Featured Insights

A Financial Settlement and Payment Network

The whole payments ecosystem is undergoing a significant transformation with the rise of local and cross-border cashless payments underpinned by a tech-savvy population. For this reason, businesses and individuals will increasingly require a settlement network that makes cross-border remittances streamlined, neutral, low-cost, secure, and real-time.

With our assets anchored in Asia, EMQ operates a cross-border settlement network that seamlessly integrates ecosystem participants, providing a faster, cheaper and more transparent financial settlement solution, while adhering to complex regulations and compliance standards in different markets.

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Seamless cross-border remittance
Leveraging our scalable network infrastructure, proprietary technology, and a comprehensive network of strategic partners, we have built an effective top-up and last-mile solution in each corridor, offering our customers a seamless cross-border remittance experience with immediate access to thousands of distribution points across both developed and high-growth emerging economies in North and Southeast Asia‎.

OUR NETWORK

Making a difference.
We are committed to helping businesses and communities around the world with our unique cross-border settlement network.

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Behind every transfer, there’s a story…

In this film series, we take a look at the personal stories behind a transfer…

Meet our leadership team

MAX LIU

Co-founder & CEO

A veteran of the financial services industry, Max’s career spans more than 20 years across Asia and the United States, including senior leadership roles at Citadel Investment Group and Goldman Sachs & Co. Max was named as a Young Global Leader by the World Economic Forum with the commitment to build a strong and diverse community. He received his Bachelor of Science degree from the Olin Business School at Washington University in St. Louis.
JOHN KANG

Head of Finance

John joins EMQ with over 15 years of experience in financial services industry, most recently as a convertible bond trader at Citigroup’s credit trading group. Earlier, he spent 3 years at Citadel Investment Group as a senior analyst in the Special Situations Asia team. Prior to Citadel, John spent 7 years at Goldman Sachs in New York and Hong Kong in Private Wealth Management and Fixed Income, Currencies, and Commodities. John holds a bachelor’s degree in Government from Cornell University.
STEVEN LIU

Head of Business Development, APAC

Steven joins EMQ with over 15 years of industry experience and most recently as head of business operations for the Interpublicis Group of Companies (IPG) in Beijing, where he was responsible for managing and executing corporate development and strategy on top of identifying and evaluating potential M&A opportunities. Prior to this, Steven spent over 7 years at Hanjin Shipping as deputy general manager, covering industry pricing in Japan, Canada and the United States. Steven holds a degree from Washington University in St. Louis.
MATTHEW CHANG

General Counsel

Matthew joins the company with close to 20 years of experience representing corporations in general corporate matters, corporate financing, securities law and mergers & acquisitions. Prior to joining the company, Matthew practiced law in the United States and served in various law firms including McDermott, Will and Emery and most recently as Senior Counsel for Keysight Technology, Inc. Earlier, he was a law clerk for U.S. District Court Senior Judge Sterling Johnson, Jr. in the Eastern District of New York. Matthew received his Juris Doctor degree from Northeastern University School of Law in Boston, Massachusetts. He is a member of the California, New York and Massachusetts bars.
GENEVIEVE LI

Director, Marketing Communications

Genevieve joins the company with over 15 years of corporate communications experience, most recently as Director of Global Communications at Global Cloud Xchange (GCX), a subsidiary of Reliance Communications. Prior to joining GCX, she has held various senior level positions, including Senior Manager for Corporate Affairs at Telstra and Senior Manager for Corporate Communications at Pacnet. Genevieve received her BA in Journalism from California State University, Chico.
HARRY TENG

Technical Advisor

Harry joins EMQ with over 15 years of experience in the Technology sector, most recently as Chief Product Officer at 104 Corporation, the largest job site in Taiwan. Prior to that, he was the Chief Information Officer of V Air and TransAsia, where he aimed to create digital airlines. Prior to that, Harry held senior product management roles at Fortune 500 companies including Yahoo, Microsoft and Expedia. Harry has a master's degree in information sciences from the University of Pittsburgh, and a bachelor's degree in telecommunications from Michigan State University.
MIKE WEBSTER

Head of Product Management

Mike brings 17 years of experience in the Information and Communications Technology sector across different industries including retail, healthcare, agribusiness, energy, digital publishing and data services in Melbourne, London and Taipei. Mike joined EMQ in 2017 as a Product Manager, where he rose through the ranks and became Head of Product Management in 2018.
KJ WU

Head of Engineering

KJ joins EMQ with over 20 years of IT leadership experience in application development and cloud computing across Asia and the United States. KJ came from Google where he built, led, and managed the Google Cloud Technical Team in Taiwan. Prior to Google, KJ held senior roles at Fortune 500 companies including Senior Solutions Architect at Amazon Web Services (AWS) and Managing Consultant at IBM.
UMA BALACHANDRA

Head of Business Development, Europe

Uma joins EMQ with over 10 years of banking, fintech and payments experience. He was most recently VP of Strategic Partnerships at WorldRemit, a digital international money transfer service focused on serving customers in emerging markets. Prior to WorldRemit, he was Head of Partnerships at Virgin Money Digital Bank and Head of UK Partnerships at Avant, an online consumer lending platform. Uma received his Bachelor of Science degree from the University of Nottingham.
ERIC FRAYALDE
ERIC FRAYALDE

Head of Business Development, Middle East, South Asia & Africa

Eric Frayalde is responsible for business development and building strategic partnerships across Middle East, South Asia and Africa. Eric joins the company with 16 years of Banking and International Remittance experience in Middle East including Citibank UAE, Standard Chartered Bank UAE, Xpress Money and Cebuana Lhuillier.