Joyce To
Data Scientist • AI Innovations Lab • FS, MI & GBFR, PE @ BNP Paribas
About
Born and bred in Hong Kong, working in the technology sector has always been a dream of mine. My passion for data science and artificial intelligence was sparked by my two years of working in data analytics roles, as well as the nature of my educational background. As a data scientist, I am now in a position to gain first-hand experience in applying different machine learning algorithms to solve business problems. As a trilingual speaker, I speak English, Mandarin, and Cantonese. Occasionally, I find myself fishing by the water, traveling around the world, or doing both.
Hong Kong SAR
Hong Kong
Investment Banking
Marketing Science, Market Analysis, Budget Preparation, Systematic Approach, Stressful Situations, Stakeholder Management, Root Cause Analysis, Information Technology, Analytical Models, Conversion Optimization, Data Standards, High Technical Aptitude, Report Preparation, Gap Analysis, Business Case Preparation, Requirements Analysis, Data Transformation, Business Process Improvement, Negotiation, Project Documentation
Experience
Data Scientist • AI Innovations Lab • FS, MI & GBFR, PE
BNP Paribas
Senior Data Scientist • Data & Insights
Rogers Sports & Media
Data Scientist • NA Retail Analytics (Precima/Retail)
NielsenIQ
Toronto, Ontario, Canada
Data Scientist
FD Technologies
Toronto, Ontario, Canada
kdb+ Developer
Data Scientist
KX
Toronto, Ontario, Canada
Valuation Actuarial Analyst
Foresters Financial
Toronto, Ontario, Canada
• Conducted data mining and sensitivity tests for company portfolio to assess company's $16.4 billion liability reserves and analyzed irregular reserve patterns. • Tested scenario interest rate, lapse and mortality assumptions in AXIS dataset. • Investigated trends in profitability, benefit payouts, and new business products between quarter. • Implemented cells into AXIS dataset and compared reserves to determine impacts.
Business Development Actuarial Analyst
Reinsurance Group of America, Incorporated
• Perform in-depth research and analysis to compare all existing life insurance products, automating returns calculations, and creating graphical illustrations for senior management. • Provided actuarial and technical support for the execution of daily quote activities. • Cultivated strong relationships with ceding companies through company's conference and consolidated client's requested and shape the direction into written proposals.
Pricing Actuarial Analyst
FWD Insurance
• Tested pricing, policy value, and assumptions of new products during the product lunching process Planned and executed test plan and conducted user acceptance testing on new products. • Maintained accuracy of historical data for enhanced data credibility. • Calculated premium rates indication, created reports and special quotations for internal and external audiences.
Pricing Actuarial Analyst
Sun Life
• Responsible for Whole Life and Universal Life product maintenance, including life policy special quotation and regulatory enforce testing of non-guaranteed elements and illustration. • Executed UAT test plan and conducted user acceptance testing on the company's policy system. • Build Excel tools to improve process efficiency: macros for premium, benefit value calculations.
Accounting Intern
H&R Block
Beamsville, ON
• Filed over 20 tax returns for clients over the course of a single tax season • Validate each tax return is filed accurately through high attention to detail and extensive double-checking
Education
University of Waterloo
Mathematics/Business Administration with Statistics (Actuarial Science)
• Coursework in Financial Mathematics, Corporate Finance, Database Management, Applied Linear Models and Process Improvement, Experimental Design, Forecasting, Time Series, and A/B Testing • Awarded University of Waterloo International Experience Award • Received President's Scholarship • Spring 2020 Distinction • Continuing education in Machine Learning
Illinois Institute of Technology
Joyce To's Contact Information
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