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 economy and enable accurate projection of future virtual currency sales• 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 ensure intuitive and consistent user experience • 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