WINIFRED

Belmont, CA 94002

Tel: (650) 631-3818 e-mail: wjiau@xgate-3d.com

EDUCATION

Stanford University, Stanford, CA, Master of Science, Statistics

National Taiwan University, Taipei, Taiwan, Bachelor of Science

EXPERIENCE

Financial Analyst, 1992 ? 1994

Personal Investment, Bank of America, San Francisco, California

· Assisted in, planed & conducted financial scopes for various private clients, including escrow, collateral, trust and fiduciary accounts. $15,677 M was under management of the agency of the bank.

· Associates work closely with the senior traders and fund managers in all aspects of the investment process, financial modeling, due diligence and industry analysis. Investments included fixed income (treasury notes, commercial papers, and SLG), equities, and sweep funds.

Financial Manager, 1995 - 1996

ITT Residential Capital Corporation, San Francisco, California

Managed loan portfolios of FNMA, GNMA, and PRIVATE for fix or arm. Worked with underwriting and marketing department to developed loan products. Identified risk areas to corporate management.

• Developed a statistical regression model to forecast mortgage prepayment (Excel, SAS).
• Analyzed monthly business operations, priced servicing portfolios, projected market trends and hedged portfolios. Assisted in trading company loan portfolios at secondary market.
• Designed and Created loan borrowers database, estimate delinquency rate (Access, SQL, Visual Basic).

Business Consultant, 1997 ? 2001

· Marketing Information Services, Providian Bancorp, San Francisco, California

- Developed and calibrated a credit card scoring model for risk management in using SAS. Responsibilities include developing project plans, leading team activities, providing guidance to team members, scope tasks, tracking and disposing action items.

- Designed and implemented marketing promotions/campaigns database, response analysis, reporting system.

- Migrated marketing applications from an IBM mainframe to a UNIX, Sybase client server environment.

· Wells Fargo Bank, San Francisco, California

- Telephone Banking: Applied statistics methodology to integrate Voice Response System (SAS). Analyzed and conducted cross-selling products for telephone banking. Performed application development and implementation activities for MVS and PC LAN applications.

- OFS Systems: Integrate Wells Fargo and Norwest Bank's on-line customer database, and customer services to Siebel CRM(6.0) call center application. Responsible for interface design and integration with workflow engine. Hands-on coding in VB script and Siebel Tools.

· Survey, Market Research, Kaiser Permanente, Oakland, California

- Designed and programmed statistical analyses for marketing division to improve customer satisfaction; including questioners design, data analysis, and regression model, etc. (SAS, DB2)

- Wrote automated survey development system in SAS via NCS Opscan scanners.

· Global Application Integration, Oracle Corporation, Redwood Shores, California

- Developed, enhanced, maintained and supported Oracle Financial Application, integrated Human Resource and Payroll modules into other Oracle financial applications. Assignments included analysis, design, programming, testing and user support.

- Developed and maintained HR user group on web site to meet employee?s needs, such as benefits, job posting, and employee directory.

· Ernst & Young LLP Company, Cupertino, California

- Communicated with clients and business management to design or implement RDBMS or Object databases for internet applications which are applied in banking, tax filing, and strategic consulting businesses.

- Architect Knowledge Management database, responsible the database distribution and the integration to other third party software, including Vantive, Siebel CRM.

- Proficient with Microsoft Word, Excel, Power Point, MS Project, and Rational Rose, Test Manager.

· Graphic Gems, San Mateo, California

- Designed, developed, and implemented Graphic Gems software architecture and business plan. Helped complete two rounds of company financing by International investors and venture capital firms. Graphic Gems is a leading ASP provider of rich contents for on-line shopping. Outlined company's strategic planning and organizational design effort that positioned company for rapid growth.

- Gathers business intelligence on current and potential customers; market and technology trends; pricing forecasting; and competitive analysis, distilling valuable insights and recommending courses of action and prioritization of opportunities.

- Making recommendation to acquire strategic partners and corporate investors such as Intel, Panasonic. Engaged customer accounts including HP, Sony, Panasonic and Yahoo Shopping.

· Bing Yang Video, Inc, Cupertino, California

Developed revenue sharing model, wrote business plan, and negotiated a join venture program with Blockbuster for a Chinese video distributor. Plan was to consolidate and franchise Chinese video rental market in North America.

Co-Founder, 2002 - 2003

Buena Vista Networks, Belmont, California

• Developed concepts, wrote business plan, and built a product prototype for a Wi-Fi roaming and management software application. The software was designed with a Layer 3 approach and IPV6 protocol resided in Access Points. Long-term prospects were to provide securities, roaming and capacity management of WLAN.
• Responsible for all the financial activities, including venture capital presentation, term sheets negotiation, legal relations, and recruited engineer team etc..

· Secured LOIs from industry leaders, including D-Link, Linksys.