Walter de Oude is the founder and CEO of Chocolate Finance. A qualified actuary with more than 25 years in finance, he founded Singlife in 2014 – Singapore's first new life insurer in almost 50 years – and grew it to a S$3.2 billion valuation by 2020 before its combination with Aviva Singapore. Walter has been named EY Entrepreneur of the Year and Outstanding CEO of the Year. With Chocolate Finance, he is on a mission to give everyday money a better home — fixed-deposit-level returns without the lock-ups, simply and without the usual hurdles. Make life richer. Every day.