Tingyan Zhang

Founding Team Member - Credit Analysis at in1bank Ltd
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Contact Information
us****@****om
(386) 825-5501
Location
Putney, New South Wales, Australia, AU

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Credentials

  • CFA Level 1
    CFA Institute
    Dec, 2018
    - Nov, 2024
  • ASA
    Society of Actuaries
    Oct, 2017
    - Nov, 2024
  • Associate of China Association of Actuaries
    China Association of Actuaries
    Jun, 2016
    - Nov, 2024

Experience

  • in1bank Ltd
    • Australia
    • Banking
    • 1 - 100 Employee
    • Founding Team Member - Credit Analysis
      • Jun 2021 - Present

      Build model for Credit Assessment Scorecard, serviceability calculation, loan pricing and scenario testing.

    • Founding Team Member - Reporting
      • Jan 2020 - Present

      RADI phase:1. Prepare and submit monthly and quarterly RADI returns via D2A and maintain all other returns in D2A;2. Build model for FCS reporting using EXCEL & ACCESS and write down procedures for executing the model;3. Build model for generating FCS payment files using EXCEL Macros and write down procedures for executing the model;4. Run FCS reporting whenever required;5. Build model for ARF 199 to include data from core banking system;6. Maintain BEAR documents.

    • Founding Team Memeber - Finance Area
      • Jan 2020 - Present

      RADI phase:1. Perform daily reconciliation between GL accounts & FCS reports and investigate/deal with the issues found in the daily reconciliation;2. Perform deposit UAT test cases relating to end of day/month, finance & Treasury, and reporting;3. Clear suspense accounts during deposit UAT;4. Perform Finance Assessment for deposit UAT;5. Perform deposit PVT test cases relating to end of day/month, finance & Treasury, and reporting;6. Test and complete interface to accounting system from core banking system;7. Perform scenario testing for ADI forecast in the Business Plan;8. Update all financial tables in the Business Plan;9. Perform loan ST/UAT test cases relating to end of day/month, finance & Treasury, and reporting;10. Perform Finance Assessment for loan UAT.

    • Founding Team Member - Risk & Compliance Area
      • Jan 2020 - Present

      RADI phase:1. ADI licensing project management on SmartSheet;2. Draft/review/update/format control of all documents for ADI licence application;3. Execute monthly RADI Risk & Compliance Monitoring Plan;4. Make Monthly Board & Management Reporting Dashboard;5. Perform scenario testing for ICAAP/PCR;6. Build/maintain risk workbook including liquidity model, scenario testing, ICAAP, etc.;7. Draft risk reviews & contingency planning for material outsourcing service providers including core banking system and payment processing system;8. Material Outsourcing Service Providers' contract monitoring on SmartSheet;9. Build interest calculation model in spreadsheet to check the calculation in core banking system;10. Check IT documents against APRA's prudential standards;11. Maintain Document Periodic Review List on SmartSheet;12. Review operations' procedures;13. Perform self-assessments for some ADI documents;14. Prepare/update credit proposal forms;15. Draft/build models for sample ADI disclosure statements;16. Prepare & translate (into Chinese) capital raising related documents;17. Chinese translation of website T&Cs, and Privacy Policy;18. Check Chinese translation of in1bank app;19. Prepare documents for External Auditors.

    • Founding Team Member
      • Jun 2018 - Dec 2019

      Pre-RADI phase:1. RADI licensing project management on SmartSheet;2. Draft 9 documents (out of 26) for RADI licence application;3. Review and update 17 document for RADI licence application;4. Study/be familiar with APRA's prudential standards relating to ADIs;5. Attend vendor selection related meetings;6. Perform scenario testing for ADI forecast;7. Prepare credit proposal forms;8. Format control of all in1bank documents;9. Draft procedures/registers for operationalising all RADI policies;10. Design customer journeys for onboarding and home loan;11. Chinese Translating work including capital raising IM, shareholding's agreement, term sheet, path-finder and investor letter.

  • Secvest Capital Pty Limited
    • Australia
    • Investment Banking
    • Associate
      • Mar 2018 - Present

      1. Research on companies in four industries (retirement & aged-care industry, infrastructure industry, financials industry and consumer products industry); 2. Annual industry review on the mentioned four industries; 3. Research on Chinese Noebanks; 4. Draft/Translate teasers, IMs, Term sheets and shareholder's agreement; 5. Daily Market Monitoring twice a day (AM & PM); 6. SIV fund management including maintaining asset register, calculating quarterly fund distribution, preparing year end accrual figures, redemption of funds and preparing fund holding statements); 7. in1bank project including drafting risk management documents, project plan management on SmartSheet and attending vendor selection meeting, etc.; 8. Take part in website design for Secvest Capital.

  • Guolian Life Insurance Co., Ltd
    • Finance Actuarial Officer Assistant
      • Jun 2014 - Feb 2016

      Pricing work: 1. Forecast and calculated the probable future cost of insurance benefits through EXCEL modeling 2. Calculated premiums for life insurance policies using the EXCEL model 3. Wrote actuarial reports Valuation work: 1. Calculated liabilities duration and convexity using the EXCEL model 2. Analyzed monthly operation results using the EXCEL model 3. Counted the settlement interest of universal insurance 4. Counted the combined loss ratio of short-term policy 5. Participated in working out financial solvency Reinsurance work: 1. Negotiated reinsurance contracts with reinsurance companies 2. Calculated reinsurance bill using EXCEL and ACCESS models 3. Negotiated facultative reinsurance with reinsurance companies

  • PING AN INSURANCE(GROUP) COMPANY OF CHINA,LTD
    • China
    • Insurance
    • 1 - 100 Employee
    • Senior Actuarial Analyst
      • Jun 2012 - May 2014

      1. data class reports: planned data daily report, planned data monthly report 2. analysis class reports: quality analysis weekly report, quality analysis weekly report 3. profits: profit accounting of tertiary institutions, profit and COR forecast (monthly, quarterly, semi-annual, annual forecast, respectively) 4. incentives: formulated quarterly indicators of each business unit, quarterly tracking and supervising of achievements of each business unit, performed counting and cashing incentive of business units at quarter-end 5. CIRC reports: monthly key insurance product data reporting, monthly abnormal data of key indicators reporting, quarterly branch operating report All work mentioned above were performed through EXCEL modeling.

  • Hannover Re
    • Germany
    • Insurance
    • 700 & Above Employee
    • Actuarial Specialist
      • Jul 2011 - May 2012

      Valuation work: 1. Maintained reinsurance policy experience database, imported reinsurance billing data into the database in accordance with the uniform format using ACCESS 2. Coordinated with regional headquarters actuarial team to complete the regular valuation reports 3. Prepared all actuarial reports that China Insurance Regulatory Commission required 4. Experience analysis and internal projects (such as reinsurance rate reviews) through EXCEL and ACCESS modeling Pricing work: 1. Provided empirical data and technical support for the product actuary through EXCEL modeling 2. Prepared reinsurance contracts for clients 3. Participated in client visits and helped maintain good relationships with clients

  • Nissay-Greatwall Life Insurance Co., Ltd.
    • Actuarial Specialist
      • Dec 2009 - Jul 2011

      1. Calculated statutory reserve for life insurance policies, health insurance policies, and casualty insurance policies using EXCEL and ACCESS models to double check for my college who uses the Actuarial Software called Vipitech 2. Settled up reinsurance bill through EXCEL and ACCESS modeling 3. Participated in regulatory solvency calculation through EXCEL and ACCESS modeling 4. Performed experience study about loss ratio and persistency rate of insurance policies through EXCEL and ACCESS modeling 5. Make business statistics report to China Insurance Regulatory Commission through EXCEL modeling

Education

  • UNSW
    Master's degree, Professional Accounting
    2016 - 2017
  • East China Normal University
    Bachelor's degree, Risk Management and Insurance
    2006 - 2010

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