Charles Yang Email & Phone Number

Austin, Tx, Us

New York, New York, Us

• Managed high-impact branded and cobranded credit card products across all customer segments and spanning Cash Back, Rewards, Travel, Retail, and Entertainment categories, collaborating with card networks to optimize transaction processing and introduce new payment features that elevated spending by 13%, account active ratio by 5%, and retention rate by 21%• Established fintech partnerships and APIs connecting core banking infrastructure with e-Commerce platforms, streamlining payment services from online card application to instant virtual card issuance; account acquisition grew 47% YoY• Launched new card products by negotiating 2 strategic cobranded partnerships, boosting customer acquisition (+23% MoM), net revenue (+14% MoM), and digital leads volume (+30% MoM) through effective go-to-market strategies• Headed a team of 5 to achieve 4X growth in incremental digital payments by partnering with Apple Pay, Google Pay, and other fintech platforms, redesigning payment schemes based on customer analysis, competitor research, and market insights• Led Agile project management to upgrade the rewards management system in collaboration with Engineering, Operations, Support, and Compliance, resulting in a 47% improvement in retention rate and a 34% reduction in redemption costs• Oversaw departmental budgeting efforts to allocate quarterly marketing dollars of $120MM+ based on product P&L projections co-produced with Finance, covering 18 payment products and 10+ fintech implementation projects

New York, New York, Us

• Digitized and automated the loan systems and platforms with Auto Approval project, leveraging banking database insights, customer spending patterns, and credit scoring algorithms to enable instant approval decisions; increased loan sales by 2.2X• Reduced loan application-to-disbursement time from 5 days to 15 minutes by redesigning end-to-end loan processing operations, including identity verification, account creation, pricing, underwriting, credit risk assessment, and disbursement• Implemented biometrics technology with Fintech project team to replace traditional identity verification processes and prevent identity fraud; collaborated with Finance to achieve target project NPV goals by reducing development costs by 35%

New York, New York, Us

• Designed Citi's new digital risk management system, automating transaction monitoring to reduce labor hours by 17% and improve BU efficiency by 18 FTEs, leveraging data-centric processes for optimization• Improved risk control processes for investment and card product sales, cutting manual reporting errors by 19% by redesigning the internal control framework and enhancing risk management disciplines across team work streams

New York, New York, Us

• Introduced investment-linked insurance products, negotiating bond investment components with fund houses based on internal risk and revenue models, reducing investment risk exposure by 33% while maintaining high returns• Onboarded new consumer product application systems, eliminating paperwork and simplifying application processes by 28%

Worldwide, Oo

• Determined client’s potential tax risk under the Automatic Country-by-Country Report Exchange mechanism and proposed corresponding action plans• Prepared Transfer pricing documentations and tax treaty benefit applications for major clients in securities trading industry who have cross-border and inter-group transactions.• Analyzed FATCA’s impact on client’s business to ensure full compliance in regulation and avoid potential penalties

Zhongzheng District, Taipei, Tw

• Covered local and international news stories on camera, including interviewing government officials and businesses.• Researched, fact-checked, and produced new stories suitable for both online media and traditional TV News channels• Used Premier software to edit and narrated news stories which featured on night-time news

Los Angeles, California, Us

Digitally Archived Holocaust survivor testaments to international databaseIdentified and solved quality problems in the archived film stock

Worldwide, Oo

• Assisted in conducting audits for major international companies in financial and technology industry• Helped to streamline client’s internal control processes and comply with local and international accounting standards

• Responsible for social media events promotion and bi-weekly E-newsletters

• Communicated with US suppliers’ billing department• Produced weekly reports using Excel spreadsheet

Master Of Business Administration - Mba, Specialization In Technology And Finance

Bachelor’S Degree, Accounting