• LL.B. (Hons), National University of Singapore (2012)
  • Admitted to the Singapore Bar (2013)

Elaine is actively engaged in a wide spectrum of domestic and cross-border litigation and arbitration matters. A significant part of her practice revolves around banking and financial, commercial and property disputes. She regularly handles bank-customer disputes, tenancy disputes, construction disputes, minority oppression disputes, claims for breach of commercial agreements, and tortious claims.

Elaine also frequently advises financial institutions on regulatory matters and investigations.

Elaine’s clients include major financial institutions such as Standard Chartered Bank, OCBC, Bank of Singapore, UBS AG, Bank of China, and ABN AMRO Bank N.V.. Elaine also acts for payment services companies, property developers, and public listed companies.

Elaine was placed on the Dean’s List in her first and final years in the National University of Singapore.

Prior to joining Drew & Napier in 2015, Elaine was an associate in the chambers of a renowned arbitrator, Dr Michael Hwang S.C., assisting him in the administration and conduct of complex international commercial arbitrations and investment arbitrations.

Elaine currently also serves on the Panel of Assessors for COVID-19 Temporary Relief.

Some of the matters in which Elaine has acted include the following:

  1. Successfully defended Standard Chartered Bank (Singapore) Ltd in the High Court and the Court of Appeal, against claims of breach of its duties to the customer in executing allegedly fraudulent remittance instructions (Major Shipping & Trading Inc v Standard Chartered Bank (Singapore) Ltd [2018] SGHC 4, upheld on appeal). The case involved complex issues of banking practice, digital forensics, and the applicability and effect of MAS regulations, guidelines and notices on a bank’s duty of care to its customers.

  2. Successfully defended MWA Capital Pte. Ltd. against a challenge, under section 23 of the Moneylenders Act, to the interest rates it charged under a loan (Evan Lim Industrial/Warehousing Development Pte Ltd v MWA Capital Pte Ltd and another [2019] 1 SLR 191). This was the first occasion that the Court of Appeal ruled on the construction of section 23. The case also involved novel issues of law, such as whether the creditors of the borrower were entitled to challenge the liquidator’s decision to uphold the loan under section 23. 

  3. Successfully defended a major payment services company against claims by multiple users in relation to alleged wrongful withdrawal of monies from their account. Elaine argued a number of interlocutory applications, including applications for unless orders, and succeeded in striking out the claims for the counterpartes’ failure to comply with discovery obligations. 

  4. Represented an Indonesian national in a SIAC arbitration against an Indian MNC, involving coal mining concessions in Indonesia. The quantum of the dispute is in excess of US$350 million. The case involved highly technical issues of Indonesian mining law, coal exploration and mining, and quantification of damages for loss of profits. 

  5. Advised a bank on potential civil liability arising from various regulatory breaches, including breaches of anti-money laundering regulations.


  • Member, Law Society of Singapore
  • Member, Singapore Academy of Law
  • Member, Criminal Legal Aid Scheme
  • Assessor, Panel of Assessors for COVID-19 Temporary Relief
  • Assisted in drafting the chapter on Defamation in Singapore Precedent of Pleadings (Sweet & Maxwell, 2015).
  • Assisted in drafting the chapter on Costs in Civil Litigation in Singapore (Sweet & Maxwell, 2016).
  • Assisted in the publication of Selected Essays on International Arbitration (2013) by Dr Michael Hwang S.C.