• Ema Mercado has more than (39) years of experience in banking, held various significant positions as Compliance Officer, Relationship Manager for Small Medium Enterprises, Customer Care Officer, and Loan Account Officer.

• She complemented the Chief Compliance Officer in coordinating the implementation of the Bank’s compliance system, random compliance test check of all business units, monitoring action plans and set timelines for BSP/Internal audit findings and outstanding items for regularization, disseminating relevant Phil. Laws and regulations through issuance of internal bulletins/reminders/policies and contribute to the Compliance Office’ objective of attaining an effective Compliance Program for the Bank.

• Acted as the Customer Care Officer of the Bank by seeing to it that all complaints from all channels are well addressed and resolved.

• Responsible for smooth and pleasant relationship of the bank with external governing bodies such as Bangko Sentral ng Pilipinas, Securities and Exchange Commission, Insurance Commission, Chamber of Thrift Banks, among others.