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CURRICULUM VITAE
Personal Particulars
Name : AU Kwok Keung, Edmond (區國強)
Telephone No. : +852 9378 7600
E-Mail : edmondkkau@yahoo.com.hk
Gender : Male
Place of Birth : Hong Kong
Nationality : China, Hong Kong SAR
Educational & Academic Achievement
1996 - 2000 : Master of Practising Accounting,
Monash University, Australia
1984 – 1989 : Diploma of Business Administration,
Hong Kong Shue Yan University
Professional Qualifications
2011 : Fellow, Chartered Financial Practitioner (FChFP),
Asia Pacific Financial Services Association (APFinSA)
2010 - 2011 : (1) HKSI Practising Certificate (Corporate Finance),
(2) HKSI Practising Certificate (Derivatives),
(3) HKSI Practising Certificate (Asset Management),
(4) HKSI Practising Certificate (Securities),
Hong Kong Securities and Investment Institute (HKSI) (Formerly
known as “Hong Kong Securities Institute”)
1999 - 2010 : (1) Insurance Intermediaries Qualifying Examination - Investment
Linked Long Term Insurance Examination (IIQE - Paper V),
(2) Mandatory Provident Fund Scheme Examination (MPFE),
(3) Insurance Intermediaries Qualifying Examination - Long Term
Insurance Examination (IIQE - Paper III),
(4) Insurance Intermediaries Qualifying Examination - Principles and
Practice of Insurance Examination (IIQE – Paper I),
(5) Insurance Intermediaries Qualifying Examination - General
Insurance Examination (IIQE - Paper II),
Vocational Training Council (VTC)
2010 : Certified Six Sigma Green Belt (CSSGB),

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International Six Sigma Council (ISSC)
2003 - 2005 : (1) Certified Insurance Professional (CIP),
(2) Senior Associate (Snr Assoc),
The Australian and New Zealand Institute of Insurance and Finance
(ANZIIF)
2002 : Certified Management Accountant (CMA),
The Institute of Certified Management Accountant (ICMA)
2000 : Associate Member (ASA),
Certified Practicing Accountant of Australia (CPA Australia)
Brief Summary of Working Experience
1) Solid working experience in overseeing the business operations and sales activities of
registered insurance broker in licensed bank. Formulate business strategy and
development plan to achieve and to exceed designated business targets, as well as
meeting legal and compliance requirements.
2) Appointed as the Compliance Officer and Money Laundering Reporting Officer by the
licensed bank (i.e. holding company of insurance broker) for complying with the
Guideline on Anti-Money Laundering and Counter-Terrorist Financing.
3) Liaising with various product providers i.e. insurance companies and financial institutions
for compensating terms and business cooperation matters.
4) Working experience in developing alternative channels to distribute life and general
insurance products to corporate clients / high net worth clients via SME, Corporate,
Wholesales and Private Banking network in licensed bank.
5) Experience in providing quality insurance consultancy services for the bank and its
customers by anticipating their needs and offering quality after sales support.
6) Advising and arranging niche general and life insurance products to corporate clients not
only general business risks protection but also financial professional insurance (i.e. IPO,
Banker Bond, D&O, Employee Practice & PI), Structured & Trade Credit Insurance,
Product Liability, Employees’ Benefits, Scheme Program, Reputation Protection and Key
Person Insurance (i.e. universal life policy - merging with premium financing scheme,
guaranteed issued endowment policy, term life policy and HNW global medical plan etc.)
7) Solid working experience of overall administration in authorized general and life insurer
(i.e. corporate governance, underwriting policy development, reinsurance arrangement,
compliance with respective rules and regulations, claims management, policy processing
& administration, agency training and branch operation). Building a strong business
network with major insurance intermediaries, insurers and reinsurers within the territory.
8) Practical experience in dealing with the surveillance authorities and insurance industry
self-regulatory bodies.
9) As a director of both authorized general and life insurers, I was the member of various

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management committees as delegated by the Board (i.e. Reinsurance, Underwriting,
Claims Settlement, Risk Management & Investment Committee) for the commitment of
corporate governance.
10) Experience in life insurance agency team building and operating a franchised insurance
agent company.
11) Internal audit and compliance working experience in banking and financial institutes.
12) Professional audit, accounting and taxation experience.
Employment History & Major Responsibilities
Aug 2015 – Nov 2015 : Head of Insurance Brokerage
Biz B Finance Group Corporation Ltd.
cum Chief Executive
Luximan Insurance Consultants Ltd. (Registered Insurance Broker)
(A subsidiary of Biz B Finance Group Corporation Limited)
Major Responsibilities
(1) To establish a registered insurance broker.
(2) Formulate and implement a business plan and distribution
strategy;
(3) Identify new business opportunities and develop strategic
partnerships.
(4) Develop business channels / key partnership with IFA’s and
brokers.
(5) Assist with channel marketing and new product launch
strategies for the local market.
Mar 2012 – Aug 2015 : General Manager (Chief Executive)
CITIC Insurance Brokers Ltd. (Registered Insurance Broker)
(A subsidiary of China CITIC Bank International Ltd.)
Major Responsibilities
(1) Oversee the business operations and sales activities of the
company. Formulate business strategy and development plan
to achieve designated business targets, as well as meeting
legal & compliance requirements.
(2) Set and implement the business strategic plans, and monitor
the progress & results.
(3) Lead the insurance sales team to work with the RMs of
various business units of China CITIC Bank International to

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develop new business in both general and life insurance, as
well as keeping existing business in order to achieve the
designated business target.
(4) Ensure departmental operations are in full compliance with
the policies, procedures, regulations and standards of the
Bank and regulatory bodies.
(5) Build, develop, motivate, train, coach and retain professional
sales and operations teams.
(6) Liaise with product providers for compensation terms and
business cooperation matters.
(7) Understand the relevance and meaning of all relevant bank
policies, guidelines and procedures, including but not limited
to those related to AML, data protection, code of conduct,
internal control, risk management, etc. and fully comply with
them.
(8) Report timely any unusual transaction / activity suspicious of
money laundering to Compliance Department; and
malpractice / irregularity identified to supervisor.
(9) Implement AML Policy and the relevant procedures and
guideline.
(10) Supervise the conduct of AML control activities to ensure full
compliance.
(11) Ensure adequate oversight is exercised over the conduct of
AML control activities through review of MIS or other
appropriate means.
(12) Ensure that adequate training is provided to the staff within
his / her departmental so that they can perform their functions
at a professional level, in terms of practices, knowledge,
compliance standard, etc.
Apr 2011 – Feb 2012 : Senior Regional Manager
The Prudential Assurance Co. Ltd. (Authorized Long Term Insurer)
Major Responsibilities
As an individual agent of insurance companies to provide a
professional financial planning services, life and general insurance
to clients.
Feb 2011 – Mar 2011 : Technical Representative,
Thornton Global Wealth Management Ltd. (Registered Insurance Broker)

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Jan 2011 – Feb 2011 : Technical Representative,
Target Global Wealth Management Ltd. (Registered Insurance Broker)
Jun 2010 - Nov 2010 : Owner and Responsible Officer,
Integrity Financial Solutions Ltd. (Franchised Insurance Agency)
Network Company at “Integrity Financial Advice Network Co. Ltd.”
Major Responsibilities
(1) As a company agent to provide a professional financial
planning services, life and general insurance to clients.
(2) Recruit new insurance agents to join the network agency
company and manage the agency company performance.
Dec 1999 to Mar 2010 : Director,
The Pacific Life Assurance Co., Ltd. (Authorized Long Term Insurer)
“The Pacific Life Assurance Co., Ltd.” – subsidiary of “The
Pacific Insurance Co., Ltd. (authorized insurer to carry on long
term insurance business in or from Hong Kong)
Major Responsibilities
(1) Member of various management committees as delegated by
the Board of Directors i.e. Reinsurance, Underwriting,
Claims Settlement, Risk Management & Investment
Committee.
(2) Attend the Board Meeting.
May 1999 to Mar 2010 : Director,
The Pacific Insurance Co., Ltd. (Authorized General Insurer)
“The Pacific Insurance Co., Ltd. – Incorporated in 1960” (“PIC”)
is an authorized insurer to carry on general insurance business in
or from Hong Kong. PIC was the major motor underwriter in
Hong Kong.
Major Responsibilities
(1) Member of various management committees as delegated by
the Board of Directors i.e. Reinsurance, Underwriting,
Claims Settlement, Risk Management & Investment
Committee.
(2) Attend the Board Meeting.

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Dec 2000 to Mar 2010 : Trustee,
The Pacific Group Retirement Fund (MPF Exempted ORSO Scheme)
“The Pacific Group Retirement Fund” is the retirement fund of
The Pacific Group of Companies and is registered under the
“Occupational Retirement Schemes Ordinance”
Major Responsibilities
(1) Member of the Investment Committee of “The Pacific Group
Retirement Fund”.
(2) Attend the Trustee Meeting.
Apr 2000 to Mar 2010 : General Manager,
The Pacific Insurance Co., Ltd.
Major Responsibilities
(1) Authorized Representative of “The Pacific Insurance Co.,
Ltd.” for the following insurance industry organizations:
- The Hong Kong Federation of Insurers
- The Insurance Claims Complaints Bureau
- The Motor Insurers’ Bureau of Hong Kong
- Employees’ Compensation Insurer Insolvency Bureau
- Employees’ Compensation Insurance Residual Scheme
Bureau
- Chinese Insurance Association of Hong Kong Limited
(2) Authorized cheque signer of the Company and its
subsidiaries.
(3) Member of the Investment Operation Committee of the
Company.
(4) Overall administration of general insurance operation i.e.
underwriting, reinsurance, claims management, policy
processing, customer services, agent training & registration,
IT solutions, branches operation and hire purchase loans.
[(5) – (20) as below]
(5) Formulate the underwriting policy and set out criteria for
assessing various types of insurance risks.
(6) Determine the premium policy of different insurance covers.
(7) Review the underwriting and premium policies of the
Company regularly with due regard to relevant factors such
as its business portfolio and the market development.

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(8) Develop new general insurance products for coping with
market needs.
(9) Set up a new branch office of the company.
(10) Monitor the reinsurance arrangements from time to time and
makes appropriate adjustments to those arrangements in light
of market development.
(11) Assesse the effectiveness of the reinsurance program for
future reference and checking such as annual renewal of
various reinsurance treaties.
(12) Oversee the claims position of the company and ensure that
adequate claims reserves are made.
(13) Approval of claims payment within the range from HK$1.5
million to HK3.5 million.
(14) Oversee the implementation of general insurance business
promotion program and marketing activities to meet the
annual premium target.
(15) Implement a client servicing policy and procedures to
enhance transparency of the insurance products and to better
service clients and to resolve disputes between the clients and
the company in an efficient and courteous manner.
(16) Launching of campaign for recruiting of insurance
intermediaries.
(17) Oversee the implementation of general insurance agents
training program.
(18) Oversee the operation of vehicle financing business.
(19) Manage workflow improvement project of general insurance
operation i.e. bar code batching and imaging system.
(20) Develop a “Business Continuity Plan” in order to minimize
the impact of any unplanned disruption and to shorten the
elapsed time to effect a recovery.
Feb 2000 – Mar 2000 : Acting General Manager,
The Pacific Insurance Co., Ltd.
Major Responsibilities
Perform the duties and office routine as mentioned in the capacity of
General Manager of above.
Jan 1997 – Jan 2000 : Deputy General Manager,
The Pacific Insurance Co., Ltd.

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Major Responsibilities
Assist the General Manager for overall administration of general
insurance operation.
Aug 1996 – Dec 1996 : Acting Deputy General Manager cum
Executive Assistant to Chairman,
The Pacific Insurance Co., Ltd.
Major Responsibilities
(1) Perform the duties and office routine as assigned by the
General Manager.
(2) Scan all the incoming correspondences addressed to
Chairman & Chief Executive Officer and put forth
recommendations (if any) before passing the same to him for
information and perusal.
Aug 1994 – Aug 1996 : Internal Auditor
The Pacific Group &
The Pacific Insurance Co., Ltd.
Major Responsibilities
(1) Assist the Internal Audit Committee in discharging its
responsibilities to monitor the supervisory, accounting,
reporting and financial control practices, as well as its
surveillance responsibility for the internal audit functions and
internal control matters within the Pacific Group and its
subsidiaries.
(2) Develop and implement the Annual Audit Plan for the Pacific
Group’s business units by identifying areas of major concerns
to be audited.
(3) Ensure that internal audit coverage of the Pacific Group’s
activities is satisfactory and provides an adequate level of
assurance to the Internal Audit Committee
(4) Ensure the development of a productive and on-going audit
function by effectively selecting, training, developing and
motivating a team of internal audit staff.
(5) Appraises operational and financial policies and procedures
for efficiency, effectiveness and reasonableness. Help to
protect the Pacific Group’s assets and integrity of financial
data by overseeing all sensitive audits and modifying the

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Annual Audit Plan to respond promptly to new and
unexpected problem areas.
(6) Ensure an effective system is in place to monitor the status of
corrective actions for all completed audits regularly and to
report to the Internal Audit Committee the status of audit
recommendations periodically that have not been
satisfactorily implemented.
(7) Ensure the audit standards, procedures and techniques are
satisfactory and keep pace with the development of the
Pacific Group’s business activities.
(8) Develop and maintain a working liaison with the external
auditors to ensure maximum cost effectiveness consistent
with fully adequate audit coverage.
(9) Assist in cases of fraud / embezzlement and conduct
appropriate & prompt investigations.
(10) Establish and maintain constructive relationships with
auditees so as to effect an environment of co-operation and
open communication.
(11) Review and verify the integrity of all audit programs and
working papers for adherence to establish audit standards and
soundness of approach.
(12) Supervise the preparation of internal audit reports, and
evaluate the practicality of audit recommendations on
policies and procedures submitted by internal audit staff.
(13) Identify any possibilities for audit automation and assure
quality conformance within Internal Audit Department.
(14) Update the Internal Audit Administration Manual as and
when required.
(15) Research for any new legislation, industry rules and
regulation which will have impact to The Pacific Group.
(16) Perform ad hoc assignments as delegated by the Internal
Audit Committee and management of Pacific Group.
Special assignments performed within the period:
(a) Suggest the preliminary silhouette of Credit
Committee, layer of approval of Credit Committee and
the lending policy for the newly established mortgage
loan business.
(b) Analyze the pro and con of Group’s retirement fund
being handled by out-source fund managers and study
the impact of the Occupational Retirement Schemes

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Ordinance for The Pacific Group.
(c) Establish the internal guidelines and checklist for
Underwriting Department and Agents Registration
department in order to comply with the Insurance
Companies (Amendment) (No.3) Ordinance.
May 1994 – Aug 1994 : Audit Officer,
Delta Asia Financial Group & Banco Delta Asia, Macau
Major Responsibilities
Perform internal audit functions in both Hong Kong Office (i.e.
Securities Broking & Deposit Taking Company) and in Macau
Office (i.e. Commercial & Retail Banking Operation).
Jan 1990 – Apr 1994 : Supervisor
Internal Audit and Compliance Department
Sun Hung Kai Securities Ltd.
Major Responsibilities
(1) Select audit units in relevant to Sun Hung Kai Group’s
business activities which are either located in local office or
overseas branches and prepares an audit memorandum
incorporated with specific objectives and scope of work.
(2) Identify significant internal controls in the operating
procedures and critical points of the applicable ordinance,
rule and regulation.
(3) Develop internal audit and compliance test program.
(4) Review audit and compliance test working papers done by
audit assistant.
(5) Train and supervise a term of internal audit staff and manage
team performance.
(6) Prepare internal audit and compliance report base on test
results. (Major assignments as below)
- Forex Dealing and Settlement
- Physical Gold Trading
- Local London Gold Dealing and Settlement
- Commodities and Index Futures Dealing and Settlement
- Hong Kong Share Order and Execution
- Hong Kong Share Clients and Brokers Settlement
- Share Registrar and Nominee Services Operation

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- Fund Management and Unit Trust Managers Operation
- Operation of Share Margin Financing System
- Consolidated and Group Companies Accounting System
- Control in Cheque Payment System
- Credit Appraisal and Control in Share and Forex Margin
Financing
- Commission Payout to Account Executives
- Operation of Overseas Branch i.e. Singapore Office
Aug 1989 – Dec 1989 : Supervisor
Compliance Department,
Sun Hung Kai Securities Ltd.
Major Responsibilities
(1) Update the department’s manual with the continuous
development in statutory rule or rule of regulatory bodies in
relevant to the business activities of Sun Hung Kai group.
(2) Develop compliance test program on significant statutory /
regulatory compliance requirement.
(3) Prepare the compliance report based on the test result, finding
and user’s comments to the Audit and Compliance
Committee.
Jan 1988 – Apr 1989 Assistant Supervisor,
Ting Ho Kwan & Chan, CPA
(formerly known as Au Yeung Yik Fung & Co., CPA)
Jan 1987 – Dec 1987 Audit Senior,
Au Yeung Yik Fung & Co., CPA
Sep 1983 – Dec 1986 Audit Assistant,
Au Yeung Yik Fung & Co., CPA
Other Personal Strengths
- Proficiency in oral and written of English & Chinese language (& general Mandarin)
- Pleasant personality, good analytical mind, initiative and could work under pressure to
meet target.
- Knowledge of PC operation and applicable software