Grace Chow Email & Phone Number

Foster City, California, US

Launched Visa Deep Authorization (VDA). VDA is a new authorization transaction risk scoring solution tailored to better manage U.S. e-commerce payments, powered by world-class deep learning recurrent neural network model and petabytes of contextual data.

Foster City, California, US

Foster City, California, US

• Wallets Response: Supported strategy-led cross-functional effort to secure Visa as a funding source for wallet top-up / back-to-back transactions across SEA & India markets. Conducted detailed competitive / economic.
• New Zealand A2A: Worked with market team to assess options for Visa Account-to-Account solution; POC ‘live’ with local Payfac & bank, full commercialization decision pending
• Market Acceleration Plans for Vietnam & Taiwan: Led multiple workstreams (Product, Processing, MSA, Digital Partnership, CYBS, etc.) to define & size key growth pillars and initiatives to deliver double digit market.
• Japan Debit Processing Assessment: Worked with market team to assess strategic & financial value of Visa Japan debit processing service and secured leadership buy-in on path forward

Foster City, California, US

• Launched Fraud Risk Managed Services: Defined service offering and key deliverables, incl. SOPs, code templates and automated reports to optimize processes. Executed a successful pilot with a bank in Australia & New.
• Spearheaded automation efforts which have been rolled out globally: Developed dashboards, pricing calculators, automated reports which equipped team & stakeholders to identify new sales opportunities, track key metrics.
• Worked on regional client deals & pricing initiatives: Supported development & financial modelling of a multi-regional client and key pricing initiatives (incl. to drive adoption of fraud risk solutions)

Foster City, California, US

• Worked on development of an application fraud risk solution (VAIS), commercial launch in Jun’20: Neural network model built on proprietary centralized US database to target ~$10B annual application fraud losses faced.
• Built AI model to help issuers optimize fraud rules threshold: Built on decision tree; model uplifts fraud capture rate by ~36% with low false positive, outperforming a human analyst

Foster City, California, US

San Jose, CA, US

• Formed partnerships with data vendors / aggregators: Implemented API feed of credit data used to enhance credit models for underwriting prioritization decisions
• Automated reports & alerts (SAS) for merchants at risk of credit default: Based on chargeback rates, account balance, financial health – report was used for upper management decision making

Mountain View, CA, US

• Selected as one of 25 trainees (2017 cohort) for Google Squared Data & Analytics Program (a collaboration with Singapore's IMDA) undertaking 8 weeks of on-site training at Google in Web Analytics, Predictive & Text.
• Identify behavior of engaged audience, content partners, consumer sentiment and monitor campaign performance, using the Facebook API
• Building of Shiny (R) Dashboard to automate exploratory analysis of Facebook API data
• Web Scraping for data collection and analysis
• Automating of Excel Reporting using VBA, saving an estimated 12 hours of man-hours per month
• Championed the use of [m]Reports, a proprietary reporting (BI) platform by onboarding clients and customizing reports to client's reporting requirementsKey Achievements:(1) Data-Driven Crafting of Marketing.

Key Achievements:(1) Sales and Profit Analysis and Forecast ReportsI worked closely with the CFO to analyze interim sales and profit figures and prepared forecast report for management. Reports were used by management to evaluate the financial health of the group, company and individual outlet for budgeting and operational decisions.(2) Automated Manual.

Singapore, SG

Key Achievements:(1) Standardized Processes and Streamlined OperationsCreated and maintained excel databases. Documented Operations flowchart to identify operational bottlenecks and participated actively in management meetings to discuss ways to improve operations.