneX Financial, AXA Insurance, and Etiqa Insurance, successfully managing budgets, launching campaigns, and optimizing marketing efforts with a focus on measurable results.
She holds an MBA in International Business from Hitotsubashi University, Japan, and a BA in Economics and Statistics from the National University of Singapore. Valerie's commitment to continuous learning, particularly in emerging tech fields like blockchain, Fintech, and AI, sets her apart as a forward-thinking marketer.
In summary, Valerie Chow is an accomplished marketing and business leader with a history of success in various industries. Her skills, expertise, and tangible achievements make her an invaluable CMO and marketing consultant. Her ability to design and execute integrated marketing campaigns, manage budgets effectively, and consistently deliver exceptional results positions her as a valuable asset for businesses seeking marketing enhancement and substantial growth.
