Kar Wai

Project manager for insurance and financial services systems, now building systems that AI agents run.

18+ years taking commission, claims, data and portal platforms from proposal to stable production for insurers, regulators and agency networks. PMP-certified since 2013.

18+ yearsin systems delivery
6 insurersand 29 agencies onboarded
~7,000 agentspaid through my last platform
2 AI buildslive in production, 2026

Selected work

Recent AI-built systems first, then the platforms behind my insurance career. Demo screens use fictional data.

Freelance · 2026 to present · AI operations

Property Rental Management System

A rental business that runs itself. An AI agent called Rental Ops manages a ~30-property Malaysian portfolio day to day, and the owner works with it over Telegram.

  • Dashboard: one offline HTML file with owner switcher, MTD/YTD financials, aging, renewals, complaints and rent-rate review flags.
  • Monitoring and alerts: morning brief, day-7 and day-21 overdue checks, renewal triggers, Urgent Alerts topic.
  • Letters on the owner's letterhead: overdue notices, renewal and extension letters.
  • Every uploaded and generated document synced to Dropbox, downloadable from the dashboard.
  • Government, utility and maintenance bills read from scans, with payables, usage alerts and missing-bill reminders.
  • Built and run with a five-role AI team I directed: analyst, builder, QA, QC and web design.
~30properties under management
20+scheduled jobs
1,000+automated tests
15+versioned releases
PRMS dashboard with fictional data: overview KPIs, financial performance and outstanding payments

Fictional data. Open the showcase to try the live dashboard, Telegram flow, letters and architecture.

Freelance · 2026 · Web

JS Star website

A one-page website for JS Star, a Klang Valley waterproofing contractor, built to turn visitors into WhatsApp enquiries.

  • Three languages (English, Bahasa Malaysia, Chinese) on one page.
  • Services, past projects and gallery, with a floating WhatsApp and call button.
  • Tuned against Google Lighthouse for load speed and Core Web Vitals.
  • Built with Claude Code; pushes to GitHub deploy automatically to Hostinger.
Claude CodeGitHubHostingerHTML / CSS / JS
jsstar.com.my
JS Star website home page: waterproofing specialist hero with WhatsApp and call buttons
JS Star website on a phone

One Two One Advisor · 2018 – 2026 · Insurance SaaS

ALC agent commission platform

I ran the platform life insurers and agency networks use to calculate and pay agent commission, from presales and onboarding to go-live and production support.

  • Grew the portfolio to 6 insurers and 29 agencies.
  • Led a team of 5: 3 developers, an infrastructure engineer and a support specialist.
  • Also delivered the FIDE FORUM website and member systems revamp.

Portfolio, 2023

Per-agent subscription model

Agents on the platform~7,000
Annual premium (APE) covered~RM172M
Commission processed a year~RM70M
Annual recurring revenue~RM1.4M

Earlier projects

2014 – 2016

Data management & MI framework

A data quality and management-information programme for client, claims and agent data. Five new data marts feeding management reporting across the business.

Prudential Assurance Malaysia, project manager
2014 – 2016

Agency & Hospital Medical portals

Web portals for Prudential's agency force and its hospital panel. Agents and panel hospitals served through dedicated portals.

Prudential Assurance Malaysia, project manager
2007 – 2012

Motor Knock-for-Knock claims portal

An industry portal that lets motor claims systems from different vendors exchange Knock-for-Knock enquiries. Hosted by MRC Malaysia, which uses it for industry reporting.

PAC Total Solutions, product manager
2007 – 2012

Workshop Classification System

A platform for insurers and administrators to rate collision workshops and select panel workshops. A shared rating basis for panel workshop selection.

PAC Total Solutions, product manager
2012

Emirates Vehicle Gate

A vehicle claims gateway for the UAE, modelled on Malaysia's motor claims processes. Scope extended to Ministry of Interior police and road transport portal services.

Heitech Padu, senior business analyst
2018 – 2026

FIDE FORUM website revamp

New website and member systems for FIDE FORUM, the directors' education body for financial institutions. Members register and renew online on an upgraded platform.

One Two One Advisor, project manager

Experience

Seven roles since 2007 across insurance technology, financial services and government projects. Open a role for detail.

2026 – Present

Freelance Consultant, AI-built Systems

Independent

Design and deliver business systems built with AI, from requirements to live deployment.

  • Property Rental Management System (PRMS): AI-operated rental operations for a ~30-property Malaysian portfolio, run by a Rental Ops agent on the Hermes platform with 20+ scheduled jobs and Telegram access for the owner.
  • PRMS features: offline dashboard (owner switcher, MTD/YTD financials, aging, renewals, complaints, rent-rate review), daily monitoring and Telegram alerts, overdue and renewal letters on owner letterhead, invoices and receipts, and a Dropbox-synced document log. Building costs: government, utility and maintenance bills read from scans, payables, usage alerts and missing-bill reminders.
  • Ran PRMS with a five-role AI build team (analyst, builder, QA, QC, web design) over 15+ versioned releases with regression testing.
  • JS Star website (jsstar.com.my): one-page trilingual (EN / BM / 中文) site for a waterproofing contractor, built with Claude Code, tuned for Lighthouse performance, auto-deployed from GitHub to Hostinger.
2018 – 2026

Project Manager (Portfolio Lead)

One Two One Advisor Sdn Bhd

Overall in charge of the Agency Leader Corporation (ALC) system, a life insurance agent commission processing platform: commercial strategy, insurer and agency onboarding, go-live and production support.

  • Owned end-to-end delivery across presales, development, integration and support for the ALC portfolio.
  • Grew the portfolio to 6 insurers and 29 agencies covering ~7,000 agents.
  • Platform processed ~RM70M in annual commission against ~RM172M APE (2023).
  • Generated ~RM1.4M in annual recurring SaaS revenue on a per-agent subscription model.
  • Led a cross-functional team of 5 (3 developers, 1 infrastructure engineer, 1 support specialist).
  • Also delivered the FIDE FORUM website revamp: director registration, membership renewal, database consolidation, Kentico upgrade and member API.
2014 – 2016

Project Manager

Prudential Assurance Malaysia Berhad

Led a project team under the MIS & Portal pillar, delivering a strategic web portal project and the Data Management & Management Information Framework (DMMIS).

  • Ran data assessments on client, claims and agent data using IBM QualityStage.
  • Built new SAS data marts for Customer & Marketing, Claims, Agent, Finance, and Agent Commission & Incentive.
  • Delivered the Agency web portal and the Hospital Medical portal; migrated the SAS data mart to a server version.
2014

Project Manager

IBM GDC Malaysia

Managed software and hardware implementation projects for the EMEA region team.

  • Led a software and workstation migration for a client in Australia.
2012 – 2014

Project Manager & Business Analyst

Educational Trend Sdn Bhd

Oversaw all project implementation across education and commercial clients: portals, LMS, websites, mobile apps and open-source customisation.

  • IRDA: built a WordPress microsite for the Expatriate Support Service, integrated with osTicket.
  • IRDA and Iskandar Malaysia: revamped site layout, design and sitemap for easier information access.
2012

Senior Business Analyst

Heitech Padu Berhad
  • Emirates Vehicle Gate (Abu Dhabi): wrote the blueprint proposal, schedule and gap analysis; led the first pilot, based on Malaysia's motor claims processes. Scope expanded to Ministry of Interior portal services.
  • JPJ MySikap: requirements, BRDs, UAT, training and rollout for the myIdentity integration.
2007 – 2012

Product Manager

PAC Total Solutions Sdn Bhd

Managed Malaysia's industry-wide motor claims estimating system, in line with BNM and MRC requirements.

  • Built the Workshop Classification System used by insurers to rate and select panel collision workshops.
  • Built the Motor Knock-for-Knock (KFK) Claims Portal, hosted by MRC Malaysia for industry reporting.
  • Localised the estimating system for Indonesia and Singapore; moved Australia's legacy system to the web (Flexiquote).

Capabilities

Delivery discipline from 18 years of regulated projects, combined with AI tools that shorten the build.

Delivery

  • Project & programme management (Agile, Waterfall)
  • Presales & solution design
  • Go-live & production support
  • Vendor management

Domain

  • Agency commission / compensation (ALC)
  • Motor & non-motor claims
  • Insurer & agency onboarding
  • BNM / MRC compliance

Data

  • Data assessment & quality
  • Data mart implementation
  • Management information frameworks

AI delivery

  • AI-agent operations (Hermes Agent, OpenClaw)
  • Multi-agent build teams (BA, build, QA, QC)
  • Claude Code
  • Telegram automation

Tools

  • Claude Code
  • Hermes Agent
  • OpenClaw
  • GitHub
  • Hostinger (AI-assisted deployment)
  • MS Project
  • MS Visio
  • IBM QualityStage
  • SAS Office Analytics
Project Management Professional (PMP), PMI2013
Degree in Computing, APIIT2003
Higher Diploma in Software Engineering, APIIT2001
Diploma in Computing (IT), APIIT2000

Hiring a project or delivery lead?

contact@karwai.me
© 2026 Kar Waikarwai.me