JING ZHANG

**** **** ****** ****

Charlotte, NC *8277

Phone: 704-***-**** (home)

704-***-**** (cell)

Email: acfkhq@r.postjobfree.com

Visa Status: citizenship

TECHNICAL SKILLS (PC, Window, Unix) SAS Base, SAS Macro, SAS/Stat, SQL, Word, Excel, Power Point,

CART, Knowledge Seeker, Microstrategy, Tableau, Metlab Programming, R Programming

CERTIFICATIONS: SAS Base Programming for SAS9 (obtained in May 2011)

Securities Series 6 (not active)

Publication: Top 5 Technical Indicators for ETF Trading: Illustrated by Examples

http://goo.gl/xwQqOr

EXPERIENCE:

11/2013-Present Wells Fargo, Charlotte, NC

Regulatory Compliance Risk Management, Statistical Modeler

• Develop and/or enhance innovative statistical analysis and modeling techniques to

evaluate fair lending risk for Wells Fargo Home Equality and Wells Fargo Home

Mortgage.

• Perform exploratory analysis of the data and identify justified business factors that

should be considered in the statistical models, understand policies and products by

business channel, and build relationships with team members in the business to further

develop a comprehensive understanding of the day to day operations.

• Create complete and detailed model documentation summarizing how the model

operates, how it was developed, key assumptions and any limitations.

• Collaborate with legal counsel, compliance, the business line management, and other

key partners to develop innovative and effective analysis.

• Evaluate internal and external practices, including regulatory and peer institution

practices, to ensure Wells Fargo is using “best in class” statistical and analytical

methods, while adhering to regulatory requirements.

• Prepare decks and memo to counsel, answer questions on Analytic Approach

Challenge section, present statistical concepts, modeling or analysis results to different

audience from cross-organization.

• Interact with internal partners, including consumer lending groups, the law department,

corporate and line of business compliance, and model validation.

2/2013-7/2013 Randstad Technology Consultant

Onsite at Bank of America, Charlotte, NC (Enterprise Information Exchange), Data

Analyst

• Worked on large scale of commercial and consumer data and tried to find business

opportunity

• Incorporated the commercial and consumer risk exposure and tried to mitigate the loss

for company

• Searched business to business and employer to employee relationship and identified

the compound credit exposure

• Performed data studies and data discovery around new data sources or new uses for

existing data sources

• Performed statistical analyses with existing data sets

• Visualized and reported data findings creatively in a variety of formats

• Extracted data by SQL, manipulated data by SQL and SAS, generated report by Excel

(pivot table), and presented report by power point, word or email.

7/2011-12/2012 TMC Software Data Analyst Consultant

Onsite at Wells Fargo, Charlotte, NC (Digital Channel Group, and Enterprise

Data and Analytics)

• Developed and implemented measurement for marketing campaign of products

launched through online channel

• Created reporting capabilities to assess customer behavior through wellsfargo.com and

its associated product application platforms

• Working cross-functionally with business partners, peer consultants, and the

technology support team to provide the measurement, reporting, and ad hoc analysis

• learned the customer experience, identified opportunities for improvement and assess

benefits of enhancements to the technical platform over time

• Provided data driven answers to large and small business questions

11/05 – 6/2011 Home-Based Business

Internet Marketer and Asset Management

• Collected data from users who received free gifts, analyzed data and categorized users

by SAS programming to select the right products

• Analyzed data from sales results of info products to improve profit

• Collected daily stock market data since 2006, manipulated data and predicted the

market trend based on statistical modeling and risk assessment

• Analyzed business situations, developed insightful advertising strategy to maximize

online-business profit

• Wrote business articles, blogged and utilized social media to attract more web traffic

03/98 – 11/05 Providian Financial, San Francisco, CA

Statistical Modeler, Marketing Analyst, and Risk Management Analyst

• Performed analysis that maximizes profits and minimizes charge off rates, attrition

rates, and bankruptcy rates, etc. to reduce risk exposures of credit card portfolios by

SAS

• Proficient to produce different formatted files using SAS/ODS to produce ad-hoc reports

for presentation and further analysis

• Performed SAS programming to review, analyze and track portfolio performance and

risk assessments

• Projected mortgage default rate based on credit card holders’ behavior, provided

incentive offers to new home purchasers

• Performed data mining, extracted and explored data by SAS/SQL in large and different

types of databases, analyzed and tested large and complex datasets

• Presented and provided analytical support on various strategies and loss/profit

projections

• Designed and maintained complex retention programs to maximize profit at minimum

risk

• Categorized and classified portfolio by software such as CHAID, CART and Knowledge

Seeker

• Interpreted and provided management recommendations and suggestions regarding

credit risk

• Coordinated with marketing department, translated business requirement and business

problems into executable solutions to ensure projects to be completed with satisfaction

• Conducted OCC audit and other required audit to support consumer regulatory and

compliance reporting

• Analyzed portfolio trends based on charge-off rates, delinquency rates, loss trends,

portfolio dynamics, and bureau scoring criteria.

• Prepared and explored data for models by tools such as CHAID, Knowledge Seeker

and CART

• Participated in the pilot programs, champion/challenger strategies and tests for rollout

programs and direct mail campaign

• Validated statistical modeling and provided business recommendation to succeed the

rollout campaign

• Developed and improved program models to provide statistical and financial modeling

by SAS

03/03 – 11/05 Primerica Financial (Subsidy of Citigroup), Fremont, CA

Personal Financial & Investment Advisor

• Trained people to become financial advisors, demonstrated the presentation and

recruiting skills

• Educated clients with personal financial concepts, debt management methods

• Conducted questionnaire, collected personal financial data, generated Financial Need

Analysis(FNA) reports by software

• Presented and interpreted the integrated debt solution, savings, and investment

package to clients and implemented the programs with license in Life Insurance and

Annuities

• Managed clients’ mutual fund, annuity portfolio, and other asset with Series 6 license

• Took loan application and went through loan docs with clients as a certified loan agent

• Analyzed the clients’ demography, financial behavior, and income level to better serve

them and choose right products for them

09/97 – 12/97 Household International, Salinas, CA

12/97 – 03/98 Wells Fargo, San Francisco CA

Trilogy SAS Programmer Consultant

• Developed ad-hoc reporting and analysis as request

• Documented data requirements

• Evaluated the effectiveness of the pilot/rollout programs

• Designed recurring automated testing and generated reports

• Handled multiple deliverables simultaneously

• Performed Quality Control, Quality Assurance or Process/Production Testing

10/96 – 09/97 Norwest Card Service (Merged with Wells Fargo), Des Moines, IA

Statistical Modeler and Risk Management Analyst

• Classified customers by modeling methods such as logistic regression model

• Preselected variables for statistical models by software such as CART, Neural Network,

and Knowledge Seeker

• Analyzed the patterns and behavior of attired customers and tried to retain more credit

card holders

• Generated ad-hoc reports per request

• Calculated profit scores for each card holder

EDUCATION:

05/97 Iowa State University, Ames, IA

• M. S., Statistics

• M.S., Economics

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