Our Team


Crystal He


Ms. He is the Director of Emerald Wealth Management Ltd. She is also the partner of Emerald's parental company DL Family Office (DL).

Before joining DL in 2014, Ms. He served at Standard Chartered Bank China Retail Banking Proposition and Strategy department where she helped to design and implement the strategy on client retention framework. She led the team in the execution of client loyalty monitoring system and operation optimization through collaborative efforts with products, sales management, operation and segment teams. 


Afterwards, Ms. He joined Standard Chartered Private Banking, where she worked to bridge the personal and corporate solutions catering to ultra-high net worth clients’ needs. She also worked briefly for Bank of Singapore in charge of China Private Banking clients before joining DL.


Ms. He holds Bachelor Degree of International Economics and Trade from Shanghai International Studies University and Wealth Management for Private Bank Certification from Financial Technology Transfer Agency of Luxembourg Consulate.

Mr. Chan is the head of insurance of Emerald Wealth Management Ltd. and he supports initiating and consolidating the partnership  between Emerald and mainstream insurance companies including AIA, Prudential, AXA, Sun Life and MassMutual etc. 

Before joining Emerald, Mr. Chan worked as an independent insurance broker with his own team and office. He provided insurance products from multi insurance companies to corporate and individual clients.

Prior to being an independent broker, Mr. Chan was a certificated agent of Sun Life and MassMutual. Mr. Chen also served at CEF (later acquired by AXA) and CMG (later acquired by Sun Life) insurance as senior business manager for almost 10 years. Besides Mr. Chan's professional experiences in insurance, he also served in FOREX investment for about 7 years.  

Mr. Chan has almost 30 years of professional business experiences. He also holds the CFP certificate from Institute of Financial Planners of Hong Kong and the FLMI certificate from LOMA (Life of Management Association) .


Matt Chan

Head of Insurance