Michael Go

Michael Go Email and Phone Number

VP | Head of Credit Operations • Strategy • Support @ Metrobank
Taipei City, Taiwan, Taiwan
Michael Go's Location
Taipei, Taipei City, Taiwan, Taiwan, Province of China
Michael Go's Contact Details

Michael Go work email

Michael Go personal email

About Michael Go

Michael Go is a seasoned Banker (Licensed Associated Person by NFA Swaps) with extensive experience in Credit Risk Management of Financial Institutions - Banks, Brokers/Dealers, Insurances, Asset Managers, Funds and Pension Funds, Virtual Transfer Network and Payment Systems Risk Management (incl. FinTech). He has also deep knowledge on Balance Sheet and Liquidity Management of Consolidated Banking and BD Group franchises. He had negotiated the ISDA/CSA terms of various contracts that had allowed for substantial reductions in CVA and credit risk capital charges. He was crucial in achieving the local franchise's targets, deepening relationship with both internal and external stakeholders, whilst contributing to the increased returns to shareholders. He had acted as the local franchises’ FIG Business Unit Manager, which saw his existing Risk and Capital Management roles expanded to include managing Legal, Compliance and Regulatory Risks.He is also knowledgeable in various banking products, including but not limited to, Asset Custodian, FX and Onshore/Offshore Remittances of TWD/USD, Securities Lending, Agency Securities Lending, KYC Processes on Formosa Bond Issuance of Foreign Issuers. ***敝姓施,名純發,為菲律賓華僑,精通英文、中文及菲語。在花旗銀行工作的十年間,除培養出誠正的道德操守、專精整體經濟學及金融市場,亦具備對於金融產品的專業認知與分析能力。從財報建模和分析、信用、市場、作業,到法尊、防洗風險管理、客戶及ESG管理,已輪調並歷練過最主要的企業風險管理工作。此外,亦曾轉調成為客戶關係經理人,對外不僅有密切的客戶來往,對內也與總部,亞洲區,和台灣高層有過緊密的合作關係。在2021年獲得花旗全球金融同業處最佳行員及台灣首位得獎者。***He is currently trading short on Taiwan hardwares and long on softwares and creatives.***He remains active in playing PC games, such as, Defense of the Ancients 2 "DOTA2", playing Shadow Shaman or Rhasta. He is one of the best players of Rhasta. Check "Noobita" or Steam ID: 239221801.

Michael Go's Current Company Details
Metrobank

Metrobank

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VP | Head of Credit Operations • Strategy • Support
Taipei City, Taiwan, Taiwan
Michael Go Work Experience Details
  • Metrobank
    Vp | Head Of Credit Operations • Strategy • Support
    Metrobank
    Taipei City, Taiwan, Taiwan
  • Metrobank
    Vp | Head Of Credit Operations • Strategy • Support
    Metrobank Jun 2024 - Present
    Philippines
  • Metrobank
    Vp | Head Of Credit Policy • Process • Portfolio Management
    Metrobank Nov 2022 - Jun 2024
    Manila, National Capital Region, Philippines
    Digital Transformation of Wholesale CreditCredit Process Design and ReengineeringCredit Policy Design, Review and StreamlineIndustry Broadview and SpecializationManager, Coach and Mentor
  • Citi
    Avp | Relationship Manager • Financial Institutions
    Citi Aug 2020 - Sep 2021
    Taipei City, Taiwan
    • Facilitated the opening of SEK, GBP and CHF correspondent bank accounts of several Taiwanese banks with Citibank London, as they faced the closure of their existing accounts with Swedbank. Together with the transactional banking teams, we handled the requests of several Taiwanese banks on a timely basis with Mandarin-English translation services provided, enabling uninterrupted FX payments and remittance services of their clients in the Euro zone and vice versa. • Integrated a Taiwanese D-SIB bank's ASEAN + India cross-asset platforms with one-stop solutions in corporate finance, investments, global custody, liquidity, FX and derivatives hedging. Additionally, executed a seamless auto-settlement for both its USD and IDR cash flows with embedded regulatory checking outsourced to Citi Indonesia Custody and Treasury Operations. • Pitched Citi’s USD correspondent bank capabilities to all three digital challenger banks (LINE, Rakuten and Next Bank) in Taiwan. It also included discussions on KYC and Risk due diligence, AML and potential questions to be raised by Central Bank.• Mentored Citi’s Management Associates and more junior members of the team with regular trainings in various topics across legal, compliance, credit, policy, product and operations.• Won Citi’s Financial Institutions Group Leadership Award in February 2021 for “Being the Best for Clients.”
  • Citi
    In-Business Risk And Business Unit Manager
    Citi Aug 2019 - Sep 2021
    Taipei City, Taiwan
    • Acted as the Business Unit Manager responsible for escalations on internal audit findings and control lapses across various legal vehicles and entities across the institutional client group business.• Fixed the valuation together with Balance Sheet and Liquidity Management and Finance Controller on interbank placements on both TWD and USD investment exposures which were subsequently transmitted to HQ for U.S. SEC filings (10K, Y, etc).• Recommended and right-sized market and product specific facility limits for Risk approval. Products are as follow: loans, letters of credit and SBLCs, FX remittance, intraday clearing, asset custody, securities lending, agency securities lending, electronic equities and exotic equities in advanced economies and emerging markets, par loan trading and distressed loan trading, futures and OTC clearing, FX, rates, credit derivatives and options.
  • Citi
    Assistant Relationship Manager – Financial Institutions
    Citi Apr 2019 - Sep 2021
    Taipei City, Taiwan
    • Assisted the execution of offshore ISDA and CSA contracts of two life insurance companies (one DF-compliant and one non-DF compliant) facing Citibank N.A. for NDF hedging of their overseas investment.• Executed onshore repo agreement with Citi Taiwan facing three of the largest securities companies in Taiwan.• Assisted in the Formosa Bond issuance of a Japanese banking conglomerate with timely completion of its KYC and account opening.• Led various difficult AML discussions with banking clients with issues on their correspondent banking flows – particularly on Tri-Party flows with different cash flow and trade flow, virtual currencies, and undisclosed payment intermediaries. • Led negotiations for Letter of Guarantees and Letter of Comforts for offshore subsidiaries of clients facing Citibank Taiwan Limited and Citigroup Inc.
  • Citi
    Credit Risk Officer - Financial Institutions
    Citi May 2018 - Jul 2019
    Taipei City, Taiwan
    • Granted $2.5MM in approval authority for financial institutions – Risk CO.• Identified issue of lack of entitlement access in credit systems for users outside of Taiwan to view non-restricted Taiwan data. Modified the entitlement access logic, in partnership with Finance and Risk Infrastructure that allowed traders to view credit limits, independently, without private-side data access. Improved their response time in trade execution and reduced occurrence of active trade violation. • Conducted series of policy, credit risk and system trainings to risk, relationship bankers and product partners. • Mentored interns and MAs, accomplishing various impactful projects: 1) Understanding Insurance Companies’ Risk Based Capital Framework, 2) Effects of FX Hedging of Insurers on Their Profitability and 3) Risk Rating Adjustment Standardization. • Cross-trained in Singapore’s Real Estate banking, completing two complex annual reviews and Singapore’s portfolio review deck, substantially reducing their backlogs in a month’s time.
  • Citi
    Risk Analyst – Financial Institutions
    Citi Apr 2015 - Apr 2018
    Taipei City, Taiwan
    • Prevented settlement default of a platinum client’s Taiwan subsidiary with the local stock exchange, through extension of a short-term loan to gap their funding need; the credit approval to loan drawdown was completed in 36 hours. Loan was repaid. • Escalated to senior management the franchise risk involved in various deals inked, such as the Taiwan Stock Exchange and Singapore Exchange Stock Connect through Global Link Securities (now defunct). • Enhanced risk spreadsheet models that reduced 70% of the time spent and financial modelling errors. • Attained minimal audit comments from Management Control Assessments, Fundamental Credit Reviewers, Internal and External Auditors, exemplifying strong responsible finance and high integrity behaviors. • Renewed the Target Market and Risk Acceptance Criteria of Taiwan FIs, defining the risk appetite with these clients. • Reconciled discrepancies between securities lending portfolio and risk reports across various tech support teams.
  • Citi
    Risk Analyst – Financial Institutions
    Citi Aug 2013 - Mar 2015
    National Capital Region, Philippines
    Prepared credit annual reviews of Taiwan and Hong Kong Financial Institutions, China Government and Public Sector, Australia and New Zealand Money Market Funds and Pension Funds.
  • Citi
    Risk Analyst – Corporates
    Citi Jun 2012 - Jul 2013
    National Capital Region, Philippines
    • Initiated the New Hires Onboarding Manual that provided a comprehensive guide of all policies, processes and system.• Coordinated the Asia Debt Rating Model with New York risk rating team and Asia senior credit officers. • Ran the DRM by manually spreading the financials of Asia Pacific corporate clients and achieved minimal error rate.

Michael Go Skills

Financial Analysis Forecasting Risk Management Credit Analysis Accounting Credit Risk Data Analysis Industry Research Risk Models Term Loan Spreads Mandarin Financial Translation Microsoft Office Training Research Analysis Management Finance Portfolio Management Financial Risk Credit Banking

Michael Go Education Details

Frequently Asked Questions about Michael Go

What company does Michael Go work for?

Michael Go works for Metrobank

What is Michael Go's role at the current company?

Michael Go's current role is VP | Head of Credit Operations • Strategy • Support.

What is Michael Go's email address?

Michael Go's email address is mi****@****hoo.com

What schools did Michael Go attend?

Michael Go attended Harvard Business School, Ateneo De Manila University, Huaqiao University, Harvard Business School.

What are some of Michael Go's interests?

Michael Go has interest in Chorale Singing, Volleyball, Playing Piano, Research, Layout, Trainings, Painting, Chemistry, Analyzing.

What skills is Michael Go known for?

Michael Go has skills like Financial Analysis, Forecasting, Risk Management, Credit Analysis, Accounting, Credit Risk, Data Analysis, Industry Research, Risk Models, Term Loan, Spreads, Mandarin.

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