Experience

Bainbridge Capital Advisory
• United States
• Financial Services
• 1 - 100 Employee
• VP of AI/ML

  • Nov 2023 - Present


PayPal

• United States
• Software Development
• 700 & Above Employee

• Director of Machine Learning

  • Feb 2019 - Apr 2023

  San Jose Championed the strategic vision and roadmap for machine learning applications, elevating compliance, operational efficiency, and mitigating merchant fraud and credit risk. Highlights: • Conducted a comprehensive evaluation of AI/ML technologies, including deep learning, random forest, boosting, NLP, and classical statistical models, fostering a nuanced understanding of their strengths and limitations • Facilitated transparent and consistent communication by providing regular updates to… Show more Championed the strategic vision and roadmap for machine learning applications, elevating compliance, operational efficiency, and mitigating merchant fraud and credit risk. Highlights: • Conducted a comprehensive evaluation of AI/ML technologies, including deep learning, random forest, boosting, NLP, and classical statistical models, fostering a nuanced understanding of their strengths and limitations • Facilitated transparent and consistent communication by providing regular updates to business stakeholders, ensuring alignment and informed decision-making throughout the AI/ML research and implementation lifecycle • Spearheading the development and successful implementation of deep learning and NLP- based solutions, revolutionizing the way we combat merchant fraud and credit risk • Pioneering deep leaning and NLP based automation solutions for Sanctions Real-time Transaction Scanning (RTS) and PEP/PS scanning processes, resulting in 100+ headcount saving • Conducted research on Zero-Shot Learning technologies for brand risk management/content moderation • Designed and deployed an in-house user identity program by analyzing user engagement and behavior during KYC flow, offering a viable replacement for expensive vendor products • Engineered game-changing automation and case bundling solutions for manual review operations, resulting in 30% decrease in average handling time (AHT) and $10+ million loss benefit Show less



Airbnb

• United States
• Software Development
• 700 & Above Employee

• Data Science Lead, Trust and Safety

  • Nov 2017 - Nov 2018

  San Francisco Bay Area Lead Data Science for trust and safety - ATO - Financial fraud - Content moderation - Offline risk



Western Union Digital

• Senior Director, Risk and Payments

  • Aug 2012 - Oct 2017

  San Francisco • Built from scratch the risk and payments data science team and expanded to offshore • Orchestrated and executed an innovative product and risk strategy that not only tackled the world's toughest fraud challenges but also played a pivotal role in propelling Western Union's remarkable digital transformation. Key achievements include: -- Pioneering industry-leading authentication technology, setting new standards for risk control and fortifying our defenses against fraudulent… Show more • Built from scratch the risk and payments data science team and expanded to offshore • Orchestrated and executed an innovative product and risk strategy that not only tackled the world's toughest fraud challenges but also played a pivotal role in propelling Western Union's remarkable digital transformation. Key achievements include: -- Pioneering industry-leading authentication technology, setting new standards for risk control and fortifying our defenses against fraudulent activities -- Introducing the groundbreaking Auth-after-Review (AAR) methodology, the first of its kind, which resulted in a significant reduction in issuer declines, thereby enhancing the overall customer experience and increasing successful transactions • Successfully launched new payment options in EU and APAC (Sofort/Ideal/Trustly/Poli), effectively tapping into previously untapped markets and unlocking new business opportunities for Western Union Show less



Google

• United States
• Software Development
• 700 & Above Employee

• Data Scientist

  • Apr 2011 - Jul 2012

  Mountain View • Product data science -- Identified various drop-off points in Google+’s onboarding flow, and proposed product recommendation to reduce user abandonment -- Gmail user engagement analysis: analyzed how users’ activities correlate with their engagement. • Engineering data science (Gmail load balancing) - Designed a new metric that quantified user usage intensity (measured by user cpu time) and achieved 25% more coverage than existing metric.

• Principal Scientist

  • May 2007 - Mar 2011

  San Jose - Data science solutions for stolen credit card fraud and merchant non-delivery fraud - Applied R&D


Discover Financial Services
• United States
• Financial Services
• 700 & Above Employee
• Senior Statistician

  • May 2005 - May 2007