London, England, United Kingdom
More than 20 years of experience in banking , specializing in anti-fraud system, payment systems, and fraud/money laundering detection solution for top tier global banks and other IT system projects in corporate company. Demonstrated capability to deliver regional fraud detection system using machine learning and other cutting-edge digital technologies as well as payment systems in different channels for APAC markets for global banks. A broad range of business analysis, technical expertise and development experience as well as project management with Agile methodologies. Currently working for HSBC as Regional Fraud Product Owner, lead and deliver Fraud product roadmap planning and vision, release planning, execution, value and focus on right priorities to meet the product delivery within roadmap.
Application Fraud Decision System - developed in Google Cloud platform capable of performing real time application fraud screening and decisioning. Application products include Credit Cards, Loans, Account Opening etc. The systems are supporting 11 Asia markets. Key Achievements: - Implemented the application fraud decision system on the Cloud platform for various of leading regional markets, replacing the legacy system. Acted as Regional Product Owner, delivering most viable products based on strategic roadmap. - Implemented Customer behavioral biometrics, Device intelligence and Digital Identity to detect modifications to the UI pages in application journeys. This involved defining patterns of trusted user behavior and performing true location and behavioral analysis. - worked with analytics to implement a Fraud online model, with machine learning technology. It identifies first-party fraud and automatically decline applications at real time in the journey. - Significantly reduced third-party fraud loss and number of false positive cases by enhancing the fraud detection rate and decline of high-risk applications after system launch. Major Responsibilities - Act as product owner to lead, develop and deliver product roadmap planning and vision, deliver MVP using Agile Methodologies. - Prepare and prioritize the scope of requirements and dependencies in collaboration aligning with business requirements. - Own and manage backlog and prioritize tasks in line with product roadmap. - lead BAs to collect and analyze user requirements from business users. - Manage stakeholders’ expectation and project goals. - Established success criteria and metrics for new products. - Identify new and enhanced regional fraud product opportunities, providing input to market/product strategy initiatives. - Collaborate with analytics and market fraud mitigation managers to align market anti-fraud strategies and apply to fraud system to enhance fraud controls.
Transaction Monitoring Decision System for Insurance - an insurance-focused automated transaction monitoring solution for AML on Cloud Platform. Using a machine learning model and the rule engine in the new system, it enhances and optimizes the current manual and semi-automated transaction monitoring control environment. The project covered countries such as Hong Kong and Singapore as pilot markets. Key Achievements: - Acted as Scrum Master to deliver the transaction monitoring decision system for insurance on Cloud platform. This significantly improved efficiency in transaction monitoring alert investigation, decision making. - Designed the data file interface to integrate with the insurance system. - Led a development team in building data science platform and automatically feed historical insurance data the platform for data scientist to conduct analysis and built a machine learning model for detecting suspicious insurance transactions and generating alerts. - Managed overall system integration test activities with various teams to complete the end-to-end testing. Major Responsibilities: - Led a Scrum team to adopt Scrum and Scaled Agile framework. - Facilitated all agile team activities including Program Increment Planning, Sprint Planning, Daily Stand-Ups, System Demos and Retrospectives. - Monitored team progress and performance. Identifying and implementing improvement actions. - Applied coaching principles and practices to support team in achievement of Program Increment objectives. - Collected and analyze user requirements from business users. - Liaised user requirements between IT team and vendor. - Managed change requests for user requirements
Customer Due Diligence (CDD) System Project This project was to streamline, automate and integrate the work flow process of customer due diligence to develop a system, as part of the back-end system for internal users to receive commercial customer’s information to assess the extent to which the customer exposes it to a range of risks. Major Responsibilities - Collect and analyse user requirements from business users and operations - Liaise user requirements between IT team and vendor - Manage change request of user requirements - Facilitate user requirement specification and functional specification review and seek for sign-off from business users and operations. - work as Test Manager role to develop overall test strategy/test plan; lead and manage testing activities; setup up JIRA environment for projects; host status and defect meeting; review test result; report test progress and defects with summary statistics - Assist users on UAT test cases preparation - Assist project manager to prepare project status report and update to Steering Committee - Keep track and monitor project progress and all aspect of project risks
System/Project Title: Intelligent Agent Transaction System (Payment/Settlement System) The aim of this project is to revamp the payment system for the bank. The system is to enhance to support autopay transfer (Direct Credit, Direct Debit, Payroll) for personal customers and small and medium-sized enterprises, settlement of Electronic Clearing Service (ECS), Central Clearing and Settlement System (CCASS), Electronic Initial Public Offering (EIPO), Mandatory Provident Fund (MPF), Electronic Payment Services (EPS), Investor Account Holder (IAH) via Hong Kong Interbank Clearing Limited (HKICL). Key Achievements: - Implemented a new payment system to replace legacy payment system in the bank. - Designed the interface requirements for payment transfer process with the ebanking system. - Designed and improved UI/UX functionalities and process flow of the payment system. Resolved users’ paint-points and transformed it into easy-to-use design system that streamline the operations process for front end staff and backend operation users. - Managed a 10-person testing team and group of end-users from different branches to execute more than 1500 test cases based on the UAT test plan and completed UAT successfully within timeline. - Prepared training materials for the new system and provided user training to over 300 users from different departments including branch staff and backend operations in the bank. Major Responsibilities: - Collected and analysed user requirements from business users - Liaised user requirements between IT team and vendor - Prepared Business requirements documents - Managed UAT team to conduct UAT test cases to meet the timeline - Managed change request of user requirements - Prepared project status report and update to management - Kept track and monitor project progress - Projects budget planning - Prepared user training material and provide formal user training
System/Project Title: -Customer Management Loyalty Program System -Enterprise Data Warehouse System -Betting Information System -Venue Reservation System Key Achievements: - Implemented Priority Card system enhancement Phase II (Loyalty Program System) successfully to streamline automation of operation process. - Led business analysts to deliver As-Is business process study and proposed To-Be model approaches for Venue Reservation System to sponsors and users, conducted customer survey research to find out and addressed root cause of low usage rate of the booking system from customers, as well as proposed solutions to address paint-points raised by backend users. - Redesigned the UI/UX, simplified the screen flow to reduce number of steps for a booking process in the Venue Reservation System. Major Responsibilities: -Collected and analyse user requirements from business users - Facilitated requirement workshops to different department users - Documented Current State business process flow and propose Future State model approaches to project sponsors, business users and operations - Communicated user requirements to IT leads and vendor - Facilitated requirement specification and functional specification review and seek for sign-off - Assisted users on UAT test cases preparation and managed the UAT. - Prepared project status report and update to management - Kept track and monitored project progress - Prepared Project Funding Proposal and Projects budget planning
System/Project Title: Corporate Internet Banking System Revamp The aim of this project is to revamp Corporate Internet Banking System for Bank of China. The system was to enhance the web layout interface, various payment types including autopay, payroll, cheque payment, telegraphic transfer, CHATS payment to support corporate customers; Enterprise interface system, migrate tailor-made customers to the new system. Key Achievement: - Launched implementation of Corporate Internet Banking system and Enterprise interface system (Enterprise interface system successfully to serve different payment types to corporate customers to send payment instructions via their ERP system)., tailor-made customer migration for the bank. Payment products include Direct Credit, Direct Debit, payroll, Telegraphic Transfer, CHATS. Major Responsibilities: - Collected and analyzed business requirements from product team - liaised with different function teams to produce project definitions including validated functional requirements, scope, roles, responsibilities, timescales and effort estimation. - Prepared Functional Requirement Document - Kept track and monitor project progress - Project change control management - Reported project progress and status - Managed and coordinated with users to conduct UAT - Responsible for identifying, analysing, measuring and managing project risks - Supported Implementation Manager to collect customer’s requirements for customer onboarding - Managed and resolved client problem issue in production
System/Project Title: Asia Payment System The aim of this project is to develop an Asia Payment System to support 14 regional countries. The system is to receive payment transactions such as payroll, vendor payment and check payment; collection transactions directly from corporate client via various bank's products. Key Achievements: - Launched ISO20022 global standard payment format (direct credit, direct debit) for corporate customers to send different types of payment instructions to the regional payment system. This system supports 14 regional countries, and more than 10 new multinational corporate customers joined the payment service in the first year after its launch. - Successfully automated the payment process to replace manual payment upload process for China, Japan, Indonesia markets, direct integration with clients’ ERP systems, allowing corporates to submit payment instructions to the bank. - Implemented over 5 projects with different domestic banks as a service provider. These projects involved performing settlement for payments sent from the payment system, resulting in significant increase in corporate customer onboarding to the bank and an overall increase in market share. - Supported over 30 multinational corporate customers onboarded, enabled them to send various payment instructions from their ERP systems. Major Responsibilities: - Assisted manager to review and revise project schedule. - Resource planning - Kept track and monitor project progress. - Project change request management. - Reported project progress and status to senior manager. - Worked as business analyst to collect and analyse business requirements from product team and local country operations team. - Prepared Functional Requirement Document, System Design Spec. document - Led a team of software engineers and a UAT team to deliver projects. - Advised UAT test cases to QAT and UAT team for Testing strategy document and coordinate with users to perform UAT