Szu Hao Chen

Norwalk, CT ***** 203-***-****

adco2f@r.postjobfree.com https://www.linkedin.com/in/szu-hao-chen/

Senior Risk Manager

Safeguard Business Success through Mitigating Risk & Ensuring Compliance

Multilingual strong analytical leader with extensive knowledge of banking industry, regulation and risk management framework. Adept at mitigating risk and maximizing revenue by identifying key risks associated with business strategies. Collaborative team player with exceptional written and oral communication skills. Experienced SAS/SQL programming for data pulling and analysis.

Competencies include:

Portfolio Management Collection and Recovery Strategy Allowance for Loan & Lease Losses (ALLL)

Credit Risk Systems Strategic Planning Risk & Financial Analysis Data Analytics Data Governance

Professional Experience

WEBSTER BANK, Stamford, CT

VP – ALLL Analytics 2015 - 2020

Steered quarterly allowance process by ensuring accurate and completeness of quarterly reserves for consumer and commercial loan portfolio.

Performed analysis to identify trends and performance metrics allowing understanding of underlying drivers of reserve movement.

Coached and mentored analysts ensuring quarterly model production process was performed in controlled environment and perform analysis to identify trends in business and performance metrics.

Enhanced governance and robust process controls through establishing and identifying opportunities.

Produced actionable insights and recommendations through business analytics to improve efficiency and profitability.

Met compliance with external regulatory oversight, internal compliance and model governance requirements through directing operational reserve process.

Identified opportunities for time and resource saving through automation of reserve loss models in SAS, resulting in reduction of quarterly production process from 1 week to 3 business days.

Served as subject matter expert (SME) for PD/LGD model for annual review and validation with internal and external auditors.

Evaluated and structured development of SOX program governance, policies and procedures that was used by external auditor as example of excellence.

Supervised internal and external audit while serving as liaison with regulators for internal control over reserve related issues.

Enhanced Risk Control Self-Assessment program enabling effectiveness of control environment and conducted annual testing for adequacy.

Received Webster’s President’s Award for implementing and strengthening identified control deficiencies for quarterly ALLL analysis leading to removal of bank’s designated material weakness status.

GE CAPITAL, Norwalk, CT

Default & Recovery Analyst – Risk Analytics 2014 - 2015

Provided insight into portfolio trends, dashboards, monthly and quarterly reporting due to working collaboratively with cross functional teams.

Ensured data accuracy and met regulatory requirements through working on data reconciliation and integrity initiative.

Created and implemented SOPs improving business risk analytic and data gathering process.

Achieved early identification and remediation of issues before data submission to regulators as result of preparing monthly performance reports on default and recovery for portfolio deep dives.

Automated PD/LGD model calculation through performing analysis of underlying requirements that led to cost and time saving.

XEROX CORPORATION, Norwalk, CT

Risk Manager – Xerox Global Leasing 2013 - 2014

Managed offshore team to create, maintain and automate business reports leading to process efficiency.

Created and delivered insightful portfolio quality reviews to senior executives to influence business’ direction by highlighting changes in portfolio performance.

Constructed and maintained advanced portfolio monitoring practices to improve accuracy of risk ratings for effective risk mitigation programs, thereby leading to predictable profit and loss forecasting.

Built insightful loss curve analysis, forecasted and monitored write offs and key performance indicators, reducing delinquency and charge offs.

Performed data analysis to build robust monthly reporting, early warning systems and portfolio segmentation maximizing revenue growth while managing risk of fraud and loss.

DISCOVER FINANCIAL SERVICES, Stamford, CT

Project Manager - Credit Risk Management 2010 - 2012

Managed team of offshore risk consultants and served as subject matter expert on student loan portfolio through resource optimization to effectively manage default prevention, collection and recovery strategies.

Developed early loss mitigation along with recovery programs and strategies by maximizing collections effectiveness and exceeding net credit loss goals.

Identified opportunities for optimization of loss mitigation and strategy through design of experiments, resulting in improved delinquencies and reduced write offs.

Oversaw collections operations ensuring compliance with credit policies while aligning risk management goals.

Boosted collection and recovery strategy performance through directing development and implementation of scorecards in TRIAD, leading to precise segmentation and identification of high risk accounts.

Recognized with Risk Excellence Award for going above and beyond in providing analysis to regulators.

RBS CITIZENS, Bridgeport, CT

Senior Quantitative Analyst 2008 - 2010

Managed collections strategy by analyzing current trends of delinquent accounts in various portfolios to improve collections and recoveries performance.

Developed campaign, portfolio and segment analysis enabling understanding of customer behavior as well as identified business needs and opportunities.

Created custom coding and data pulls using SAS/SQL facilitating new reporting platforms and impact analysis using in depth knowledge of data warehouse and infrastructure.

Developed and implemented automated reporting process minimizing manual processing.

Captured delinquency information from multiple systems that was stored as centralized location, improving data pull for analysis as result of implementing new data warehouse.

Additional Experience

AUTOMATIC DATA PROCESSING, Stamford, CT

Implementation Consultant

HEWITT ASSOCIATES LLC, Norwalk, CT

Lead Programmer Analyst

Education

Bachelor of Science (BS), Management Science & Information Systems (MSIS) / Minor in Chinese, The Pennsylvania State University, University Park, PA

Additional Skills

Language: Chinese Mandarin (Intermediate) Portuguese (Fluent) French (Intermediate)

Programming Language: SAS, JCL, Oracle SQL, Lotus 1-2-3, QMF, Turbo Pascal, Turbo C++ HTML

Applications: DOC1, Access, ADB2, GWD, Adobe Photoshop, Arena, Minitab, Pagemaker, Foxpro, TRIAD, Cyence, Angoss, CHAID

Operation Systems: Windows, MS-DOS

Mainframe: TSO/ISPF, CICS, File-Aid, Control-D/PC, InSync, DB2

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