• Provided insights on portfolios within the context of CIBC and the industry by designing and delivering analysis of various retail lending products such as indirect auto, Simplii and student lending products and capital market products• Developed new Custom Scorecard Strategies through scenario analysis and loss performance analysis across different segments to optimize the bank’s profitability• Massaged and analyzed large datasets using various statistic and analytical tools, such as SAS and MS Excel, to support production team for marketing campaigns such as Simplii Pre-approved Campaigns and Mortgage Cross-Sell• Produced monthly and quarterly regulatory reports on Auto lending and student lending portfolios . Conducted ad-hoc analysis on key risk indicators to identify emerging trends and risks(acquisition and fraud) to the business.• Monitored capital market portfolio (Mortgage Aggregation) and presented trends and root causes of risk metrics movements to both internal and external stakeholders• Performed stress testing on CIBC mortgage portfolios vs. third party mortgages (MCAP, Street Capital & Manual life) and presented results to senior management• Extracted, manipulated and analyzed data from different sources (mainframe, UNIX& Netezza) to draw insightful conclusions and provide recommendations to support new initiatives on automotive lending and student lending• Queried and collected data related to client’s total credit limit to perform analysis and provide recommendations to US mortgage acquisition team

• Prepared in-depth analysis related to the development of the new acquisition scorecard models• Provided analytical supports in testing PCF unsecured lending strategies newly implemented• Developed comparatively statistical analysis on various Mortgage Aggregation Portfolios• Worked with IT team to enhance and optimize data structure and data quality for enterprise data warehouse, which is the source for risk reporting, model development, and model execution• Monitored credit risk metrics to ensure compliance with credit policies, procedures, CIBC risk appetite

• Identified risk issues for the assigned asset classes (stocks, currencies, futures and options) by analyzing ad hoc reports and presented to executives• Explored and manipulated vast amounts of data to identify the abnormality in trading activities through statistical analysis (Regression analysis, etc)• Produced risk reports by detecting potentially manipulative trading activities that may alter stock prices and escalated issues to senior management for resolution• Designed and developed score models that classify the traders’ loss risks according to their past profit and loss performance• Ensured that all trading regulations and procedures are clearly documented, accurate and up-to-date• Developed ways(adding a new parameter “trade position” and developing scorecard) to enhance the efficiency of business processes and the effectiveness of decision making

• Provided online and phone call support helping trading managers cancel orders, clear stuck orders and cover open position • Conducted trading desk activities such as short request and covering overnight positions through various brokers, such as Morgan Stanley, Nomura and Instinet• Offered a superior client experience on every request to meet and exceed clients’ expectations, build loyalty and grow the business