Joie Zhang

- Consolidated with secured partnerships with major banks, exchanges, etc. - Achieved the launch of BB U Card, and providing a crypto-card payment solution. - Spearhead digital currency wallet solutions , including OTC trading, payment gateways, and compliance frameworks. - Defined user personas, pricing models, and go-to-market strategies for institutional clients. - Managed product roadmap, sprint planning (Agile/Scrum), and stakeholder alignment across engineering, compliance, and banking partners.

- U Card (VCC) Project Lauched - Built [Leptage Wallet] (Web3), enabling crypto payments, staking, and institutional custody; grew user base within the year. - Designed FX risk management system, reducing currency exposure by 20% through dynamic hedging strategies. - Optimized fund settlement workflows, cutting reconciliation time by 70% via automated clearing systems. - Led OpenAPI integrations* partnering with 5+ exchanges and liquidity providers.

Direct Reports: 2 Taking care of the back and middle office of the firm, including liquidity management, cash money pool, balance sheet and profit and loss account. Identified the gaps, loopholes and deficiencies in policy/process/metrics. Chanllenged and approved the impairment. Initiated new programs to drive optimization to enhance the fulfillment and experience. Worked closely with SG/Maylaysia team achieving business strategy. Developed capability and skills in risk defense. Enbeded robust controls among intersystems and managed controls and best practice in Ops module, framework and procedures. Follows up risk metrix and dashboard to track and monitor the risks and actions. Continiously improved and worked with team minimising accounts alerts and impaired accounts. Provided advice and improvement on early problem recognition. Working on documentation, coaching and intersystems enhancement projects.

Direct Reports: 5 Leading Commodity team fulfilling business’s objectives. Allocating Ops activities (docs checking, KYC, AML screening , structured financing, facility review, settlement, BOP, etc.) Oversight/monitoring margins. Providing guidance/advice to outsourcing manager and assessed risks. Coaching new joiner for procedures, best practice, and incidents sharing. Report incidents and identified the rates. Followed up remedies until the action plans were performed. Project manager to align ops model with regions (SG). Reviewer on RISK indicators such as risks assessment (KRI, RCSA, BIA, BCP etc) Trade Service SLA reviewer internally and regionally. BCM document preparation and assessment. People management for goals setting and annual appraisal.

Direct Reports: 4 Provided excellence service to the clients in China, and also we provided SLAs to London (headquarter) and SG (Asia Center) serving in Asia timezone. We provided services to trades on Base Metals/Precious Metals/Bulk/Energy, and offered competitive collateral service management, trade finance, Futures/Options. Performed spot inspection on the goods in warehouses/in-transit. Hedged the commodities in case of failure of loss in future market (SHFE/SGE). Enbeded changes/enhanced controls in risk framework , and worked out best practice strengthening controls and risk metrix. Aligned local risk/control framework with region (SG). Detected risks and worked on risk indicator assessment. Worked on recovery procedures and implementation of strategy. Local coordinator performing on annual RCSA review and KRI/BCM review.

Lead ops team fulfilling business requirements. Initiated project management and successfully completed BAD system online. Coached and trained team members. Collaborated with Singapore team cross supporting Chinese clients completing cross border transactions. BCP coordinator.

Performed daily BAU maker and checker. Supported Business/RM by providing excellent services. Excellent in trade finance products/cash products workflows. Regulatory reports and reconciliation performer. A quick learner and a good team member.