Byron Cheung Email & Phone Number

New York, New York, Us

Serve as Global Cross-Border Receivables Product Head to lead a cross-regional team focused on the ideation, build, commercialization, and strategic vision of Citi’s new Digital Cross-Border Receivables/Collections solution▪ Developed and launched, from 0-to-1, Citi’s first automated cross-border B2B, C2B, and C2G accounts receivable/collections solution▪ Drive product development and innovation through: a) partnerships with Citi FX, b) management of fintech partners, and c) continuous assessment of client needs, use cases, and market offerings with product and sales partners▪ Evaluate, engage, and assess fintechs, in collaboration with the Partnerships & Innovation team, to determine strategic product opportunities (e.g. buy, build, partner) across various regions within the Payments & Receivables business▪ Collaborate with 2nd and 3rd line of defense functions (e.g. Legal, Risk, Compliance) to maintain a strong risk and controls environment, while also seeking new opportunities to grow and expand product capabilities and use cases

New York, Ny, Us

Led effort to conceptualize and build an integrated digital consumer bank within the Wealth Management and U.S. Banks businesses for Mass Market (E*TRADE), Emerging Affluent, and Mass Affluent customers ▪ Designed and executed on the development of a digital bank minimum viable product (MVP) that includes banking (checking and savings) and brokerage products, as well as personal financial management tools▪ Developed interim and target operating models for E*TRADE checking products, in preparation for their integration with Morgan Stanley, in order to ensure product alignment across both firms, and competitiveness in the market▪ Developed strategic roadmap for product rollout and future enhancements leading to its aligned North Star

New York, Ny, Us

Serve as an internal strategy consultant for American Express's Global Consumer, Commercial, Network, and Merchant businesses ▪ Consumer: Spearheaded strategic planning of new product launch in China via cross functional management of 8 teams (30 American Express colleagues) in the U.S., U.K., and Australia ▪ Consumer: Drove growth and marketing strategy for a newly launched consumer digital product, MyCredit Guide, with the overall goals of driving enrollment and increasing new account acquisitions ▪ Consumer: Developed strategy to enhance lending capabilities, drive lending engagement, and increase spending on products for prospective customers in the U.S. consumer credit cards business▪ Commercial: Redesigned and restructured an $80 billion enterprise commercial card business through the development of new customer segments and an enhanced operating model for account development, sales, and customer service

New York, New York, Us

Developed and led the internal assessment and approval processes for new and renewal of material extensions of capital to clients in the Middle Market ($50 million -$750 million) and Global and National Industries ($750 million - $3 billion) segments▪ Monitored, managed, and optimized the US Commercial Bank portfolio using risk-adjusted metrics (Return on Risk Capital and Return on Basel 3 Capital) through the administering of quarterly “red zone” approvals, as well as tracking of “performance vs. promise” on all wholesale credit relationships▪ Ideated and designed initiatives to strengthen client performance system through end-to-end process reinvention and technology innovation to drive efficiencies across the global business▪ Partnered with banking, product, and risk teams across the U.S. to ensure that capital was allocated in alignment with the business’ overall strategy through appropriate facility, deal, and relationship modelling▪ Completed training programs: Commercial Credit College (May – July 2017), Leveraged Lending Matters (January2018), Commercial Intermediate Risk (March 2018), Derivatives Counterparty Credit Risk (May 2018)

New York, New York, Us

New York, New York, Us

Partnered with Citi's Treasury and Trade Solutions (TTS) business to launch various institutional cash management and trade products onto Citi's Commercial Banking business

New York, New York, Us

Internal strategy consultant for Citi’s U.S. Retail Banking & Wealth Management business- Developed strategic insights to build and maintain Citi’s market position within the mass affluent client segment (Citigold) through market and industry trend analysis, sales and product research, and competitor analysis- Conducted deep-dive analysis, and made subsequent recommendations, on opportunities for proposition upgrades through branch network, online, and over the phone to further penetrate existing client relationships

New York, Ny, Us

• Conducted experimental and analytical research on HIV/AIDS for further development of more potent and cost-efficient anti-HIV inhibitor drugs• Co-authored two research papers on HIV/AIDS and the H1N1 Swine Flu Virus in the Journal of Biological Chemistry and PLoSOne, respectively • Helped prepare PowerPoint presentations for weekly departmental and monthly institution-wide lab meetings

New York, Ny, Us

• Acted as chief liaison between editors at the Polytechnic Institute of NYU’s student newspaper, The Polytechnic Reporter, and with editors at NYU’s own student publication, the Washington Square News, to create synergistic opportunities that would increase the efficiency in which stories could be reported on on both campuses• Participated in daily budget meetings to determine stories for publication in the next day’s newspaper• Managed a group of student writers in pitching, writing, and editing stories related to the Polytechnic Institute• Improved student writing through one-on-one editing sessions

Ba, East Asian Studies

Master Of Business Administration (M.B.A.)

Bachelor Of Arts (Ba), East Asian Studies

High School, Math And Science