Our People

Our People

Cem Azak

Cem Azak

Chairman & CEO

“Knowing what you don’t know is more important than what you think you know”

Majority Shareholder

Cem A. Azak is a veteran industry leader with vast experience in both investment banking and wealth management across the United Kingdom, Germany, Switzerland and Singapore. He joined Crossinvest (Asia) in October 2020 as the majority shareholder. He is also the Chairman and Chief Executive Officer of Crossinvest (Asia).

Before Crossinvest (Asia), Cem was with EFG Bank AG Singapore for many years as Senior Managing Director, Market Head International. At the Swiss private bank, he received multiple awards every year from EFG including ‘Deal of the Year’ awards, Top CRO (“Banker”) awards and DPM Deal of the Year awards. Prior to joining EFG Bank, he was with DBS Private Bank in Singapore as Executive Director, Head of Europe, Middle East & Africa (B). He was also previously with Barclays Bank Group for almost 10 years (first with Barclays Capital - the Investment Banking arm followed by Barclays Wealth Management) where he worked in senior roles and at various locations such as Frankfurt, London and Zurich.

Cem is a shareholder of several companies in the digital space. He is on the fund-raising committee of the registered charity Jazz Association Singapore (“JASSO”). Being a regular supporter himself, Cem received the JASSO Ambassador Award 2019 and the JASSO Gratitude Awards for 2018 and 2019. He was given the Patron of the Arts Award 2020 and Friend of the Arts Award 2018 by the National Arts Council of The Republic of Singapore. Cem is also a Member of the Board of Trustees of the Turkish Entrepreneurship Foundation, a charity that works with youths to advance the entrepreneurship culture.

Cem studied Law at the Johannes-Gutenberg-University, Mainz in Germany. In his spare time, Cem enjoys travelling, basketball and horses – he owns two champion racing horses at the Singapore Turf Club. He is a proud father of three – two boys and one girl – and speaks fluent English, German and Turkish.

Vishal Nanwani

Vishal Nanwani

Chief Investment Officer

“Minimizing negative outcomes over the short term maximizes long term gains”

Vishal currently sits on the Board of Directors of Crossinvest (Asia). Prior to joining Crossinvest (Asia), Vishal worked for Bank of Singapore as part of the investment advisory team where he managed global, cross-asset allocation investment portfolios for high and ultra-high net worth individuals; he also later worked as a Private Banker. Vishal then pivoted his career to the Multi-Family Office business wherein he could continue to be a fiduciary advisor to the families he works with, but without the conflict of interest that occurs in private banking today.

Importantly, Vishal as Chief Investment Officer seeks to bring an institutional level of asset management abilities to private clients of Crossinvest (Asia). He is influenced by the study of Deterministic Chaos in mathematics and believes it accurately describes financial markets. As such, he believes that outcomes within financial markets are highly unpredictable. However, by understanding initial conditions, the nature of the system and possible catalysts, portfolios can be positioned to minimize the impact of negative outcomes and capture the upside in a strong risk-adjusted manner.

Lastly, he believes that the wealth held by clients today, is the result of the time they sacrificed away from their family to ensure their financial security and hence, as fiduciary advisors, it should be Crossinvest’s mission to protect as well as build on this sacrifice.

Vishal holds a First-Class Bachelor of Arts degree (Hons) in Politics, Philosophy and Economics from the University of Manchester. He speaks fluent English and is receptively bilingual in Hindi.

Cheryl Ong

Cheryl Ong

Chief Operating Officer

Cheryl is the Chief Operating Officer of Crossinvest (Asia). She oversees the company's operational and human resource processes and supports the CEO on the day-to-day activities of the business.

As the Chief Operating Officer, she also sits on the Board of Directors of Crossinvest (Asia).

Cheryl began her role with the Company in 2007 as the Administration Manager when the team was just four-member strong. She was promoted to Head, Corporate Administration in 2017 and worked closely with the Senior Management; undertaking various roles, tasks and new projects.

Prior to joining Crossinvest (Asia), Cheryl spent many years in the education industry. She was an integral member of a division at the Ministry of Education that administered the operations of the GCE National Examinations for the secondary schools in Singapore. She later moved on to the National University of Singapore where she worked with the Head of Department of Microbiology at the Yong Loo Lin School of Medicine in overseeing the department of over a hundred academic and non-academic professionals.

Cheryl holds a Bachelor’s degree in Applied Mathematics from the National University of Singapore. She speaks fluent English and conversational Mandarin.

Celestine Joseph

Celestine Joseph

Head, Risk & Compliance

Celestine is the Head of Risk & Compliance at Crossinvest (Asia) and is a member of the Board of Directors. She has been helming this role of risk & compliance for more than a decade at Crossinvest. Celestine is responsible for establishing standards and policies pertaining to regulatory requirements issued by the Regulators; ensuring that these standards are communicated to the Company; implementing the Company’s policies and procedures.

Additional areas of Celestine’s core responsibilities include Governance and Risk Management that aim to assure the Company consistently achieves its objectives, addresses uncertainty and acts with integrity. Prior to joining Crossinvest in 2009, Celestine worked for the Family Office Trust, a single Family Office that manages investments and trusts for a single family. During her five years with the company as the office manager, she was overseeing the firm’s human resources, financial and facilities management.

In addition to her work in the financial industry, Celestine had worked in the banking, aerospace and telecommunication industries with over fifteen years’ experience working closely with senior members of the management and legal team. These include ExxonMobil Chemical, Lockheed Aircraft (Asia) Ltd, Citicorp Investment Bank, Orient Telecommunications Network Pte Ltd and CSC Asia Pacific Pte Ltd. She was responsible for general office management, marketing research, organizing marketing events, overviewing office procedures and ensuring smooth operations in the respective work environment.

Celestine speaks fluent English and Bahasa (Melayu).

Nicholas Moraitis

Nicholas Moraitis

Managing Director - Private Clients

“With creativity there is a solution for nearly any problem”

Nicholas is the Managing Director – Private Clients at Crossinvest (Asia). Prior to joining Crossinvest, he has held various roles in the wealth industry, including running intermediary distribution for Lloyds TSB and working for the expatriate and international desks at ANZ and ABN AMRO. A long-term expatriate himself, he has first-hand experience of the complexities of working and banking in Asia and has worked with a variety of private and institutional investors. Nicholas began his finance career within UK retail banking and has spent the last fifteen years in Asia.

He favors diverse portfolio construction with the tactical use of hedging and derivatives to produce balanced returns. His clients mostly like his lateral problem-solving approach to finding solutions for both their investments and businesses. Nicholas has an extensive network of lawyers, corporate service providers, property consultants and private equity firms and can facilitate introductions accordingly.

Nicholas has a degree in Psychology from the University of Westminster and is an MAS Appointed Representative under the Securities and Futures Act and the Financial Advisers Act. In his free time, he is a keen athlete, avid reader and fan of historical trivia. Nicholas is fluent in English and Greek.

Marcus Tan

Marcus Tan

Portfolio Manager

“Capital enhancement and preservation is a marathon, not a sprint”

Marcus is the Portfolio Manager at Crossinvest (Asia) and works closely with the Chief Investment Officer on portfolio construction, fund selection and security analysis to generate robust risk-adjusted returns. While he looks for the best that may happen, he never loses sight of the worst that could happen.

Marcus started his career in fixed income at Bank of America and later moved on to Mitsubishi UFJ Trust International. He subsequently worked as an equities trader as well. He has conducted fundamental research across fixed income, foreign exchange and equities and is used to the intense pace of a sales and trading floor. Marcus has worked with central banks, pension funds, asset managers and hedge funds to view investments through different perspectives.

Following the completion of his Chartered Financial Analyst (CFA) designation, he remains curious and always seeks to further understand financial markets by applying theories and concepts under the contexts of history, politics, philosophy and chess.

In his spare time, Marcus enjoys reading works which have stood the test of time and is an avid athlete and a dog lover. Marcus speaks fluent English and Mandarin.



Manager, Middle-Office

Lidya is the Manager of Middle-Office Operations at Crossinvest (Asia) supporting the growing team of Senior Private Client Advisors. Having first joined as Assistant Relationship Manager, her role is vital in supporting the Client Advisors to provide their clients with unparalleled client servicing.

Before joining Crossinvest (Asia), Lidya was formerly with HSBC Singapore, DBS Singapore and UOB Singapore. She had acquired many years of experience within the retail banking and affluent banking space as a Relationship Manager serving high-net-worth clients and has acquired an all-rounded experience from product knowledge to client-servicing. Lidya, who is highly service-oriented and passionate about her job understands the nuances and expectations in the Private Wealth Management space.

Lidya grew up in Indonesia and later moved to Singapore to further her studies in Hospitality Management where she learnt and embraced the motto “Service from the Heart”. During her free time, the avid baker and cook enjoys her time in the kitchen, whipping up a hearty meal and experimenting with new recipes and ideas. Lidya speaks English, Bahasa (Indonesia) and Mandarin.

Tengiz Kharaziia

Tengiz Kharaziia

Analyst, Risk & Monitoring

“An open mind is essential for an investor as you will always be tested by markets”

Tengiz is the Analyst in Risk & Monitoring at Crossinvest (Asia) with a myriad exposure in the operations and risk functions. He is a member of the Investments Team where he is responsible for portfolio monitoring and risk management. Tengiz monitors each client portfolio’s performances on a daily basis and monitors risks using VaR models, internally-built algorithms along with other financial instruments. He also supports the back-office operations and trade support to ensure operational risk procedures are adhered to.

Tengiz grew up in the Republic of Abkhaziya, having attended school in Sukhum and graduated with Honours. Tengiz then moved to Singapore and pursued his undergraduate studies in Business Management at the Royal Melbourne Institute of Technology under the Singapore Institute of Management. He graduated with a Bachelor’s Degree in Business Management.

In his free time, Tengiz enjoys running and tennis, as well as competitive boxing, having competed at a junior level. Tengiz speaks English, Abkhazian, and Russian fluently.