Val Ji-hsuan Yap is the Founder and CEO of PAL Network and PolicyPal Singapore. Before founding PolicyPal, Val Yap worked as the Assistant Vice President at OCBC Bank in Singapore, where she headed a wide range of digital initiatives and campaigns,working closely with wealth and marketing to drive innovations. Previous to this position, Val served as Risk Assurance Associate at PwC in London. Former sales broker at Allianz, Val feels passionately about making insurance protection simple and accessible to everyone. Val who was recently named to Forbes “30 Under 30” list for Finance and Venture Capital and Fellow at Singapore University of Social Sciences, is a post-graduate with MSc Business Management at Imperial College London and BA Digital Media at University of the Arts London.