Santosh Subedi's Email

• Build and maintain effective relationship with the key partners all over the world. • Exploring new opportunities for Business development, Sales & Marketing. • Build and acquiring networks through dedicated partners. • Develop and implement the corridor sales & marketing strategy. • Excellent communication, presentation and negotiation skills. • Full responsibility for the global operations. • Oversee and coordinate all IT system set up requirements for new agents. • Evaluating performance & monitoring the sales and marketing activities.

Regional Manager- Middle East @ From October 2015 to Present (3 months) Regional Manager- MENA @ IME (M) Sdn Bhd, (Company No. 562832-V) is a global money transfer company duly incorporated under the laws of Malaysia, having its corporate office at Suite 2B-11-2, Block 2B, Level 11, Plaza Sentral, Jalan Stesen Sentral 5, 50470 Kuala Lumpur, Malaysia. IME is the first company licensed by Bank Negara Malaysia, BNM- The Central Bank of Malaysia to operate remittance business. Also, IME is the first licensed remittance company to obtain International Money Transfer Operator (IMTO) license. Today, IME is one of the largest non-bank remittance service providers in Malaysia. IME, now offer both outbound and inbound remittance services for its customers through its worldwide network of more than 150,000 in more than 30 countries. • Heading Sales, Business Development and Operations for MENA. • Develop and coordinate the implementation of sales strategies to achieve growth goals. • Competitive monitoring on prices to ensure competitiveness. • Conducting market research and analyzing the environment: Competition, Market Actors, and Benchmarking. • Regular market analysis and competitor analysis to support the sales strategy of the MENA Region • Identifying relationship needs & evaluating potential markets within MENA & strategize entry for market expansion and enhancing business volumes. • P&L responsibility for the region and revenue optimization. • New corridor development for institutions and marketing strategy for customer conversions. • Work closely with various departments (operations, legal, compliance and collection) in order to facilitate the process of implementation and operationalization for each new partner. • Transmit monthly performance reports for each country From November 2013 to October 2015 (2 years) Senior Manager @ International Money Express (IME) is in the business of remittance solutions specializing in the delivery of world class money transfer services to families and friends around the globe. It all started 11 years ago with a humble step yet a gargantuan aspiration. Today IME boasts of a widespread international presence spanning 20 countries, a network of over 75,000 payout locations worldwide, a highly efficient workforce of more than 1000 diverse employees and a customer base of millions. But what make us the most favored remittance operator today above all is our deep seated belief on the fact that for families and friends money contains not only a physical value but also an intrinsic value embedded with a great deal of emotions, dreams, aspirations and happiness. For years, IME is proud to have transferred this happiness across the world. And, we will continue to do so. From September 2013 to November 2013 (3 months) Kathmandu, NepalRegional Director - Asia @ Transcash International Pty Ltd is an Australian Financial Services Licensed (AFSL) company from Australian securities and Investment Commission (ASIC). It is a majority owned subsidiary of iPay Financial Services Pte Ltd, Singapore. Its brand iPay is one of the most recognised brands operating from Australia. We provide broad range of services including remittance, corporate FX and cash. We have established networks in all financial hubs across the world and are continuing to expand every day. Setup direct banking tie ups with Banks and Financial Institutions: Philippines- Metro Bank, BDO Unibank Inc, Landbank, MLhuillier, Philippine National Bank Malaysia, Cambodia, Singapore, Indonesia, Thailand, Brunei- CIMB Bank Vietnam- DongA Bank, Sacom Bank Sri Lanka- Seylan Bank Plc, Sampath Bank, Nations Trust Bank Bangladesh- United Commercial Bank Ltd., NCC Bank Ltd. Lebanon- Silva Exchange China- CashToChina Malaysia- Akbar Money Changer Sdn.Bhd., NS Cash Point Sdn. Bhd., Crystal Remit Worldwide, Rush Money Express, Tranglo Remit Indonesia- Bank Syariah Mandiri, PT Agung Remittance Global Japan- Japan Remit Finance Worldwide- Sigue Money Transfer / Coinstar Money Transfer Worldwide- Speed Remit Worldwide Worldwide- Instant Cash Worldwide From July 2011 to July 2013 (2 years 1 month) Sydney Area, AustraliaRegional Director - Asia @ IPAY Financial Services Pte.Ltd. formerly known as TransCash Investment Pte Ltd (TCI), registered in Singapore, is a global financial solutions company dedicated to providing complete financial solutions to our clients. By leveraging technological innovation and industry experience with global partners, we help our clients achieve optimal financial control over their business. TCI envisions itself being one of the leading financial service providers in the countries of its operation. To achieve this vision, the Company has set an immediate mission of being the “Most Preferred Financial Service Provider” in the Asia and Pacific regions. TCI is promoted by highly prominent business personalities who have excelled in their fields of business/profession with integrity and social standings. The promoters of the Company are seasoned businessmen with vast experience in financial services and commercial banking. Setup direct banking tie ups with Banks and Financial Institutions: Philippines- Metro Bank, BDO Unibank Inc, Landbank, MLhuillier, Philippine National Bank Malaysia, Cambodia, Singapore, Indonesia, Thailand, Brunei- CIMB Bank Vietnam- DongA Bank, Sacom Bank Sri Lanka- Seylan Bank Plc, Sampath Bank, Nations Trust Bank Bangladesh- United Commercial Bank Ltd., NCC Bank Ltd. Lebanon- Silva Exchange China- CashToChina Malaysia- Akbar Money Changer Sdn.Bhd., NS Cash Point, Crystal Remit Worldwide, Rush Money Express, Tranglo Remit Indonesia- PT Agung Remittance Global, PT Bank Syariah Mandiri Japan- Japan Remit Finance Worldwide- Sigue Money Transfer / Coinstar Money Transfer Worldwide- Speed Remit Worldwide Worldwide- Instant Cash Worldwide From January 2011 to July 2013 (2 years 7 months) SingaporeManaging Director & CEO @ CRYSTAL REMIT WORLDWIDE SDN.BHD is a remittance service company incorporated on 14 August 2008 under the companies Act 1965.as a private limited company. The reason to incorporating the business is to facilitate the remittance services to all the countries migrant workers in the country and to join as one of the Remittance company in Malaysia. CRYSTAL REMIT WORLDWIDE is licensed by Bank Negara Malaysia (Central Bank of Malaysia) for remittance business. CRW operates in compliance with Bank Negara’s rules and regulations and all international rules and codes on money remittance operators. CRW has remittance arrangements with various International Money Transfer Companies like Coinstar Money Transfer, Instant Cash FZE, a subsidiary of Emirates Post, Trans-Fast Remittance LLC, USA for Inward and Outward Remittance services and Tranglo Remit for sending money to Indonesia. From 2008 to 2010 (2 years) MalaysiaDirector- Global Business Development & Marketing @ Crystal Worldwide Money Express Pvt. Ltd., is based in Kathmandu, Nepal and is a Government registered private limited Company established in 2002 and recognized by the Central Bank Of Nepal with a view to tap the huge market of money remittance into the Country.Its head office is located at the 5th Floor,The Kathmandu Mall,Sanchay Kosh Building, Sundhara, Kathmandu, Nepal. CWME has team up with Coinstar Money Transfer (CMT) formerly Travelex Money Transfer (TMT), Al Fardan Exchange- Doha, Qatar, Global Money Transfers(GMT)- Israel, Ceylinco Fastcash(CFC)- Singapore, Omnex Group's SEND IT- USA, Chequepoint- UK, MoneyExchange S.A.- Spain and RIA Financial Services-USA in Nepal. From 2006 to 2008 (2 years) NepalGeneral Manager @ Crystal Worldwide Money Express Pvt. Ltd., is based in Kathmandu, Nepal and is a Government registered private limited Company established in 2002 and recognized by the Central Bank Of Nepal with a view to tap the huge market of money remittance into the Country.Its head office is located at the 5th Floor,The Kathmandu Mall,Sanchay Kosh Building, Sundhara, Kathmandu, Nepal. CWME has team up with Coinstar Money Transfer (CMT) formerly Travelex Money Transfer (TMT), Al Fardan Exchange-Doha, Qatar, Global Money Transfers(GMT)- Israel, Ceylinco Fastcash(CFC)- Singapore, Omnex Group's SEND IT- USA, Chequepoint- UK, MoneyExchange S.A.- Spain and RIA Financial Services-USA in Nepal. From 2004 to 2006 (2 years) AML & Compliance Manager @ Crystal Finance Ltd. established under Financial Act 2042.CFL started its operation since 2001.to provides banking service to the people by mobilizing the idle fund to the productive sectors. The Main Office of CFL is located at China Town Shopping Center, Churchill Complex, Bagdurbar, Sundhara, and Kathmandu., Nepal. This is rated as “C-Class Banking license” by the Central Bank of Nepal. From 2002 to 2004 (2 years) Nepal

School Leaving Certificate (SLC), Computer and Accounts @ HolyLand International SchoolIntermediate in Commerce (I.Com), Accounts & Finance @ Tribhuvan University, NepalBachelor of Arts (B.A.), Finance & Economics @ Tribhuvan VishwavidalayaMaster of Business Studies (M.B.S.), Operations Management and Marketing @ Tribhuvan Vishwavidalaya Santosh Subedi is skilled in: Soccer, IT Operations, New Business Development, Money Transfer, Remittances, Online Money Transfer, B2B, Strategic Planning, Electronic Funds Transfer, Financial Services, Marketing Strategy, Mergers, Business Strategy, Business Development, Business Planning, Market Research