(1) I am responsible for designing and building risk control models for fraud detection and suspicious transaction identification. The model data is based on the due diligence of customers and the behavior analysis of groups, including market industry data, personal financial data, behavior statistics data, etc., and uses the valuation model to fit and analyze the data to identify the fraudulent transactions. I provide the results report of the model to the compliance department and the finance department monthly to evaluate the robustness and stability of the financial fundamentals information. (2) I am responsible for designing and building a customer risk scoring model, which is used to assess the credit risk level of customers and help credit managers make decisions. The model refers to the Standard & Poor's Ratings, according to the public information, due diligence records and audit information, the model divides the user level into four levels. The higher the level, the greater the credit amount. I report the rating results to the head of finance department for credit risk assessment and investment decisions.

该公司是海联金汇旗下的金融科技企业，同时也是第三方支付公司。主要职责：1、设计并实施反欺诈、反洗钱风控模型，协调资源实施防控策略方案，实施产品全流程管理，实现事前风险规避2、开发并实现机器学习风控算法，制定策略方案，识别风险交易特征，及时拦截盗卡交易；3、融合大数据资源，搭建关系图谱模型，监控欺诈交易资金链路，实现资金流向溯源分析，有效识别团伙欺诈；4、设计并实施信贷风险评估模型，建立个人、企业信用评分体系，建立BI报表，以图形化提供决策支持。主要业绩：风控反欺诈模型、算法策略、关系图谱、BI报表

The company is HNA Group's financial innovation & third-party payment platform. Responsibilities:1.Collected & analyzed demands, designed product frame & drew prototype, wrote PRD & publicized the product.2.Coordinated technical resources, drew up Develop & Test Plan, and managed the progress of the project.3.Monitored the utility of product & user feedback after online running, and kept continuous improvement.4.Designed risk monitoring indicators & risk mitigation products, identified channel operations & liquidity risk.Achievement:1.Data Analysis System: Set up data analysis platform, collected business data and displayed diagram visually.2.Cashier QR Code Payment: Added QR Code (WeChat/Alipay) payment & supported multi-channel operation.3.Reconciliation and Reserve system: Set up electronic Reconciliation platform, achieved multi-bank & multi-channel reconciliation and generated reserve report automatically.

The company is invested by Korean bank. Responsibilities:1. Analyzed the core accounting, IC card demands, drew the prototype & made detailed design.2. Maintained bank core systems, designed & developed models to monitor operating risk, liquidity risk under Basel Accords.3. Evaluated & quantified internal credit risk & corporate loan default rate by BRR Model and Delton Model.4. Counted operational risk events & made loss distribution curve for reserve management & information disclose.5. Calculated the gap of liquidity risk & made liquidity risk gap trend chart for management decisions. Achievement:1. Woori Bank WGSS core system: Designed & developed channel payment system, including IBPS, SMS and ALIPAY services.2. Woori Bank IC card system: Designed Union-Pay & ALIPAY channel recombination & tested IC card transaction.3. Woori Bank CNAPS2 Payment System: Designed & upgraded CNAPS2 payment system.

The company is a state-owned enterprises of Beijing. Responsibilities:1.Safety management & provided safety engineering technical support, arranged & optimized staff scheduling.2.Analyzed vehicle information data, counted operation record & forecasted the vehicle status for budget.3.Set up staff security file system & organized employee training, formulated operational rules for supervisor.4.Translated English & Japanese literature, took charge of reception for the foreign enterprise.Achievement:Beijing Subway 13 crew pick Tips System: Designed & developed notify system to reduce the absence situation.