John Chou Email & Phone Number

San Francisco, CA, US

San Francisco, California, US

Los Gatos, CA, US

Data Science & EngineeringPayments and Partnerships

Cupertino, California, US

iTunes Engineering - Fraud

San Francisco, California, US

• Provided actionable analyses and insightful reporting to drive reach, retention, and revenue for world’s largest online Poker game
• Developed reports and dashboards that give insights and easily interpretable data to wide range of strategic partners, including the studio’s GM, product managers, developers, QA, and customer support
• Tested hypotheses through A/B experimentation by analyzing whether changes to the user experience resulted in desired increases to targeted metrics
• Performed multiple ad hoc analyses that informed decisions on product and feature design

San Francisco, CA, US

• Conducted strategic analyses and developed reports to enable critical insights about Second Life economy and marketplace
• Developed methodology to identify and aggregate multiple accounts created by the same customer; presented findings to COO/CFO and secured approval for further refinement to better understand customer lifecycle behavior
• Designed query to retroactively calculate daily buy/sell depths of the Second Life virtual currency, solving longstanding problem within the company; resulted in ability to provide insight into health of Second Life.
• Created and analyzed metrics for virtual marketplace to measure its growth, optimize commission pricing, and improve email campaigns for selling of targeted goods
• Prepared reconciliation of monthly company-­‐wide financial statements for executives

San Jose, CA, US

• Responsible for testing/optimizing several eBay search products/features and driving improvements in user experience
• Led initiative to identify, analyze and address major customer service inquiries; proposed solutions to both product and processes to improve the overall customer experience
• Designed and implemented tests to optimize purchase activity and improve product search function throughout eBay marketplace sites globally
• Defined product requirements for keyword metrics dashboard, performed keyword-level optimization by directing traffic to various landing pages, and created structured process around manual review of top keywords to.
• Drove enhancements of several internal data tools by providing user feedback and proposed solutions

San Carlos, California, US

• Hired as management team member of financial services start-up, oversaw growth from 25 to 100+ employees
• Created risk department and established wide range of system controls to ensure data integrity across portfolio
• Designed and maintained all company dashboards, including real-time sales information, data from pilots with partners, and financial reporting for investors
• Expanded and improved credit line strategies to enhance company’s profitability and manage risk profile
• Assessed portfolio to improve credit underwriting decisions by performing static loan delinquency analysis
• Identified and corrected loan accounting errors to improve quality and accuracy of accounts receivable system

San Jose, CA, US

• Supervised, trained, and supported professional development of two direct reports
• Partnered with cross-functional teams to consolidate data across company and decrease overall losses (e.g., consumer protection program payouts, fraud, credit card chargebacks)
• Managed and improved month-end forecasting and booking models to reflect business changes and trends, enabling management team to allocate budgets and set aside appropriate loss reserves

San Jose, CA, US

• Managed and presented weekly metrics to global operations team to optimize staffing of customer service and fraud agents
• Tracked various loss trends (e.g., front-end decline rates, fraud queue effectiveness, buyer complaint claims, and credit card chargebacks) and recommended related policy and modeling enhancements
• Generated proactive leads for fraud investigation team, resulting in sizable loss reduction and dozens of criminal arrests
• Created reports to identify and limit fraudulent accounts based on predictive loss characteristics

San Jose, CA, US

• Performed analysis which enabled expansion of buyer protection programs
• Developed policy to enable raising of sending limits for unverified accounts, resulting in increased payment volume
• Compared effectiveness of third-party authentication solutions to increase payment options and provide instant verification for customers

Bozeman, Montana, US

• Built judgmental risk models based on financial data and decision-tree analysis
• Acted as testing liaison for development of new predictive modeling software, INFORM-NLP
• Segmented population and re-developed NextGen risk/credit scoring models for all three major credit bureaus
• Tested analytics behind Fair Isaac’s consumer credit scoring site, www.myfico.com

B.S., Mathematics

Education record