Michael Go Email & Phone Number

Taipei City, Taiwan, Taiwan

Philippines

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

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.
• 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.
• 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.
• 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.”

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.
• 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.

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.
• Led negotiations for Letter of Guarantees and Letter of Comforts for offshore subsidiaries of clients facing Citibank Taiwan Limited and Citigroup Inc.

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.
• 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.
• 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.

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.
• 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.

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.

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.

Harvard Business Analytics Program, Pass

Cohort 18

Bachelor Of Science, Major In Management Of Applied Chemistry, Minor In Chinese Studies, 3.45 Of 4

Activities and Societies: Anima Singers Management of Applied Chemistry Association Ateneo Lingua Ars CulturaHonorable Mention

Non Degree, Chinese Language And Literature, With Honors

Winter Camp for exemplary overseas Chinese students in ASEAN.

Free Lessons Online

Activities and Societies: Interactive Lessons OnlineLeadership & Management – Designing Organizational Structure with Profs. Joshua.