Michael Liu Email & Phone Number

Toronto, Ontario, Canada

● Led strategic management of accounting and finance functions, including monthly closes, quarterly reports and yearly strategy reports for stakeholders and investors.● Built new relationships by aiding in a successful $500k Seed Round, maintained and deepened existing investor relationships throughout the vesting period.● Developed business plans, growth strategies and goals for new product developments, including a blockchain-based decentralized exchange and automatic market maker.● Led and mentored finance personnel and other cross functional team members, set new targets and objectives, resulted in 20% payroll processing time reductions and 10% improved reporting accuracy.

Shanghai, China

● Streamlined credit risk framework and policy development, decreased NPL rates by 10% and achieved a target-exceeding 1.5% NPL rate, while overseeing a portfolio of complex commercial and mortgages totalling 3 Billion RMB ($600 Million CAD)● Oversaw risk controls and regulatory compliance; analyzed key risk factors, updated risk models, and stress tested to identify and mitigate impacts of negative performance trends based on internal and market challenges, and industry environments ● Leveraged in-depth expertise in credit risk framework to structure competitive credit solutions, including inputs on collateral valuation and syndication ● Managed and lead a team of 5 credit analysts, providing mentorship and guidance within the area of expertise of credit risk management

Changsha, Hunan, China

● Posted the best sales figures of all the intern sales teams that summer, achieving over ¥4.5 million CNY (approx. $750,000 CAD) in small business loans. ● Analyzed and streamlined existing loan application submission methods resulting in significantly decreased downtime. ● Strategic Thinking: decreased focus in the overly saturated market downtown and focused more in the suburbs, leading sales numbers to increase by 70% in a week. ● Hosted English lessons off hours for co-workers to help them become more competitive in an increasingly global market. Assisted in securing the transfer of $250,000 USD in savings from two English speaking clients. ● Trained six interns, stressing the importance of goal setting, planning and ethics. Two of the six interns stayed to become full time, solid performing employees of the bank with a strong customer service and sales ethics.

Toronto, Ontario, Canada

● Assisted the Regional Director in day-to-day tasks. Also worked on special projects with the three managers of Corporate Services in the Finance, IM/IT, and HR departments.● Corporate Services: Contributed as a member on various committees either on behalf or alongside the Regional Director to discuss various policies and their implementations.● Finance: Assisted the manager of the Finance department with the review of existing monthly budget reports, new budget implementations and forecasts.● IM/IT: Assisted the manager of the IM/IT department in completing and updating the Employee Performance Reviews. Also took part in the selection of two new IM/IT summer interns.● HR: Assisted the HR manager in selecting new contract, and full-time employees for employment. Prepped interview material and reviewed applications.● Special Projects: Assessed, evaluated and recommended potential locations for the 2011 Transport Canada Management Conference. Including proposal analysis, budget analysis and forecast, and field evaluations. Presented my decision to the board for final review.

Bachelor Of Management And Organizational Studies, Finance Specialization

Activities and Societies: Ivey AEO, Fitness Club Executive, Residence Soph (Frosh Leader), Investment Club, Snowboarding Club, Guitar.

Education record