Francis Chiu, a seasoned and multi-awarded technology leader, brings over 25 years of experience driving innovation and operational excellence in the financial services industry. Currently serving as First Vice President and Head of Consumer Banking Applications at BDO Unibank, Francis has successfully led transformative digital initiatives that enhance customer experiences and align technology with business goals. Recognized globally with accolades as a Technology Professional and Leader, he is known for his expertise in digital banking transformation, risk management, and fostering seamless collaboration across hybrid teams. Francis is a member of the Philippines CIO Association and actively contributes to sustainability and tech leadership through his other professional affiliations.