About APAFS
The Asia Pacific Association for Fiduciary Studies (APAFS) was formed by a forward
thinking group of fiduciaries from throughout the diverse geographical area of the Asia
Pacific region. It is a non-profit educational association with the aim of providing educational forums for fiduciaries in the region, so that they can better exercise prudent stewardship of
the funds entrusted to their care.

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Congratualations to the Winners |
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Erica Chong – 2006 Winner
Guam Community College
Major: Chemistry-Medical Sciences
Expected graduation: May 2010
Career goals: Pharmacist or Researcher
Honors: Mississippi College’s President’s List – Fall 2007; 4.0 GPA
Activities: Member of Phi Theta Kappa Alumni Honor Society at Mississippi College |
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Mayette Concepcion - 2007 Winner
Guam Community College
Currently deployed to Afghanistan, A. Co 1-294th IN, Guam Army National Guard, she is a SPC/E-4.
Her expected return to Guam is early December. |
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Joseph P. Villacrusis
Northern Marianas College
Major: AS Degree in Business Management
Expected graduation: May 2008
Experiences: U.S. Army Reserves 302nd Quartermaster 02/2007 – Present, Private First Class; Northern Marianas College 01/2007 – Present, Human Resources Work Study; Pacific Rainbow Inc. 05/2006 – 01/2007, Sales Person; CTSI Logistics 02/2006 – 05/2006, Container Coordinator; Pacific Oriental Inc. 01/2005 – 02/2006, Passenger Service Agent; Wells Fargo Financial,Inc. 09/2003 – 10/2005, Loan Processor II; Bank of Hawaii 03/1998 – 06/2003, Head Teller |
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