TRUST WITH CONFIDENCE, DILIGENCE WITH PRECISION Advisory & AI Solutions for Individuals & Businesses across South East Asia Whether you're strengthening your regulatory framework, evaluating an acquisition, raising capital, or improving business performance, Biji Deals provides practical, senior-led advisory that helps you make informed decisions and execute with confidence. Read More How We Help Growth Grow your business with confidence through strategic advice, capital raising support, operational improvement and technology-enabled solutions. Key Services: Business Advisory Deals & Capital Advisory AI & Technology Solutions Customer Experience Operations & Automation Compliance Strengthen governance, manage financial crime risks and meet evolving regulatory expectations. Key Services: AML/CFT Advisory Enterprise-Wide Risk Assessment Gap Assessment Thematic Reviews Policy & Procedure Development Independent Reviews Transactions Supporting investors and businesses to make informed decisions before, during and after significant transactions. Key Services: Financial Due Diligence Commercial Due Diligence Operational Due Diligence Vendor Due Diligence Transaction Support Why Businesses Choose Biji Deals Senior-led from start to finish You'll work directly with experienced advisors - not layers of junior consultants. practical advice you can implement We focus on recommendations that work in practice, not just in presentations. One trusted partner across your business lifecycle Whether you're managing compliance, pursuing growth or executing a transaction, we provide integrated advisory support. commercial thinking backed by technical expertise We balance regulatory expectations with practical business realities to deliver advice that helps you move forward with confidence. more than advice. confidence to move forward. More about Our Journey Our Philosophy At Biji Deals, we believe businesses deserve more than technical advice. They deserve trusted advisors who understand the decisions that shape their future. Our founder-led approach brings together commercial thinking, technical expertise and a commitment to long-term partnerships. We don't measure our success by the reports we produce. We measure it by the confidence our clients have, to make informed decisions, take meaningful action and move their business forward. Because the best advisory doesn't end with recommendations - it builds clarity, inspires confidence and creates lasting impact. Meet Your Advisors RESHVINJEET SINGH Managing Partner Reshvinjeet advises businesses and investors on critical financial, growth and transaction decisions. With experience across transaction advisory and financial due diligence, he helps clients look beyond the numbers, identify risks, challenge assumptions and assess opportunities with a clear commercial perspective. ASHLEY MONTANO Risk & Compliance Partner Ashley advises regulated businesses, fintechs and SMEs across the APAC region on AML/CFT and financial crime compliance. Combining experience across financial services and professional advisory, she helps organisations translate regulatory expectations into practical, risk-based frameworks that strengthen governance and support sustainable growth. Let's Start the Conversation Every important decision starts with a conversation. Whether you're exploring an opportunity, managing regulatory obligations or planning your next stage of growth, we'd welcome the opportunity to understand your business and discuss how we can help. Because the most important business decisions should never be made alone. Phone Call Us Whatsapp Business Whatsapp Us Email Email Us LinkedIn Connect on Linkedin Edit Request a Proposal

Delivering efficient, scalable customer experience (CX) operations through a combination of AI automation and global support capabilities PERKHIDMATAN KAMI Building smarter, more scalable customer support operations We help businesses improve customer support through AI-powered automation, omnichannel operations and technology-enabled customer experience (CX) processes that helps teams deliver faster, more consistent and scalable customer experiences. Customer Experience Solutions Built Around Your Operations Effective customer experience requires more than adding another support channel or chatbot. We help businesses design and improve the processes, technology and support operations behind every customer interaction. AI-POWERED CUSTOMER SUPPORT Use AI-powered chatbots and automation to handle enquiries, triage requests and support customers at scale while allowing human teams to focus on more complex interactions. CX PROCESS DESIGN & OPTIMISATION Review and improve customer support workflows, processes and operating practices to enhance efficiency, consistency and service quality. OMNICHANNEL SUPPORT OPERATIONS Manage customer interactions across email, chat, voice and social channels through coordinated support operations designed for consistency and responsiveness. PERFORMANCE ANALYTICS & REPORTING Use customer support data to monitor response times, resolution rates, customer satisfaction and other operational metrics, helping identify trends and opportunities for improvement. From Customer Demand to Scalable Support The right customer support model starts with understanding how your customers interact with your business. We look at your existing operations, identify where improvements can be made and determine where technology and automation can create meaningful value. Understand. We assess your customer support requirements, existing workflows, channels, interaction volumes and operational challenges. Design. We shape the appropriate support model, processes and technology around your customers, business requirements and operating environment. Automate. We identify suitable opportunities for AI and automation to handle repetitive interactions, streamline workflows and support your customer service teams. Optimise. We use performance data and customer feedback to identify opportunities to improve service quality, operational efficiency and the overall customer experience. Who We Support Supporting Businesses as Customer Demand Grows We support businesses across Malaysia and Southeast Asia that need to improve customer support capacity, service consistency or operational efficiency as they grow. Businesses with Growing Support Demands Organisations experiencing increasing customer enquiries and looking to increase support capacity without relying solely on additional manual resources. Multi-Region Businesses Companies serving customers across different markets, regions or time zones that require consistent and coordinated support coverage. Digital Products & Platforms Digital businesses that need scalable customer support operations alongside their products, platforms or services. Businesses Focused on Efficiency Organisations looking to reduce manual support workloads, improve resource allocation and make customer service operations more efficient. What Better CX Operations Can Help Your Achieve Creating More Efficient, Consistent Customer Experience. Well-designed customer experience operations can help businesses respond more effectively to customer demand while giving teams better processes, tools and visibility. Improve response times and handle customer enquiries more efficiently. Scale Without Adding Complexity Respond Faster Increase support capacity without relying solely on proportional increases in manual resources. Reduce Manual Workload Standardise support processes and customer interactions across channels. Deliver More Consistent Service Use performance data to understand response times, resolution rates and customer satisfaction. Improve Customer Visibility Allocate support resources more effectively based on customer demand and operational performance. Optimise Resources Use AI and automation to handle repetitive enquiries and support workflows. Customer Experience Operations & Automation Explained 01 When should a business consider customer support automation? Customer support automation can be useful when enquiry volumes are increasing, teams are spending significant time on routine requests / tasks or customers expect faster responses. The appropriate level of automation depends on the nature of the interactions, customer expectations and existing support processes. 02 What customer service processes can AI and automation handle? AI and automation can support commonly asked questions, information requests, request triage, workflow routing and other structured customer interactions. More complex or sensitive matters may still require human involvement, depending on the business and use case. 03 What is omnichannel customer support? Omnichannel customer support connects customer interactions across channels such as email, chat, voice and social platforms (e.g., Instagram, Facebook, TikTok, etc. ). The objective is to provide a more coordinated support experience while giving businesses greater visibility across customer interactions. 04 Can AI and automation work alongside human customer support teams? Definitely. The objective of AI and automation is to support human customer service teams by handling recurring enquiries, commonly asked questions and other routine interactions. This allows support teams to spend more time on complex enquiries, problem-solving and interactions that require human judgement or a personal response. 05 How can businesses scale customer support without significantly increasing manual workload? Businesses can combine process improvements, automation and appropriate support resources to handle increasing customer demand more efficiently. This may include automating repetitive interactions, streamlining workflows and using performance data to allocate resources more effectively. 06 How do you measure customer support performance? Common measures include response times, resolution rates, customer satisfaction, interaction volumes and other operational metrics relevant to the business. The right measures depend on the organisation's objectives and the type of customer support it provides. 07 Can customer support operations be managed across multiple markets and time zones? Yes. Customer support operations can be structured around different markets, languages, channels and operating hours. The appropriate model depends on customer demand, required coverage, service expectations and the organisation's operating environment. 08 Can Biji Deals help design and implement a scalable CX operations model? Yes, we can help businesses assess their existing customer support operations, identify opportunities for process improvement and automation, and develop a more scalable operating model. Where technology development or operational delivery is required, we can draw on capabilities available through our related technology ecosystem. Smarter Operations. Better Customer Experiences. Let's explore how AI, automation and better support processes can help your business grow without compromising service quality. Phone Call Whatsapp Business Whatsapp Email Email Edit Request a Proposal

Supporting businesses in Malaysia and across cross-border operations by designing and building custom AI-driven systems, internal platforms and scalable software. PERKHIDMATAN KAMI Turning business challenges into practical AI and technology solutions Biji Deals helps businesses identify opportunities to use AI and technology to improve operations, solve business challenges and support growth. Where a solution requires system development or technical implementation, we work with our related technology company, Outsourcee.co , to bring the solution to life. What We Can Help You Build We help businesses identify and develop technology solutions that address real operational and commercial needs, from AI-powered internal systems to scalable platforms, infrastructure and intelligent data solutions. CUSTOM AI & INTERNAL SYSTEMS Design and build AI-powered tools, automation systems and internal platforms tailored to your business processes and operational needs. FULL-STACK PLATFORM DEVELOPMENT Develop scalable web applications and SaaS platforms designed to support business operations, customer-facing services and future growth. CLOUD, INFRASTRUCTURE & SECURITY Build secure and scalable technology environments with appropriate infrastructure, data protection and access controls to support reliable business operations. INTELLIGENT DATA & KNOWLEDGE SYSTEMS Develop AI-enabled systems that organise, retrieve and generate insights from internal business data and knowledge. How We Work With You From Business Need to Practical Technology Solution The right technology solution starts with understanding the problem it needs to solve. We work with you to understand your objectives, assess where technology can add value and shape a solution around your business needs. Understand the Business Need We begin by understanding your objectives, existing processes, challenges and the outcomes you want to achieve. Identify the Right Solution We assess where AI, automation or technology can create meaningful value and determine the most appropriate approach for your business. Design Around Your Requirements We translate the business need into a practical solution, considering functionality, workflows, users, data and scalability. Build & Bring It to Life Once the solution is defined, the appropriate technology capabilities can be brought in to develop and implement it, with the solution aligned to the original business objectives. Proof of Capability Bizpal Co-Pilot Your Intelligent Workplace Companion JomPlan AI-powered Malaysian Day Planner Who This is For Businesses scaling operations or digital capabilities Companies building internal systems or AI-enable tools Organisations operating across multiple markets or regions Firms looking to replace manual processes with automation How Technology Can Help Your Business Technology should create measurable value, not simply add another layer of complexity. We help businesses identify practical opportunities to use AI, automation and technology to improve how they operate, make better use of information and support sustainable growth. Improve Operational Efficiency Reduce repetitive manual work and streamline processes through automation and technology-enabled workflows. Make Better Use of Business Data Connect, organise and leverage business information to make knowledge easier to access and support more informed decisions. Strengthen Internal Capabilities Develop tools and systems that help teams work more effectively, improve consistency and support day-to-day business operations. Create Scalable Business Infrastructure Build technology platforms and systems that can adapt as the business grows, rather than relying on processes that become increasingly difficult to manage. Turn New Ideas into Practical Solutions Explore and develop technology-enabled solutions for new business opportunities, products, services or operating models. Exploring AI & Technology for Your Business 01 When should a business consider a custom AI or technology solution? A custom solution may be appropriate when existing tools do not adequately address a specific business requirement, or when a process involves significant manual work, fragmented information or operational complexity. The starting point should be the business problem and desired outcome, rather than adopting technology simply because it is available. 02 What types of business processes can AI and automation help with? AI and automation can support a range of business processes, including repetitive workflows, information management, internal knowledge access, data processing and decision-support activities. The appropriate application depends on the nature of the process, available data, business requirements and the potential value to the organisation. 03 What is the difference between an off-the-shelf AI tool and a custom AI solution? Off-the-shelf tools provide standard functionality designed for a broad range of users, while a custom solution can be designed around a business's specific processes, data, workflows and requirements. The right approach depends on the problem being solved; a custom solution is not necessarily appropriate where an existing tool can meet the need effectively. 04 How does Biji Deals approach AI and technology solutions? We start by understanding the business objective, existing processes and specific challenge before considering whether AI, automation or another technology solution is appropriate. We then help define a practical solution around the organisation's requirements, with the technical development and implementation capabilities brought in where required. 05 What is involved in developing a custom AI or technology platform? A custom solution typically involves understanding the business requirements, defining the functionality and workflows, assessing data and integration requirements, and determining the appropriate technology architecture. Depending on the solution, development may involve AI, automation, cloud infrastructure, system integrations and user-facing applications. Where technical development is required, this is delivered through our related technology company, Outsourcee.co . 06 Can AI be integrated into an existing business workflow? Yes. AI and automation can be incorporated into existing workflows rather than requiring a business to replace its entire operating model. The appropriate approach depends on the existing systems, processes, data and intended use case, with the objective of integrating technology where it can provide practical value. 07 How do I know whether AI is actually suitable for my business? AI is most useful when it addresses a defined business need and can create meaningful value. Before adopting it, businesses should consider the problem being solved, the availability and quality of relevant data, existing systems and workflows, integration requirements, users and the expected benefits. 08 Can Biji Deals support businesses in Malaysia and Southeast Asia with AI and technology solutions? Yes. Biji Deals supports businesses across Malaysia and Southeast Asia in identifying and developing practical AI and technology solutions. Our approach can support organisations at different stages, from identifying suitable use cases to shaping and developing a solution around their requirements. Ready to Put Technology to Work for Your Business? Let's explore practical AI and technology solutions that can improve how you operate, support growth and prepare your business for what's next. Phone Call Whatsapp Business Whatsapp Email Email Edit Request a Proposal

Trusted financial, operational and commercial due diligence support for Southeast Asia deals. Identify risks, validate value, and move forward with confidence with BIJI DEALS. PERKHIDMATAN KAMI Bringing clarity to the risks, opportunities and assumptions behind important business decisions. We help businesses and investors make informed decisions by identifying financial, operational and commercial risks across local and cross-border transactions. Our Due Diligence Approach Every transaction and investment has different considerations. We tailor the scope of our work to the nature of the business, the objectives of the engagement and the risks that matter most to the decision at hand. TYPES OF DUE DILIGENCE we provide: FINANCIAL DUE DILIGENCE OPERATIONAL DUE DILIGENCE Evaluation of internal processes, systems and operational efficiency to identify gaps and improvement areas. Review of financial performance, quality of earning and key risks to assess the true financial position of the business. COMMERCIAL DUE DILIGENCE Analyse market position, customer dynamics, and growth potential to validate the business strategy. INTELLECTUAL PROPERTY (IP) DUE DILIGENCE Assessment of intellectual property, ownership rights and potential risks related to intangible assets. ENVIRONMENTAL DUE DILIGENCE Identification of environmental risks, regulatory compliance issues and potential liabilities. Who We Support We support businesses, investors and professional advisors across Malaysia and the wider Southeast Asian market, including clients involved in local and cross-border transactions. Buyers & Acquirers Evaluate potential acquisitions and understand the financial, operational and commercial considerations before committing capital. Sellers & Business Owners Prepare for a transaction by understanding the strengths, risks and areas that may attract scrutiny from potential buyers. Investors Assess investment opportunities, challenge assumptions and identify risks that may influence an investment decisions. Law Firms & Transaction Advisors Provide independent financial, commercial or operational analysis that complements legal and other specialist transaction advice. Businesses Preparing for Fundraising Strengthen understanding of the business and its financial position before engaging potential investors. What Our Due Diligence Helps You Understand Our due diligence approach focuses on practical insights, not just reports, so you can act with confidence. Identify hidden risks before committing capital, reducing exposure to unexpected issues Avoid costly post-deal surprises through early risk detection Strengthen your negotiation position with clearer insights into the business Make faster, more confident decisions with structured and reliable analysis Understanding Due Diligence 01 What is the difference between due diligence and an audit? Due diligence and an audit serve different purposes. An audit provides an independent opinion on financial statements in accordance with applicable auditing standards, whereby due diligence is typically undertaken to support a specific investment or transaction decision. Our due diligence focuses on analysing the information available, identifying key risks and observations, and helping clients understand the potential implications for the transaction. 02 Who typically engages Biji Deals for due diligence? We support buyers, sellers, investors, law firms involved in M&A transactions, and companies preparing for fundraising. Our role can be adapted depending on whether you are evaluating an opportunity, preparing a business for a transaction or seeking an independent assessment before making an investment decision. 03 When should a business or investor consider conducting due diligence? Due diligence is particularly valuable before making a significant investment or transaction decision, including merger and acquisitions, business sales, fundraising, strategic investments and other investment decisions. It provides an opportunity to understand the underlying business, identify material risks and test key assumptions before proceeding. 04 What does financial due diligence cover? Financial due diligence can assess areas including historical financial performance, revenue and profitability trends, working capital, cash flow, net debt and debt-like items, financial projections and key financial risks or red flags. The objective is not simply to review the numbers, but to understand the financial position and matters that may affect the transaction or investment decision. 05 How is Biji Deals' approach to due diligence different? Our approach goes beyond a checklist of information requests. We apply professional skepticism to identify risks, challenge assumptions and investigate matters that may warrant deeper analysis. We also consider the commercial story behind the numbers, helping clients understand why financial or operational results appear as they do and what those findings could mean for the transaction. 06 Can Biji Deals work alongside our legal advisors or other professional advisors? Yes. We regularly work alongside law firms, management teams and other professional advisors involved in a transaction. Our role can complement their work by providing independent financial, commercial or operational analysis and helping bring relevant findings together for the client's decision-making process. 07 What does a due diligence report typically include? Due diligence engagements typically result in a formal report setting out relevant findings, observations and conclusions based on the information made available for the engagement. Depending on the scope, this may include analysis of financial performance and projections, commercial and market consideration, operational processes and risks, intellectual property matters, environmental considerations, key transactions risks and valuation commentary. We work closely with the client and, where relevant, their advisors to explain the findings, highlight matters that may require further consideration and discuss their potential implications for the transaction or investment decision. A due diligence report is not an audit or other form of assurance. Our findings are based solely on the information available within the agreed scope of work. 08 Does Biji Deals provide due diligence services across Southeast Asia? Yes. Biji Deals is based in Malaysia and supports clients across Southeast Asia and the wider region. Our experience includes engagement involving Malaysia, Singapore and Thailand, as well as cross-border work involving India. Make Your Next Decision with Greater Clarity Whether you're evaluating an investment, preparing for a transaction or raising capital, let's discuss how a tailored due diligence engagement can help you understand the opportunity and the risks that matter. Phone Call Whatsapp Business Whatsapp Email Email Edit Request a Proposal Leadership reshvinjeet singh Reshvinjeet advises businesses and investors on critical financial, growth and transaction decisions. With experience across transaction advisory and financial due diligence, he helps clients look beyond the numbers, identify risks, challenge assumptions and assess opportunities with a clear commercial perspective.

Business advisory services in Malaysia to improve performance, financial controls, and operational efficiency. Practical solutions to support sustainable growth. PERKHIDMATAN KAMI Helping Businesses Build Stronger Foundations for Sustainable Growth Biji Deals helps businesses strengthen the way they operate, manage risk and make decisions as they grow. We provide practical business advisory across operating models, financial controls, operational processes and risk management - helping organisations identify gaps, improve performance and build the foundations needed for sustainable growth. TARGET OPERATING MODEL Build an operating model that supports your strategy and growth ambitions. We help businesses translate strategic objectives into a clear operating structure, defining how people, processes, responsibilities and resources should work together to support the organisation's objectives. Our support can include: Target operating model design Organisational structure and responsibilities Process and workflow design Implementation roadmaps OPERATING CONTROLS & PROCESS IMPROVEMENT Make day-to-day operations more efficient, consistent and scalable. We review how key business process operate in practice, identify inefficiencies and control gaps, and develop practical improvements that can support more effective and scalable operations. Our support can include: Process reviews Operating control assessments Workflow improvement Process documentation Efficiency and cost improvement Implementation of practical process enhancements FINANCIAL CONTROLS & GOVERNANCE Strengthen financial visibility, controls and decision-making. We help businesses identify weaknesses across financial processes and controls, with a focus on improving the reliability of financial information, management reporting and decision-making. Our support can include: Financial control assessments Budgeting and forecasting process Management reporting Financial policies and procedures Control design and imrpovement Identification of financial and fraud-related control risks RISK MANAGEMENT Identify and manage the risks that could affect your business. We help businesses develop a more structured understanding of their key operational and business risks, supporting management in identifying appropriate controls and practical mitigation measures. Our support can include: Business risk assessments Operational risk management Risk and control frameworks Risk monitoring and reporting Business continuity considerations Risk mitigation planning Who We Support Advisory for Businesses Navigating Growth & Change We support businesses across Malaysia and the wider Southeast Asian market, particularly organisations navigating growth, expansion, operational change or increasing business complexity. Growing Businesses & SMEs Businesses looking to strengthen their operating foundations as they grow, improve performance or take on greater organisational complexity. Businesses Undergoing Change Businesses navigating restructuring, organisational changes, new leadership, new products or services, or significant changes to how they operate. Businesses Entering New Markets Organisations expanding into new markets or changing their operating model and requiring greater clarity around processes, controls, responsibilities and risks. Businesses Preparing for Investment or Transactions Businesses seeking to strengthen their financial, operational and governance foundations ahead of fundraising, strategic investment, a potential sale or other significant transactions. Turning Business Challenges into Practical Improvements Strong businesses need more than good ideas. They need the right structures, processes and controls to turn those ideas into practice. We help businesses turn identified challenges into practical improvements that strengthen performance, support better decision-making and create a stronger foundation for growth. 01 Strengthen Your Operating Model Create greater clarity around how the business is structured, how responsibilities are allocated and how different functions work together. 02 Improve Financial Visibility & Control Strengthen financial processes, reporting and controls so management has better information to support business decisions. 03 Make Operations More Effective Identify process inefficiencies, control gaps and unnecessary complexity, and develop practical improvements that make the business easier to operate and scale. 04 Manage Business Risks Gain a clearer understanding of key business and operational risks and establish appropriate measures to manage them. 05 Build for Sustainable Growth Strengthen the underlying foundations of the business so that its people, processes, controls and operating model can support its next stage of development. Business Advisory: What Businesses Need to Know 01 When should a business consider engaging a business advisor? Businesses may benefit from advisory support when they are experiencing rapid growth, entering a new market, restructuring operations, facing increasing complexity or preparing for a significant change. Advisory support can also help businesses reassess whether their existing operating model, controls and processes remain appropriate as the organisation evolves. 02 What does business advisory typically cover? Business advisory can cover a range of areas depending on the organisation's needs, including operating model design, financial controls, operational processes and risk management. The scope should be tailored to the specific challenges, objectives and stage of the business rather than applying a standard approach. 03 How can a business improve its operational efficiency? Improving operational efficiency starts with understanding how key processes work in practice. Reviewing workflows, responsibilities, controls and unnecessary points of complexity can help identify opportunities to improve how work is performed. The objective is to develop practical improvements that make operations more effective without creating unnecessary processes or bureaucracy. 04 What is target operating model? A target operating model describes how an organisation should be structured and operate to support its strategic objectives. It can consider areas such as organisational structure, roles and responsibilities, processes, governance and resources. A well-designed operating model helps provide clarity around how different parts of the business should work together as the organisation grows or changes. 05 Why are financial controls important for growing business? As business grows, informal processes that previously worked may become insufficient. Appropriate financial controls can help imporve the reliability of financial information, strengthen accountability, identify potential issues earlier and give management better visibility for decision-making. Controls should remain proportionate to the size, nature and complexity of the business. 06 How can a business identify gaps in its processes and controls? A structured review can examine how processes and controls are designed and how they operate in practice. This may involve reviewing documentation, workflows, responsibilities and existing controls, as well as discussing processes with relevant personnel. The findings can help management prioritise areas where improvements may have the greatest practical impact. 07 Can business advisory support a company preparing for investment or a transaction? Yes. Strengthening financial controls, operating processes, governance and risk management can help a business become better prepared for fundraising, strategic investment or a potential transaction. Business advisory can complement transaction advisory or due diligence by addressing underlying business matters that may need attention before or during a transaction. 08 Does Biji Deals provide business advisory services outside Malaysia? Yes. Biji Deals supports businesses across Malaysia and the wider Southeast Asian market, including organisations navigating growth, expansion and operational chane across markets. Where a client's requirements extend beyond our core expertise, we can also draw on our wider professional network where appropriate. Meet Your Advisers Business challenges rarely sit neatly within one discipline. Our founder-led approach brings together financial, commercial, operational, governance and risk perspectives to help businesses make better decisions and build stronger foundations for growth. RESHVINJEET SINGH Managing Partner Reshvinjeet brings experience across transaction advisory, financial due diligence and business advisory, giving him a strong perspective on financial performance, business risks and the commercial realities behind the numbers. He works with businesses to identify opportunities for improvement, strengthen financial and operational foundations, and navigate important business decisions with greater clarity. Meet Reshvinjeet ASHLEY MONTANO Risk & Compliance Partner Ashley brings experience across financial services and professional advisory, with a focus on governance, risk and financial crime compliance. She helps businesses strengthen their frameworks, processes and controls while considering how these requirements work within the realities of the organisation. Her practical approach helps businesses build structures that are proportionate, sustainable and effective in practice. Meet Ashley Build Stronger Foundations for What's Next As your business grows and evolves, the right structures, processes and controls can make all the difference. Let's disucss where your business could benefit from greater clarity and practical support. Phone Call Whatsapp Business Whatsapp Email Email Edit Request a Proposal

Practical AML/CFT and financial crime advisory for regulated businesses across Malaysia and Southeast Asia, tailored to your risk profile and business needs. AML/CFT & Financial Crime Advisory Strengthening Financial Crime Compliance with practical, risk-based advice Biji Deals helps regulated businesses and organisations strengthen their AML/CFT and broader financial crime compliance frameworks. We provide independent assessments, risk-based advisory and practical support tailored to each organisation's size, business nature, risk profile and operating environment. From assessing regulatory gaps and enterprise-wide risks to reviewing controls, designing policies and supporting AML/CFT technology adoption, we help organisations build compliance frameworks that are effective, proportionate and practical to operate. Our Key Services ENTERPRISE-WIDE RISK ASSESSMENT Identify and assess your organisation's exposure to money laundering and terrorism financing risks through risk evaluation across customers, products, geographies and channels segments. AML/CFT POLICY & PROCESS DESIGN Develop or enhance AML/CFT policies, procedures and workflows that reflect your regulatory obligations, business model and risk profile. AML GAP ASSESSMENT Identify gaps between your existing AML/CFT framework and applicable regulatory requirements, providing a clear basis for remediation. INDEPENDENT FRAMEWORK ASSESSMENT Independently assess the design and effectiveness of your AML/CFT framework through documentation review, sample testing, walkthroughs and discussion with relevant personnel. THEMATIC REVIEW Conduct focused review of specific AML/CFT risks, controls or processes (e.g., CDD/KYC, screening, transaction monitoring, etc) to identify weaknesses and areas requiring further attention. AML/CFT TRAINING Build practical AML/CFT awareness and capability through training tailored to employees, compliance teams, senior management and board members. AML/CFT SYSTEM ADOPTION Provide advisory support when assessing or adopting AML/CFT technology, helping align system capabilities with business requirements and control objectives. Financial Crime Compliance in a Changing Environment Financial crime doesn't stand still. The risks organisations face continue to evolve alongside technology, digital channels, new products/services and changing business models. AML/CFT remains a fundamental part of managing these risks, but organisations increasingly need to consider how broader financial crime risks intersect with their operations. WHO we supporT Financial Institutions Banks and licensed financial institutions regulated by BNM Fintech & Payment Service Providers e-Money issuers, payment gateways and digital financial service providers Insurance & Takaful Operators Insurance & reinsurance companies and takaful providers Designated Non-Financial Businesses & Professions (DNFBPs) Deals in precious metals and stones, legal professionals, company secretaries, accountants, auditors, casinos and real estate agents Non-Bank Financial Institutions (NBFIs) Money changers, credit community providers / money lending, pawnbrokers, jewelers and gaming community HOW WE HELP Our approach combines independent perspective, technical expertise and commercial understanding with practical, proportionate solutions tailored to each organisation's unique risks, objectives and operating environment. Strengthen compliance with local regulatory requirements and align with industry best practices. Minimise exposure to regulatory findings, penalties or enforcement actions through early detection. Enhance documentation, processes and controls to better withstand internal audits and regulatory reviews. Implement practical, risk-based solutions that are aligned to your business size and complexity without unnecessary operational burden. Understanding AML/CFT & Financial Crime Advisory 01 When should a business engage an AML/CFT or financial crime advisor? Businesses may benefit from advisory support when establishing, strengthening or reassessing an existing compliance framework, entering a new market, introducing new products or services, responding to regulatory changes, or addressing identified weaknesses. The appropriate level of support should reflect the organisation's size, business nature, risk appetite and/or profile and operating environment. 02 How do I know whether my AML/CFT framework is effective? A framework can be well documented without necessarily operating effectively in practice. We believe that an AML/CFT framework should be assessed not only against applicable regulatory requirements, but also against how its controls and systems operate in practice. An assessment on how key controls are designed and implemented can help management understand where controls are working as intended and where further improvements may be appropriate. 03 What is an Enterprise-Wide Risk Assessment (EWRA)? An EWRA, a.k.a. Institutional Risk Assessment (IRA) provides a structured assessment of an organisation's exposure to money laundering, terrorism financing and related financial crime risks. It considers relevant risk factors across areas such as customer, products and/or services, geographic exposure, delivery channels, together with the controls in place to manage those risks. The resulting assessment helps inform the organisation's broader AML/CFT risk management approach. 04 What is the difference between a 'Gap Assessment' and an 'Independent Compliance Framework Assessment'? A Gap Assessment primarily compares an organisation's existing AML/CFT policies, procedures and controls against applicable regulatory requirements to identify areas requiring remediation. An Independent Compliance Framework Assessment goes further by considering both the design and effectiveness of the overall AML/CFT framework. Depending on the scope, this may include documentation review, sample testing, walkthroughs and discussions with relevant personnel. 05 Can Biji Deals help us develop or improve our AML/CFT policies and procedures? Yes. We help organisations develop or enhance AML/CFT policies, procedures and workflows to reflect their regulatory obligations and how the business actually operates. Our focus is on creating documentation that is clear, practical and capable of being implemented, rather than policies that exist solely to satisfy a documentation requirement. 06 When would a thematic review be useful? A thematic review is useful when an organisation wants to examine a specific risk, control or process in greater depth rather than assess its entire compliance framework. It may be appropriate where management has identified a particular area of concern, wants greater assurance over a specific control, or wishes to focus on an area of heightened or emerging risk. 07 What should businesses consider when adopting an AML/CFT system? Technology should support the organisation's AML/CFT objectives rather than determine them. When assessing or adopting an AML/CFT system, businesses should consider factors such as functionality, suitability for their operating model, existing processes, risk exposure and ability to support effective controls. Biji Deals provides advisory support to help organisations evaluate these considerations and make informed decisions. 08 What AML/CFT training does Biji Deals provide? We provide AML/CFT training tailored to the responsibilities and needs of difference audiences, including general staff awareness, board and senior management, compliance teams, role-specific training and customised workshops. Training can be designed around the organisation's business and risk environment, with an emphasis on practical understanding and how AML/CFT responsibilities apply in day-to-day operations. Strengthen Your Financial Crime Compliance Framework Strengthen your framework and ensure alignment with relevant regulatory requirements. Phone Call Whatsapp Business Whatsapp Email Email Edit Request a Proposal Leadership ASHLEY MONTANO Ashley brings experience across financial services and professional advisory, with a focus on AML/CFT and financial crime compliance. She helps organisations translate regulatory expectations into practical frameworks and controls, with an approach that considers the organisation's size, business nature and risk profile. Her focus is on helping clients strengthen compliance while making frameworks practical, proportionate and sustainable.

Biji Deals provides deals advisory, capital raising and investor network support across Malaysia and Southeast Asia, helping businesses and investors navigate transactions with confidence. DEALS ADVISORY, CAPITAL RAISING & INVESTOR NETWORK Navigate Your Next Transaction with Greater Clarity Biji Deals supports businesses and investors across the transaction lifecycle - from preparing for a transaction and raising capital to structuring, negotiating and completing a deal. We combine financial and commercial analysis with practical transaction support, helping clients understand their option, prepare effectively and make informed decisions throughout the deal process. How We Help Preparation & Positioning Capital Raising & Investor Engagement Transaction Execution & Closing Build a stronger foundation before entering the market We help businesses prepare for fundraising, a potential sale or strategic investment by strengthening their positioning and financial readiness. Our support can include: Market research & positioning Business plan preparation Investor deck preparation Financial modelling & forecasts Business valuation & pricing strategy Turn an agreed opportunity into a well-structured transaction Once a transaction progresses, we support clients through the practical aspects of structuring, negotiation and execution, working alongside legal counsel and other key stakeholders where appropriate. Our support can include: Deal structuring Negotiation support Coordination with legal and other key stakeholders Review of transaction documentation to support the closing process Approach the right investors with a clear and compelling investment proposition We support businesses through the fundraising process, from developing the fundraising strategy to preparing for investor engagement and navigating discussions. Our support can include: Fundraising strategy & positioning Investor readiness Investor outreach Support during investor discussion & negotiations Coordination with private equity & strategic investors Who We Support Advisory for Businesses, Sellers & Investors We support businesses, founders, sellers, investors and professional advisors across Malaysia and the wider Southeast Asian market, including clients navigating local and cross-border transactions. Businesses & founders Preparing for fundraising, strategic investment or a potential sale. SELLErs Preparing the businesses, understanding its value and navigating a potential transaction. Investors & acquirers Assessing opportunities, understanding financial and commercial considerations and making informed investment decisions. professional advisors Working alongside law firms and other transaction advisors to provide financial and commercial support. How We Help You Move Through the Deal From Preparation to Completion A transaction can involve significant uncertainty, competing priorities and multiple stakeholders. Our role is to bring structure and clarity to the process. Prepare with Confidence Build the financial and strategic foundations needed before approaching investors or entering a transaction. Understand Value Use financial analysis, market considerations and valuation perspectives to establish realistic expectations. Identify the Right Opportunities Connect with relevant investors and opportunities aligned with your business, objectives and stage of growth. Challenge Assumptions Bring an independent perspective to financial and commercial information before important decisions are made. Navigate the Transaction Support deal structuring, negotiations and coordination through to completion. Access to Our Angel Investment Network For Businesses Access to relevant angel investors Increased visibility within a targeted investor network Support in positioning for early-stage funding For Investors Access to curated early-stage opportunities Insights supported by our deal advisory and due diligence experience Guidance on evaluating opportunities and managing risks angel investment tax incentive access our angel investment network Eligible investors may benefit from tax incentives offered by the Inland Revenue Board of Malaysia / Lembaga Hasil Dalam Negeri (LHDN), subject to applicable conditions. access now How This Helps You Position your business clearly with investors through structured materials, financial clarity and a compelling value proposition. Achieve a strong valuation Leverage data-driven insights and market positioning to support realistic and optimised deal pricing. Access the right investors and opportunities Tap into relevant networks to connect with investors aligned to your business stage and objectives. Navigate complex transactions with confidence Receive structured guidance across negotiations, deal structuring and execution. Reduce execution risk during deal process Ensure proper coordination, documentation and review to avoid delays or complications at closing. Understanding Deals & Capital Advisory 01 What should a business prepare before approaching investors? Businesses should have a clear understanding of their funding requirements, business model, growth strategy, financial performance and intended use of funds. Investor materials should present a consistent commercial and financial story, supported by realistic forecasts and a clear investment proposition. Preparing these elements early can help businesses approach investor discussions with greater clarify and confidence. 02 How can a business determine an appropriate valuation before fundraising or a sale? Valuation should consider the business's financial performance, growth prospects, market conditions, industry dynamics and the nature of the transaction. Depending on the circumstance, different valuation approaches may be relevant. Biji Deals can help businesses assess valuation considerations and develop a pricing or valuation perspective that supports their fundraising or transaction strategy. 03 What does an investor-ready business plan or investor deck need to communicate? An effective investor deck or business plan should clearly explain (but not limited to) the business, market opportunity, competitive positions, business model, financial performance, growth strategy, funding requirements and potential returns. The objective is not simply to present information, but to give investors a clear understanding of the opportunity, the assumptions behind it and the rationale for investment. 04 When should a business consider raising capital? Capital raising may be appropriate when a business requires funding to support expansion, enter new markets, develop products or services, strengthen its operations or pursue a strategic opportunity. The timing and type of funding should be considered alongside the business's objectives, financial position, growth plans and readiness to engage investors. 05 Can Biji Deals help businesses identify and approach potential investors? Yes. Biji Deals can assist with investor identification and outreach by helping businesses identify relevant investors based on factors such as investment focus, business stage and transaction objectives. Where appropriate, we can also leverage our investor network to facilitate relevant introductions. Investor interest and funding outcomes, however, depend on the business, transaction and investors involved. 06 What role does financial due diligence play in a transaction? Financial due diligence helps buyers and investors understand the financial performance, underlying earnings, cash flow, working capital, debt and other financial considerations of a business. It can identify risks or assumptions that may affect valuation, transaction terms or the investment decision. Biji Deals can provide financial due diligence as part of a wider transaction or alongside other professional advisors. 07 Can Biji Deals work alongside our lawyers and other transaction advisors? Yes. Transactions often involve multiple professional advisors with different areas of expertise. Biji Deals can work alongside legal counsel, tax advisors, corporate finance professionals and other specialists where appropriate, providing financial, commercial or transaction support within the agreed scope. 08 Does Biji Deals support transactions outside Malaysia? Yes. Biji Deals supports businesses and investors across Malaysia and the wider Southeast Asian market, including clients involved in local and cross-border transactions. Our founder-led approach allows us to work with clients and their professional advisors across different markets while drawing on our wider professional network where complementary expertise is required. Leadership reshvinjeet singh Reshvinjeet advises businesses and investors on financial, strategic and transaction decisions, with experience across financial due diligence and transaction advisory. He brings an analytical and commercially minded approach to understanding the risks, assumptions and opportunities behind a transaction. His focus is on helping clients see beyond the numbers, challenge assumptions and approach important transactions with greater clarity and confidence. Planning Your Next Transaction? Whether you're preparing to raise capital, evaluating an investment opportunity or navigating a transaction, let's discuss what you are looking to achieve and where we can add value. Phone Call Whatsapp Business Whatsapp Email Email Edit Request a Proposal

TENTANG BIJI DEALS Trusted Advisors for Businesses Making Important Decisions Pasukan Rakan Kongsi berpengalaman kami dan senarai yang semakin berkembang Pakar Perkara dari pelbagai industri utama dan bidang kepakaran sedia berkhidmat dan menambah nilai kepada keperluan anda. Pasukan Rakan Kongsi berpengalaman kami dan senarai yang semakin berkembang Pakar Perkara dari pelbagai industri utama dan bidang kepakaran sedia berkhidmat dan menambah nilai kepada keperluan anda. TENTANG BIJI DEALS Every business faces defining moments. Whether it's navigating regulatory change, evaluating an acquisition, raising capital, improving operational performance or preparing for growth, these decisions shape the future of an organisation. Throughout our careers, we worked alongside businesses facing exactly these moments. While the technical advice they received was often sound, we observed a recurring challenge - recommendations were frequently difficult to implement, engagement teams changed throughout the project, and advisory sometimes became focused on delivering reports rather than achieving outcomes. We believed businesses deserved a different experience. One where experienced advisors remain actively involved from the first conversation through to delivery. One where commercial realities are considered alongside technical requirements. One where success is measured not by the number of pages in a report, but by the confidence our clients have to make informed decisions and move forward. That belief became Biji Deals. Today, we continue to work alongside businesses, investors and regulated organisations as trusted advisors, helping them navigate complexity, seize opportunities and build stronger businesses through practical, commercially grounded advice. HOW WE THINK We understand before we advise No two businesses face the same challenges. Before recommending solutions, we invest time in understanding your objectives, operating environments and the decisions you're trying to make. We balance commercial thinking with technical expertise Advice should be technically sound without losing sight of commercial realities. We believe the best outcomes come from solutions that are both compliant and practical. We stay involved beyond the deliverables A report is rarely the finish line. We work alongside our clients to help implement recommendations, navigate challenges and create meaningful outcomes. We build relationships that last We value long-term partnerships over one-off engagements. Many of our client relationships begin with a single project and continue as businesses grow, evolve and face new challenges. TENTANG BIJI DEALS RESHVINJEET SINGH Reshvinjeet brings experience across transaction advisory, financial due diligence and business operations advisory, with a particular focus on helping businesses and investors navigate important financial and strategic decisions. His work is grounded in the belief that quality due diligence should go beyond reviewing historical financial information—it should uncover the risks, assumptions and underlying commercial realities that can materially influence a transaction or investment decision. Through Biji Deals, he is committed to bringing high-quality advisory to an underserved SME market, combining technical depth with the agility and accessibility of a boutique firm. Naturally inquisitive and professionally sceptical, Reshvinjeet takes the time to understand not only what the numbers say, but why they look the way they do. He enjoys identifying risks that may otherwise go unnoticed, challenging assumptions and understanding the wider business, market and industry context behind a decision. His approach is pragmatic and solution-oriented: when an issue is identified, he works with clients to understand its implications and determine how it can be addressed. Clients value his ability to bring an independent perspective, think beyond conventional approaches and provide the clarity needed to move forward with confidence. Ashley brings experience across both financial services and professional advisory, giving her a practical perspective on how financial crime compliance works not only from an advisory standpoint, but within the realities of a business. Her work focuses on financial crime compliance and helping organisations translate regulatory expectations into frameworks and processes that can be applied effectively in practice. Through Biji Deals, she is committed to making high-quality advisory more accessible, with the belief that practical, meaningful advice should be available to organisations regardless of their size or resources. Ashley is known for her practical and straightforward approach to solving complex challenges. She focuses on identifying issues early, finding workable solutions and providing clear guidance on what can realistically be achieved. She believes effective advisory is not simply about identifying gaps or producing recommendations; it is about helping clients understand the issue, navigate difficult decisions and take meaningful action. Her approach is grounded in professional integrity, clear accountability and a commitment to delivering advice that clients can rely on. ASHLEY MONTANO TENTANG BIJI DEALS Every engagement is an opportunity to understand your business, challenge assumptions and deliver advice that supports confident decision-making. Our approach is built around close collaboration, open communication and practical outcomes that create lasting value. When you work with Biji Deals, you can expect: Direct access to the advisors leading your engagement - so you'll always know who you're working with and who to contact. Clear, commercially grounded advice that helps you make confident decisions - not unnecessarily complex recommendations. Solutions tailored to your business , recognising that every organisation has different objectives, risks and opportunities. A collaborative approach that works alongside your internal team and trust advisors to deliver practical outcomes. Support beyond the final deliverable , because meaningful advisory often continues after the project is complete. TENTANG BIJI DEALS 01 How is working with a boutique advisory firm different from working with a larger consulting firm? The right advisor depends on the nature of your business and the support you need. Larger consulting firms often bring significant scale and global resources, while boutique firms offer a more personalised and hands-on experience. At Biji Deals, you'll work directly with the advisors leading your engagement from start to finish, allowing us to understand your business, respond quickly to changing priorities and provide advice tailored to your objectives. We also recognise that important business decisions often require perspectives from multiple disciplines. Through our trusted ecosystem of legal, financial, technology and industry specialists, we bring together the right expertise when needed - providing clients with coordinated, well-rounded advice while maintaining a single, trusted advisory relationship. 02 Do you support businesses outside Malaysia? Yes. While Biji Deals is headquarted in Malaysia, we support businesses, investors and regulated organisations across Southeast Asia. Our experience includes cross-border advisory engagements involving Malaysia, Thailand, Singaporean and regional businesses, enabling us to understand both local regulatory expectations and broader commercial considerations across different markets. 03 Can Biji Deals work alongside our existing advisors and internal teams? Absolutely. We regularly collaborate with legal counsel, auditors, accountants, technology providers and internal management teams. Our role is to complement your existing advisors by contributing specialist expertise, facilitating collaboration and helping ensure everyone is working towards the same business objectives. 04 What can we expect during our first conversation? Our first conversation is focused on understanding your business - not selling a service. We'll discuss your objectives, the challenges you're facing and what you're hoping to achieve. If we believe we can add value, we'll recommend the most appropriate approach and outline the next steps. If another solution would better serve your needs, we'll be transparent and tell you that too. 05 What types of organisations typically work with Biji Deals? We work with organisations at different stages of growth, from founder-led businesses and small-medium enterprises (SMEs) to regulated institutions, investors and established enterprises. Many of our clients are navigating important business decisions - whether strengthening governance, evaluating investment opportunities, improving operational performance or responding to regulatory obligations - and are looking for experienced advisors who combine technical expertise with commercial perspective.

Contact Biji Deals for AML compliance, due diligence, and advisory services in Malaysia. Reach out for enquiries, consultations, or request a proposal. Let's Start the Conversation Whether you're exploring an opportunity, managing regulatory obligations or planning your next stage of growth, we'd welcome the opportunity to understand your business and discuss how we can help. Because the most important business decisions should never be made alone. Phone Call Us Whatsapp Business Whatsapp Us Email Email Us LinkedIn Connect on Linkedin Edit Request a Proposal Anda juga boleh menghubungi kami dengan menggunakan borang ini: Nama pertama Nama terakhir E-mel Mesej Hantar Terima kasih kerana menghubungi! Kami akan kembali kepada anda tidak lama lagi.

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