MBA, financial analyst

YUE (CYNTHIA) CAO

412-***-**** adiybt@r.postjobfree.com Secaucus, NJ

EDUCATION

CARNEGIE MELLON UNIVERSITY, TEPPER SCHOOL OF BUSINESS Pittsburgh, PA Master of Business Administration – MBA (STEM designated) 03/21

• Concentrations: Business and Technology, Finance, Strategy, Sustainability

• Memberships: Business & Technology Club, Graduate Finance Association, Tepper Women in Business NATIONAL UNIVERSITY OF SINGAPORE Singapore

Bachelor of Arts in Economics 6/11

• Honors: French Language Immersion Award (2009)

• Activities: Sciences Po at Paris France Exchange Student (2010) EXPERIENCE

CARNEGIE MELLON UNIVERSITY / PricewaterhouseCoopers (PwC) New York Pittsburgh, PA Research Associate (Summer Internship) 06/20–08/20

• Project Management: Designed a simulated stress test and recovery environment for PwC Cyber Security and Privacy Advisory team. The results enabled the PwC developers to build and be implemented by PwC clients to withstand or quickly recover from a major disruption.

• Operating Model Design: Defined functional and technical requirements. Integrated with technologies and other company tools to enable feeds from various data sources. CINDA INSURANCE MARKETING CO, LTD (China State-Owned Enterprise) Soochow, China Senior Finance Associate 7/18–7/19

• Financial Forecasting: Captured existing cash flow of $5M to $10M overnight and future funding needs to better support business operations. Built financial models using historical data and provided forecasts based on various metrics, achieved accuracy of 30% higher than the previous average.

• Innovation: Established cash pool and centralized overnight funds to maximize cash and liquidity. Reversed cash flow from an average of negative 2M to +3M overnight through centralization of funds within 6 months.

• Presentation and Communication skills: Prepared presentations to government regulators and maintained excellent relationship with local Tax Bureau and China Bank and Insurance Regulatory Committee.

• Process Improvement: Adjusted different measures to better capture specific needs from various business units, such as: life insurance, property insurance and liability insurance, improved working efficiency about 40%. CITIBANK NA Singapore

Corporate Treasury Specialist 8/16–8/17

• Analysis: Analyzed balance sheet optimization as well as liquidity & capital utilization relative to evolving regulatory requirements and internal objectives and constraints.

• Risk Management: Owned regional liquidity stress testing and provided relevant scenario analysis to ensure the bank was compliant with Basel III regulatory liquidity models, such as LCR, NSFR, etc.

• Business Strategy: Led to optimize drivers of liquidity consumptions, remediate limit breaches and target flashes, and conducted liquidity impact analysis of proposed business changes to execute Liquidity Solutions strategies.

• Analytical Skills: Contributed to Finance/Treasury re-engineering and automation initiative named project Harmony. Programmed strategic system rules and sent for UAT integrations, increasing time saved by 30%. CREDIT SUISSE AG Singapore

Global Cash and Liquidity Management Analyst 1/15–7/16

• Analysis: Maintained daily cash management of over 400 external bank accounts in over 20 currencies for all entities across APAC and Europe regions. Prepared real time reports to money market funding desk to ensure minimum funding costs were incurred while there was adequate overnight liquidity.

• Liquidity Management: Monitored and analyzed intra-day liquidity movements to minimize huge fluctuations in bank accounts.

• Cross-Functional Collaboration: Collaborated with Private Bank Relationship Managers and coordinated with payment operations and settlement teams to forecast and reserve funds for Ultra High Net Worth Clients. ADDITIONAL INFORMATION

• Other Experience: Apple Inc (Online Store Senior Customer Support, 11/2011-10/2014, Singapore)

• Technical Skills: Microsoft Office Suite, MongoDB, R, SAP, SPSS, SQL, SWIFT and Tableau.

• Language: English and Mandarin (fluent)

• Nationality: Singapore (US H1-B1 visa eligibility)

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