Edward Ma Email & Phone Number

Stamford, Ct, Us

Providence, Rhode Island, Us

Stamford, Connecticut, Us

Improved Credit Risk Sub-committee and Risk Committee's Reporting and Analysis processes • Initiated Synchrony (SYF) vs Industry credit performance comparison by leveraging Credit Bureau big data environment and Propelled cooperation with credit bureau to a new level by becoming No. 1 user of Credit Bureau's massive data warehouse• Identified higher risk segments of SYF on-book exposure for timely account management credit loss reduction before Covid-19 crisis• Analyzed SYF portfolio trends with SAS coding, discovered hidden risks reduced $ 10 MM credit card balance monthly and prompted company's action to stop revenue loss• Summarized key economic indicators and financial performance of top US banks' domestic credit card portfolios from SEC filings to assist SYF Board Risk Committee decision process• Created monthly Chartbook in Excel to visualize risk trends and outliers for presentation quality control

Norwalk, Ct, Us

Improve Enterprise Stress Testing, Capital Planning, Risk Appetite Statement and Risk Limits processes• Reviewed and challenged macro-economic metrics for EST models; ensured macro-economic variable forecasts in 36 countries covering firm’s significant exposure and unique risks• Analyzed, challenge and aggregate EST results submitted by businesses prior to executive reviews • Ensured closure of follow-up items after EST reviews with GECC C-Suite executives • Coded in SAS to implement idiosyncratic risk selection from 1000+ risks in ERM registry• Overlaid selected idiosyncratic risks on top of systemic stress for EST scenario design• Leveraged EST results for RAS risk limits setting and monitoring• Integrated EST results and analyses in Capital Plan for Broad approval and regulatory review• Reviewed regulatory EST guidelines and lead several projects to close gaps in current practices• Coded in VBA to customize Excel pivot tables to speed up analyses of EST model results• Directed risk managers and associates on data validation, coding and other value-added analyses

New York, New York, Us

Monitored regulatory and internal audits; assessed potential impacts from regulatory developments • Ensured timely closure of corrective action plans to address issues identified by auditors• Monitored regulatory landscape and assessed the potential impacts on Citi’s consumer portfolios• Ensured global consumer credit risk and fraud policies oversightConducted Basel II parameter review and assisted internal audits• Evaluated Basel II key risk parameters (PD, LGD and RWA) of the company’s mortgage portfolios; Assisted internal and regulatory audits on Basel II model methodology and results Monitored the performance of 1st and 2nd lien consumer mortgage portfolios• Reported key metrics in origination, delinquency and loss of owned and serviced portfolios • Identified high risk segments by analyzing internal and industry data (Credit Bureau)• Worked closely with management to evaluate potential asset sales/acquisition opportunities. • Designed the loss mitigation strategies such as loan modification and Home Equity exposure reduction

Generate monthly Risk corporate report for senior executives and maintain reserve modelsProvide key metrics on portfolio growth, delinquency, loss, fraud & collections in the monthly presentations to GEMA CEO, CFO, CRO and other senior executives covering credit cards, auto, personal loans in 10 P& LsCoordinate and review follow-up analyses and report-outs after the monthly senior executive reviewsCollaborate with Finance to set Reserves for GEMA's largest P&L using roll rate models

Mitigated strategic/reputation risks in vendor and partner selectionApproved/rejected partnership/deal proposals by evaluating the senior management stability, legal/compliance records, credit ratings, and financial statements of potential business partnersPerformed Due Diligence to evaluate M&A targets and select vendors in outsourcing process; Controlled operational risks through partnership profitability review and claims analysisAutomated SAS programs to report key drivers such as enrolls/cancels, upgrades/downgrades, and claims on club and insurance products; Identified high claim customers and profiled cancelled accounts to guide marketing and retention efforts; Monitored performance metrics of external service providersServed as resident expert of SAS and Unix Shell Programming; Demonstrated technical leadership

Designed and developed innovative products for Retailers and Venture Capitalists Conducted massive data mining and analyses on millions of credit card holders to capture consumer behaviors in hundreds of retailers; Generated up-to-date reports on merchant revenues and consumer shopping patternsAssisted statistical modeling processes and led the development of an automated modeling system, which can run million iterations of models to predict retailers' sales. Managed a team of two analysts; mentored the analysts and developed their technical skills Facilitated the upgrade of several UNIX servers which doubled the computing capacity of over 500 SAS users

Mclean, Va, Us

Led the implementation of credit card marketing strategies targeting millions of potential customersTailored product solicitations to customers' individual needs by analysis and segmentation; Developed the infrastructures for new marketing channels including installment loan, rebate and life style card programs Automated complex processes to improve team productivity; initiated several innovations that reduced human interventions and freed analysts from repetitive manual operations to more value-added analyses

Master Of Arts, Economics

Master Of Engineering, Systems Engineering

Bachelor Of Engineering, Management Information Systems