Stacy Qi

-Directed French CASP and Middle East VASP license applications — owning risk framework design, regulatory documentation, and outsourcing partner assessment. -Owned board-level and regulatory reporting, ensuring ongoing audit readiness and governance transparency across all risk domains.

-Designed end-to-end risk architecture for a compliance SaaS platform, covering KYC, AML, KYT, and onboarding risk logic. -Developed on-chain monitoring rules and anomaly alert systems, integrating multi-dimensional blockchain data to improve detection precision. -Established interim governance and compliance infrastructure pre-launch, enabling product and regulatory readiness from day one.

-Led global CEX risk strategy across KYC, ATO, payment fraud, phishing, and incentive abuse — managing the full user lifecycle risk on a global exchange. -Directed EMI license application and secured regulatory approval for European crypto entities; managed ongoing regulator engagement. -Partnered with VISA to launch KuCard, embedding risk controls across the full payment authorization and settlement flow. -Built cross-functional risk governance model spanning Compliance, Tech, and Operations; delivered board-level risk reporting. -Intercepted multi-accounting and fake referral abuse in marketing programs, improving ROI and ensuring incentive spend converted to genuine user growth.

-Led fraud risk strategy for Binance.com (global) and Binance.US across card and ACH payment channels, managing risk at scale across millions of transactions. -Built Binance's first unified monitoring and escalation framework for suspicious payments — a foundational infrastructure still used post-tenure. -Managed vendor integrations for KYC, KYT, and fraud tooling; maintained fraud rates within Visa/Mastercard scheme thresholds in all markets. -Supported compliance and legal teams through regulatory audits across multiple jurisdictions.

-Led end-to-end credit risk strategy for personal loans: model development, pricing, policy design, and acquisition channel evaluation. -Built ML-based credit risk models (LightGBM, logistic regression) to improve approval precision and enable risk-based pricing — without increasing default rates. -Dynamically adjusted channel intake weights based on traffic quality assessment, directly informing front-end acquisition strategy and spend allocation.

-Designed global fraud prevention strategies for large merchants, covering account takeover (ATO) and transaction fraud across high-volume payment flows. -Built Tableau dashboards for real-time merchant risk monitoring; identified emerging fraud patterns and deployed interception rules in production. -Translated case-level fraud analysis into scalable rule-based and model-driven controls, reducing loss exposure across merchant portfolios.

-Developed credit card acquisition risk models with a focus on variable design, data cleaning, and parameter tuning. -Improved approval targeting between high-risk applicants and revolvers through model-driven segmentation, enhancing portfolio quality.