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Mobile: PHONE NUMBER AVAILABLE, Email: EMAIL AVAILABLEHIGHLIGHTS:Extensive experience working in actuarial services, digital marketing, marketing analytics, CRM analytics, strategic analysis and testing, on-line banking analytics in major companies such as American Express, MetLife, TIAA CREF, as well working experience in a digital agency (Essence Digital, now a subsidiary of WPP) serving Google as the key clientBottom line contributor to organizations and as a result was quickly promoted to Director level in MetLife within three years (from marketing consultant) and Senior Manage in American Express within one year; having made solid bottom line contributions to these organizationsGreat educational background in Finance (MBA from NYU, GPA 3.93), and Math/Statistics (MA from University of South Florida, GPA 4.0), CFA Charter Holder, and passed multiple Society of Actuaries ExamsA combination of soft skills in managing projects, teams, marketing campaigns, and hands-on problem-solving skills that utilize SAS, R, and other programming language and software to analyze large data, and derive decision making insights; with great communication skills to serve clients and internal senior managementGreat energy level demonstrated by playing pickleball competitive (4.25 rating) and participating in multiple tournamentsEXPERIENCEConsultant New York, NY 12/2020
Provided an international digital watch company/hundreds of million dollars sales per year) to utilize its current MS SQL environment to build sales reports by product categories, channels, and geographical regions, also by demographic characteristics (Skmei)Helped its customer loyalty program by building logistical regression-based attrition modelsProvided strategic advice to estimate customer lifetime values by studying past purchase data, as well as longevity of products, repurchase patterns, cross-sell and up-sell, family/bundle sell opportunitiesHelped develop rewards/points earned programs to increase company sales, and improve email marketing campaign efficiencyAnalyzed market and competitive landscape to provide company strategy design in the areas of partnership, bundle offer and family offerUtilized the operations research tools to help the company make prudent decisions in choosing locations and building its warehouses in the United StatesABBVIEBiostatistics Consultant New York, NY 01/2020  05/2020Used SAS IML (Interactive Matrix Language) to perform scenario analysis regarding clinical trail design changes in response to the Covid pandemic environment.Performed SAS based MCMC (Markov Chain Monte Carlo) simulation analysis for Abbvie eye disease drugs intraocular pressure measurement.Performed due diligence of clinical trials involving examining clinical trial TFLs.Performed due diligence to apply FDA SDTM standards for clinical trials.INDXFLEX ASSET MANAGEMENT New York, NY 01/2015  12/2019Financial ConsultantPerformed statistical analysis of historical S&P data and used big data analysis to guide index related investment.Provided clients index seasonal pattern and high volatility time pattern analysis using SAS modeling.ESSENCE DIGITAL New York, NY 03/2014  12/2014Senior Data AnalystResponsible for leading a wide of range of analytics projects that serves the agencys major client, Google.Performed advanced Pay-Per-Click (Biddable) search campaigns analytics for all Google products globally, including KPIs such as impressions, clicks, conversions, cost per click, click through rate, impression share lost due to rank, impression share lost due to budget. Developed search engine and biddable strategies to maximize ROI. Extensively used SAS and R.Analyzed branded survey results (IPSOS) for Google products (Chrome, Chromebook, Nexus and Hangout).Designed and performed Matched market test analysis for Yahoo stream ads (pricing elasticity of biddable spend cap for Chromebook), and branded search campaigns for Chrome. Used R packages and cluster analysis, time series modeling and ANCOVA analysis techniques to adjust baselines and derive market trend and incremental ad spend effectiveness. Used R-graphics for KPI data visualization.Performed Google professionally managed search campaign trended analysis, by branded vs. non-branded, B2B vs B2C and other customized categories. Provided strategic insights into effectively and efficiently running these ad campaigns. Used logistical regression to score individual marketing success contribution variables.Used Hive/Hadoop, Python to perform global display network Ads incremental lift analysis. Leveraging strong knowledge of DCM and Google Ads platforms.APEX SYSTEMS New York, NY 01/2013  03/2014Consultant (Tiaa-Cref/Tiaa Direct/Digital Marketing Analytics)Analyzed branded survey for Tiaa Crefs wide range of financial services and products.Used Adobe SiteCatalyst software to create a suite of marketing reports, including marketing campaign overall KPS reports, traffic/pathing reports, funnel analysis, and life-time value calculations.Created logistical regression models for Tiaa Cref Direct customer conversions, and campaign success events probabilities.Used Tableau software to demonstrate marketing campaign, and web analytical results in a user-friendly style.Independent Consulting/Teaching (Mathelite, Inc) New York, NY 06/2011  12/2012Provided strategic data capability establishment for a fast-growing Chinese e-Commerce company (yipihuo.com). Providing guidance to build online algorithms (using SAS and sql) to identify purchase patterns.Helped build marketing reporting functions and established CRM analytics.Helped establish membership rewards programs to enhance customer loyalty.Establishing and teaching students for standard tests, partly to help my two own kids.AMERICAN EXPRESS (Emerging Payment, China) Beijing, China 01/11  06/11Head of Marketing (Analytics, Partnership)Managed the partnership relationship between American Express and China UMPay (a joint venture of China Mobile and China Union Pay) to expand merchant network and mobile payment usage.Managed the marketing budget and organized marketing campaigns to increase mobile payment activation rate and increase mobile payment usage (also working with ICBC and multiple online media, travel websites/merchants).Performed market research to provide business payment and credit solutions to small businesses in China (giving presentations to Bank of China credit card top executives regarding the solutions and underlying risk capabilities).Partnered with China UMPay to build customer relationship management analytics capabilities and business insight analytics which allows for precision marketing and improves efficiency for group related purchases.Managed relationships and performed business negotiations with multiple Chinese third party payment companies to accept American Express (online inbound acceptance).AMERICAN EXPRESS(Strategic Analysis and Testing/Risk and Information Management) New York, NY 10/04-12/10Senior ManagerPerformed detailed new product (Business Plum Card) cannibalization analysis by studying pre and post spend behavior, account receivables (financial charge amount) patterns, and account attrition (impacting fees) patterns. Provided detailed customer lifetime value analysis to support acquisition channel decisions. Also helped determine risk (fico, internal risk scores, and total risk scores cut-offs) and spend/risk-adjusted margin amount based new account acquisition eligibility policies.Performed analysis to segment entire business card customers based on spend behavior (run business, run office and just a card) as well as membership rewards behavior (funding business, rewarding employees, etc.). Also provided analysis across business charge card portfolio to compare merchant usage, industry characteristics, payment patterns, and membership rewards redemption patterns.Performed comprehensive customer insight research for American Expresss high-end Business Centurion card portfolio (the Black Card). Developed statistical acquisition models to improve profitability. Analyzed card member spending behavior (personal vs. business) patterns to develop segmentations enabling better marketing positioning, communication strategies and the development of tiered based customer services.Designed Charge Card Customer Capacity Optimization Test. Worked closely with internal risk management team, marketing team to develop a revolutionary charge card test that would give certain charge card members transparent review trigger (risk and spend pattern based) amount as an effort to unleash customer spend capacity.Analyzed and improved Relationship Manager program ($10M+ American Express annual investment) performance. Provided detailed trend based program performance evaluation for high spenders in the Small Business Card portfolio (annual spend range $500K - $750K) by analyzing both the test and control groups. Analyzed related spend velocity for the test and control groups. Performed detailed analysis based on spend and risk, leveraging external FICO scores and American Express internal risk scores.Developing investment and research practice in the option investment field. Specialized in option investment strategies, related risk management and the use of individual stock options with underlying equities in investment areas such as commodities, alternative energy, biotech, software, emerging market, medical devices, and companies under the review of privatization.Analytically supported co-brand portfolio growth by applying segmentation, in-depth financial cost analysis and modeling to improve Membership Rewards direct marketing program profitability by at least $2 million on an annual basis. The segmentation based program applied past membership rewards redemption patterns (e.g. different tiers of airports accumulated points redeemed), and the present value of different redemption costs based on different types of services/goods typically redeemed in each segment. Also used statistical methods and design of experiments techniques to design in-market tests for continuous learning and improvement of the marketing campaigns.Developed competitive strategies and test designs to boost credit card portfolio profitability within the Risk and Information Management division. The task entails extensive analytical and research work, coordination of cross functional teams, the application of segmentation techniques, pattern recognition, industry and consumer study, and the utilization of the web channel. Designed in-market tests to study different media marketing channel effectiveness. (Using SAS, SQL and American Express customer Analytical Environment database extensively).Utilized strong data extraction and transformation skills to prepare for statistical analysis. This includes the data step processing, macro creation, categorical variable construction, optimization, the study of the distribution of the large volume data (e.g. unimodal vs. bimodal, skewness, center, spread, and outliers/the mantra of a distribution) before applying the SAS Stat procedures. Developed powerful presentations to communicate analysis and results effectively to business partners, and senior management.MET LIFE (CRM Analytics, Marketing Research and Analytics, Business Development) New York, NY 06/99-06/04Director: (joined as a marketing consultant 06/99, promoted to be a senior marketing consultant in 06/00, and then Director of Marketing/CRM Analytics in 02/2001)Helped build and managed the marketing analytics team (later renamed CRM analytics, and then Lead Analytics) to perform cross-sell, up-sell, churn rate, contact and sales channel optimization analysis and developed logistic regression based models to improve term conversion marketing program and other market program profitability.Provided leadership in developing MetLifes next generation of digital and big data/machine learning based online marketing strategies.Responsible for targeting, segmentation, modeling and web-based sales channel analysis development.Developed logistic and chaid models, customer life time values to improve national marketing program efficiency.Utilized Axiom, Hart Hanks data and services, vendor research results. Synthesized such information with deep proprietary information and knowledge to develop well-focused and realistic strategies.Led the company marketing and analytical infrastructure development and managed the design of marketing intelligence website. Also helped build the on-line lead-generation based web site MetDirect.Delivered comprehensive analysis results based on focus group research designs and research surveys.Used SAS software extensively to develop decision support applications and trained subordinates to use SAS.LINCOLN FINANCIAL GROUP (Working on site as a consultant for CTG) Fort Wayne, IN 01/99-05/99Software (SAS software applications) Engineer (a five-month contract consulting job):Developed and managed financial and accounting processes, reporting and software applications using SAS.Helped convert actuarial and accounting processes from using People Soft and other software to the Oracle relational database environment, and prepared for the year 2000 transitions.AMERICAN GENERAL LIFE INSURANCE COMPANY Houston, TX 10/95-10/98Actuarial Statistician:Performed valuation of insurance companies as acquisition targets and other product development studies.Responsible for the profitability analysis and life cycle product management of life insurance sold to business customers (group insurance).Used SAS in the mainframe environment to perform mortality and lapse experience studies of insurance policy holders to help decide insurance premium pricing.Used SAS system to perform analysis with regard to different causes of deaths and their implications to insurance policy design.AON CONSULTANTS Tampa, FL 04/94-07/95Actuarial Associate:Prepared defined benefits pension plan valuations, including for the City of Tampa, and performed complex actuarial and financial calculations for pension plans designed to serve businesses and institutions.EDUCATIONNEW YORK UNIVERSITY, New York, NYMBA (with distinction), Finance and Accounting (GPA 3.93/4.0), May 2005.Recipient of Deans Award for outstanding scholarship (Given to top 1% of the graduating class)UNIVERSITY OF SOUTH FLORIDA, Tampa, FLMA, Mathematics with concentration on Statistics (GPA 4.0/4.0), May 1993 (Continued in the Ph.D. program of Mathematics with concentration on Statistics, and completed all required courses and qualified exams before the employment as an actuary in 04/1994)SHANGHAI TEACHERS UNIVERSITY, Shanghai, ChinaBS, Mathematics, July 1988ADDITIONAL INFORMATIONComputer Skills: Mircosoft Office, SAS Base, SAS Stat, Graph in mainframe, Unix, and PC platforms, SAS Enterprise Guide, JMP, E-views, SQL, Salford Systems CART decision trees, Clustering Analysis, Familiarity with DB2 database, Oracle database and Teradata environment, UNICA campaign management environment, Adobe Systems digital marketing software, Business intelligence software, e.g. Microstrategy, Business Objects, Cognos, SAS Enterprise Miner (US Citizen), Tableau, while at Essence Digital, with experience and exposure in using Python, and can sharpen the skills very fast if neededA Charted Financial Analyst (CFA member), passed a total of 6 actuarial exams including math, probability and statistics, compound interest, statistical models, risk models, and survival analysis

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