Zhe Chen

Sr MTS Software Engineer at PayPal

Shanghai, China

About

- Expert in AI Model & Algorithm Implementation: Proficient in applying cutting-edge AI technologies (RAG, CNN, Face Recognition: ArcFace/FaceNet, NLP Embeddings) to solve core problems in risk control, identity verification, and knowledge management. - Large-scale AI Engineering: Proven experience in building high-performance, scalable AI microservices, including multimodal data processing (OCR, liveness detection, image recognition), VectorDB integration, and rule engine collaboration. - AI-Optimized Development Workflows: Leveraged RAG + LLMs (Gemini Code, Claude Code) for code refactoring and intelligent knowledge base construction, enhancing development efficiency and quality. - Technical Leadership & Cross-Functional Collaboration: Led complex AI-driven projects, coordinated requirements across risk, compliance, privacy, and business teams, and ensured global regulatory compliance (GDPR, KYC)

Experience

  • PayPal (14 yrs 2 mos)
    • Senior MTS Software Engineer
      Apr 2022 - Present · 4 yrs 3 mos

      AI-Driven Risk Control Platform Development - Led design and development of a multimodal identity verification system for 10M+ users, integrating document OCR, liveness detection, and ArcFace/FaceNet-based biometric comparison, reducing manual review rates - Built a VectorDB (Milvus)-powered correlation network analysis module using feature embedding and similarity search to identify high-risk fraudulent account clusters, recovering potential losses - Refactored service architecture and developed MCP APIs to standardize AI model integration, supporting the company "AI First" strategy. AI for Knowledge Engineering & Development Efficiency - Engineered a RAG-based smart knowledge base (LangChain) for unified vectorization and retrieval of documents, solutions, and monitoring data. - Leveraged LLM coding tools (Gemini Code/Claude Code) to refactor core business logic, accelerating development cycles. Global Compliance System Architecture - Architected a KYC verification platform for 10+ countries/regions (US/UK/EU/Asia), ensuring compliance with GDPR/CCPA regulations. - Developed a dynamic rules engine enabling 95%+ regulatory updates via configuration-driven adjustments. - Optimized operational costs by integrating and evaluating third-party AI services while maintaining accuracy targets.

    • MTS 2, Software Engineer
      Mar 2019 - Mar 2022 · 3 yrs 1 mo

    • Senior Software Development Engineer
      May 2012 - Mar 2019 · 6 yrs 11 mos

  • Solution Architect at Hewlett-Packard
    Jul 2006 - May 2012 · 5 yrs 11 mos

    As a specialist for OSS domains, has 5+ years experience in OSS solution delivery. Experiences the whole project lifecycle (like Pre-sale, Requirement collection, design, release and CPE) and is familiar with all aspects of OSS solution delivery. Has sound knowledge of operators' business needs and technical understanding. Played multiple roles, such as senior software engineer, solution architect, project leader. Skilled for flexible project working model, on-site or off-shore, work as team leader, team member or work independently