Tong Zhao

Tong Zhao, FRM, is a seasoned professional in the field of risk analytics, currently serving as Director of Global Risk Analytics at Bank of America since 2015. In this role, Tong Zhao has developed and maintained a centralized model system for the bank's retail portfolio, deploying it for regulatory reporting and profit and loss analysis. Prior to this, Tong Zhao held the position of AVP in Wholesale Credit and Market Risk Analytics at HSBC, where the focus was on creating Probability of Default and Loss Given Default models for Commercial and Industrial as well as Commercial Real Estate portfolios. Additionally, Tong Zhao worked as a Principal Associate at Capital One, where efforts centered around integrating data platforms for mortgage and credit card portfolios while addressing data quality improvements. Educational credentials include a Master of Science in Applied Mathematics and Statistics from Iowa State University and a Bachelor of Science in Applied Mathematics/Operations Research from Shandong University.