Max Liu is Co-founder and Chief Executive Officer of EMQ.

A veteran of the financial services industry, Max’s career spans more than 20 years across Asia and the United States.

Across Asia, Max has seen how conventional banking excluded large segments of society, particularly low-income overseas workers from having access to financial services. Over time, these overseas workers have become a pillar of the economy while providing a critical lifeline to millions of households in the developing countries. This has inspired Max to build a financially inclusive business leveraging Fintech innovation to meet the needs of the overseas workers. EMQ was launched in 2014 and offers remittance services between two countries at a fraction of the price of conventional banks by utilizing aggregation and netting. With a strong presence across Asia, the company partners with financial institutions and other strategic partners in each country to enable and settle cross-border remittance via banks and various modes for top-up and cash pickup.

Earlier, Max served as a founding member and portfolio manager of the Special Situations Asia team at Citadel Investment Group, a global multi-strategy hedge fund with US$26 billion in assets under management. At Citadel, Max led the Greater China team that sourced, structured, invested, and managed assets across the capital structure.

Prior to Citadel, Max held several leadership roles at Goldman Sachs & Co. in New York and Hong Kong in the Fixed Income, Currencies, and Commodities division and served as the Head of Proprietary Research for the Asia Convertible and Credit Trading Group.

Max received his Bachelor of Science degree from the Olin Business School at Washington University in St. Louis. He was also named as a Young Global Leader by the World Economic Forum.