Data Scientist, Application Development Lead, Project Management (SDLC & Agile), Banking & Capital Markets

Based in New York Metro, US Citizen

 

RANGE OF EXPERIENCE

John has 17+ years of solid financial services industry experience developing and implementing technology strategies to solve complex business problems and can liaise with senior executives and present credibly to both large and small groups.  His focus is in the areas of data analytics and modeling, application development as well as project management (SDLC & Scrum).  He has direct experience in IT infrastructure design & implementation, process improvement, credit lending, mortgage origination & servicing, loss mitigation, asset securitization, trading platform transformation, risk management and compliance.

He was an entrepreneur in transforming community lending technology. He conceived and implemented multiple nationwide web-based financial applications of using a $15+ million budget. He led development of an innovative loan resolution, loss mitigation and risk management platform.  He is also a data scientist who can visualize and scope business problems and execute technology to exploit data to find solutions.

 

PROFESSIONAL AND BUSINESS EXPERIENCE

PricewaterhouseCoopers Advisory - New York: Manager, 06-2011 to 03-2013

Bank Risk and Compliance:

·         Solution Architect: Performed risk and compliance initiative for a top-tier global bank to meet OCC consent order requirements. Designed and developed a database application with complex dashboard and reporting system to automate and manage regulatory requirements lifecycle, effectively enhanced inter-departmental communication across all business units to coordinate compliance needs.  Preformed hands-on SDLC, architecture design, ETL, dashboard reporting, VBA scripting and SQL programming.

·         Solution PM/BA: Assessed wire transfer risk for a major commercial bank, designed an operational risk framework and performed gap analysis for managing risk.

·         Team Lead: Performed Independent Foreclosure Review for a top-tier bank and managed team to review mortgage files to meet OCC consent order requirement.  Actively utilized SharePoint to coordinate with multiple work streams.  Custom designed a workflow management application and ticketing system to enhance operating efficiency

·         Technology Lead: Designed and implemented a risk and compliance solution for a top-tier investment bank to meet FINRA, SEC, FED and other regulatory requirements.  Managed offshore development team and preformed hands-on SDLC, architecture design, dashboard reporting, VBA scripting and SQL programming.

·         Technology lab analyst: utilized business intelligence / data warehouse tool (Pneuron) to design a mortgage fraud detection and anti-money laundering system

Capital Markets:

·         Trading platform transformation PM: Performed a major middle/back office transformation for a top-tier hedge fund/asset management firm.  Managed testing for all platforms in a large scale SDLC program, including trading, derivatives, accounting/reconciliation and data management.  Program involves multiple geographic locations and large deployment of offshore resources.  Performed hands-on advanced Excel modeling, data analysis and PMO reporting.

·         Team lead and SME: Led firm-wide training program on asset securitization

Strategic Initiatives and Technology Innovation:

·         Technical SME: Performed IT audit review for a top-tier investment bank on a global

Configuration Management System using open source architecture

·         Team lead: Led Big Data special interest group, to align with firm-wide technology initiative and to design and experiment technology solutions for the next generation corporate data management platform.  Used Hadoop/HDFS, MongoDB, Mahout (machine learning) and R.

Credit Lending and Servicing:

·         Merger & Acquisition PM: Performed PMO setup for company and portfolio acquisition for a top ten mortgage servicer with $150+ billion servicing assets.  Coordinated IT infrastructure and systems upgrade, including data center expansion and with multiple business work streams to enhance business capacity in a tight timeline.

·         Business Development Manager: Performed EMV Credit/Debt card transaction authentication analysis.  Researched on credit card fraud in multiple countries and the potential impact of EMV adoption.

 

Just Price Solutions: Head of Technology, 07-2005 to 06-2011

Loan DNA, LLC: Founding Partner, since 04-2001 to 06-2011

JPS is a technology driven lending institution collaborates with private sector, non-profit & government to promote sustainable, fair & equal access to financing, innovative community lending and neighborhood stability nationwide

 

·         Led the design, development and support of a web-based Automated Underwriting System (AUS) supporting $775 million of complex mortgage lending from borrower to investor; technology supports 7 layers of financing per online transaction enhancing affordability and risk profile management; it supports instant approval with complex business rules, bank collaboration and multiple underwriting engines; partnered with a national network of more than 240 community development and affordable housing organizations.

·         Led IT infrastructure design, development and support of the mortgage loan program for the mortgage market’s first automated alternative credit and “thin credit file” (of potential borrowers without FICO scores or any electronic credit profile).  Project was in alliance with a major credit reporting agency and a major financial institution.  Used various statistical models to analyze credit and loan performance data and forecasted operation pull-through.

·         Led the design, development and support of a loan resolution, loss mitigation and risk management platform used by a $540-million national foreclosure mitigation program. This was rolled out in 90 days after the financial crisis in 2008; the platform is US Treasury compatible with HAMP, HARP and HAPA, and is PCI DSS compliant; this dramatically increased portfolio valuation analytics and reduced resolution turnaround times for 15,000+ loans.  An agile Scrum project with 90-day go-to-market execution.

·               The uniqueness of these financial solutions became the subject of a 30 minute PBS news documentary: http://www.pbs.org/now/shows/426/video.html

·         Led the rapid design and development of a Consumer Portal, a Business-to-Consumer (BtoC) online banking and financial assistant portal with modules that included consumer budgeting and money management to help identify trends and analyze consumer spending behaviors, similar to the mint.com solution.

·         Led the design and development of a REO portal to assist in liquidation of bank-owned properties by matching them with first-time homebuyers and qualified borrowers of the $50 million Neighborhood Stabilization Program (NSP) authorized by Housing Urban Development (HUD).

·         Performed a $1+ billion Loan Servicing portfolio analytics for secondary market trading.   Completed a loan servicing system data conversion/migration from a leading subservicing system, including data of timely ACH transaction, payment posting and Fannie Mae reporting. Project involved complex SQL operations.

·         Performed business intelligence/dashboard design, project management, configuration management, business requirement analysis for multiple web-based applications on both server-based and cloud-based platforms

·         Led Information Security, Disaster Recovery (BCP) planning, helpdesk, IT compliance projects such as PCI DSS and SAS 70 Type II Compliance, conducted annual IT audit and compliance

·         Hands-on experience in software development infrastructure, requirement gatherings, SOA design, UML design, UI design, technical documentations, reporting, QA process, UAT and change management

·         Hosted a live technology debut in National Press Club at Washington DC in 2004

·         Personally met with Former Federal Reserve Board Governor Edward Gramlich to demonstrate technology solutions for community lending, neighborhood stability and pre-crisis remedy for Subprime

 

1010 Development Corp., a non-profit affordable housing developer in Los Angeles:

Board Member, CFO, 06-2005 to 03-2010

·         Reviewed monthly financial statements and ensured accounting accuracy

·         Hosted quarterly finance committee meetings

·         Participated in quarterly executive committee meetings and board meetings

·         Responsible for audit committee and annual financial audits

 

AIDA Strategies Inc., a start-up software company specialized in accounting and inventory distribution:

Founder, 2002 to 2004

·         Designed and executed the first generation of pure web-based ERP system for small to mid-sized businesses specializing in multi-location operation, complex product setup, inventory management, sales order, accounting, procurement, warehouse, and shipping in garment and apparel manufacturing. This solution is similar to today's Netsuite.com and SAP for SMB.

 

Oracle Software / Portal Software Inc.:  Senior Technical Consultant, 2000 – 2001

·         Implemented global billing and revenue management solutions for multiple dot-com and start-up companies using low-latency & highly scalable database systems using Oracle database

·         Hands-on Java programming and PL/SQL

 

Standard and Poor's (S&P): Structured Finance Associate, 1998 to 2000

·         Performed cash flow modeling for Mortgage-Backed Security ratings

·         Edited security prospectus and prospectus supplements

·         Collaborated with security issuers, law firms, bond insurers, accounting firms, publishers and investment banks to meet critical deadlines of security IPO issues

·         Assisted in issuing MBS, scrubbed data tape and analyzed collateral

·         Designed and developed the foundation of Structured Finance Cash Flow Model and enhanced RMBS Credit Model

 

Ocwen Financial / Admiral Mortgage: Associate / Pricing Manager, 1993 – 1998

·         Designed and developed an automated pricing system for a mid-sized mortgage bank which significantly enhanced the wholesale mortgage origination efficiency and increased market share.

·         Analyzed performing and scratch & dent portfolios for loss mitigation and loan trading

·         Performed data mining in conjunction with data from a major mortgage data aggregator/provider

EDUCATION AND CERTIFICATIONS

MIT Sloan School of Management, Cambridge, Massachusetts             

Executive Certificate in Strategy and Innovation              2010

 

California State Polytechnic University, Pomona

Master of Business Administration - MBA - Finance Emphasis              1998

Minor in Bachelor of Computer Science              1995

Bachelor of Science – BS - Electrical and Electronic Engineering               1993

 

CFA (Chartered Financial Analyst) Level 2 Candidate              2010

 

Mortgage Banker Association of America

Certified Mortgage Banker (CMB) and Accredited Mortgage Professional (AMP)              2007

 

Project Management Certification:

Certified ScrumMaster – Agile Certification by Scrum Alliance              2012

PMP - Certified Project Management Professional by Project Management Institute              2010

 

Six Sigma Certification (Green Belt)              2009

 

ITIL V3 Foundation Certification              2010

Information Technology Infrastructure Library for Service Management

 

Certified Database Administrator (DBA) – the MongoDB by 10gen              2013

 

Member of TDWI – The Data Warehouse Institute              2002 (since)

 

TECHNICAL CAPABILITIES

Project management & system design: SDLC, AGILE/Scrum process, CMMI, SOA design, UML design, PMO setup, Configuration Management and Cloud Computing

Databases/Big Data: MS SQL Server, MS Access, Oracle, MongoDB (a highly scalable document-oriented database with MapReduce), Mahout (Machine Learning), Hadoop/HDFS, R Statistic

Software Applications: Advanced in MS Excel and MS Access VBA, MS Project, MS SharePoint, MS Powerpoint, MS Visio, Crystal Report, Business Objects, Pentaho, Pneuron Datawarehouse/Business Intelligence

Operating Systems: Unix/Linux, Mac OS X and Wintel

Open Source Development platform: Maven, Ant, Hudson, Subversion, CVS, JUnit, Selenium, Eclipse, Jira

Programming Languages: Java/J2EE, Python, Ruby on Rails, VBA, SQL, Javascript, Unix Shell Script, C/C++, R

 

OTHER ACTIVITIES & LANGUAGE SKILLS

2009 Southern California Long Beach Full Marathon

2006 Kaiser Permanente Los Angeles Triathlon – Olympic distance

2006 “Swim or die” - Escape from Alcatraz in San Francisco – a high current cross harbor swimming challenge

2005 Southern California Long Beach Half Marathon

2005 AIDS Lifecycle Bicycle Ride from San Francisco to Los Angeles – a 7-day 585 miles endurance challenge

Passionate in Big Data and distributed data processing, machine learning and internet technologies

Fluent English, Cantonese and Mandarin

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