Jianzhong He

Lead the company’s expansion and strategic development across North America, with a focus on establishing a compliant, scalable foundation for cross-border financial services. Key responsibilities include: • Leading XTransfer’s U.S. market strategy and overall business operations. • Supporting the company’s license applications and building constructive engagement with federal and state regulators. • Developing partnerships with banks, payment institutions, and fintech ecosystem partners. • Strengthening compliance, risk management, and operational governance frameworks tailored to U.S. standards. • Driving innovation and efficiency in cross-border payment solutions to better serve global SMEs.

• Managed financial institutions, corporate banking, international business, cross-border financing, and financial markets. • Increased interbank deposits by 200%; grew asset custody scale by 30%; cross-border finance grew by 25% year-over-year; ranked first in incremental financial markets across the branch. • Strengthened relationships with government bodies, leading to the signing of strategic cooperation agreements.

• Led operations for 8 departments, 5 branches, and Houston offices, overseeing a team of 90 staff members. • Developed strategic plans and managed key client relationships, personnel assessments, and performance evaluations. • Increased assets by 30% over three years; personal loans grew at an average rate of 50% annually, with revenue doubling. • Fully resolved non-performing loans, reducing them by 90% with no new bad debts. • Optimized the branch network and core business teams, doubling per capita profitability.

Manage the daily banking and financial services operations and activities of the Bank in the Houston Region, ensuring that ICBC's corporate values, business franchise, and best banking practices adhere to that Region; Implement goals and business plans of ICBC-USA for the Houston Region, particularly in providing banking and other financial services to Chinese corporate/business clients that are and will be doing expanded business in the Houston Region; Manage and supervise the staff of ICBC-USA’s Houston Region, in accordance with ICBC’s policies and applicable laws and regulations, including the recruitment and training of the professional staff, assignment of work responsibilities and duties, supervision of the staff and, when necessary, dismissal of underperforming staff members; Manage ICBC-USA’s business development operations in the Houston Region, including commissioning the market research and analysis required to identify new business development opportunities in line with the Bank’s goals, strategies, and business plans, identify new product opportunities and approve and review the feasibility analyses to quantify and forecast the likely impact to ICBC-USA; Develop and manage relationships with large corporate entities to meet their funding requirements and other banking needs; Develop relationship plans and client contact strategies to meet ICBC-USA’s business goals and objectives, and oversee the implementation of new business development strategies in the Houston Region; Attain established individual, department and bank-wide business development goals through active supervision and participation in sales management and officer call programs; and Evaluate the performance of degreed professional and other subordinates and work with them to develop and implement individual performance and growth objectives and then monitor and appraise their performance.

• Led a marketing team of to promote the bank’s image to the niche market and banking community. Made the bank to the #1 foreign bank in terms of total assets and profit in Pakistan in 2015; • Member of the credit committee, finance committee, new product committee; • Research and draft annual marketing and credit plans; • Participate on the Credit Committee, focusing on credit facility approval, regular review of asset portfolio and provisions; • Design, establish and monitor effective and efficient internal procedures for credit deals; • Coordinate internal and external resources to ensure the effectiveness and efficiency of marketing and credit functions are maintained; • Represent and promote ICBC’s image to the niche market and local banking community; • Formulate performance appraisal system for relationship managers.

• Rotation in different departments including corporate banking, investment banking, credit, risk management, and retail branches. • Senior relationship manager, corporate banking