HELEN T. DE GUZMAN, independent director and Chairperson of the Audit and Risk Oversight Committee, at SBS Philippines Corporation since May 2019 and an independent director and Chairperson of the Board Risk and Compliance Oversight Committee at Etiqa Life and General Assurance Philippines, Inc. since October 2021. Helen holds an Executive Masteral degree in Business Administration dean’s list from the Asian Institute of Management. She is a certified public accountant, certified internal auditor and has global certification on risk management assurance. Currently, she serve as Audit Committee advisor for Peace and Equity Foundation Inc., a teaching Fellow at the Institute of Corporate Directors and Treasurer of Couples for Christ Global Mission Foundation, Inc. Previously, she held directorship positions in Miescor Builders, Inc., Customer Frontline Solutions, Inc., and the Philippine Institute of Certified Public Accountants, the Institute of Internal Auditors, Philippines, and the Asian Confederation of Institutes of Internal Auditors. Before her retirement from corporate work, Helen was a seasoned chief audit executive and a former external auditor. In addition, she had work experience in senior executive positions such as in comptrollership, treasury and general management.