Howard Hao is a data scientist, SCR, and sustainability activist with extensive experience in complex risk modeling and its application in banking and insurance. They held notable positions at organizations such as Bank of Montreal, Scotiabank, and the Financial Services Regulatory Authority of Ontario, where they contributed to credit risk validation, stress testing, and economic capital methodologies. Howard's educational background includes research and lecturing at Queen's University, focusing on statistical models related to credit risk. Currently, they serve as the Director at FSRA.
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