Lawrence Lo, PMP®

Experience

• 

  Cathay United Bank

  Jul 2009 - Apr 2010

  Management Associate

  1. Rotated and co-worked at branch and consumer banking departments to provide suggestion of optimizing workflow and enhancing branches sales performance. 2. ‘Individual Optimal Portfolio System’ has been adopted and implemented for branches.

• 

  Homax Development Group

  Apr 2010 - Dec 2011

  Assistant to Chairman

  Luxury Management - handled NT$1.8B luxury goods. (lessened NT$40M and 2.5 months of project)- successfully matched a NT$ 35M yearly house rental deal with Chrome Hearts.

• 

  Cathay United Bank

  Dec 2011 - Jan 2017

  Product Manager

  Leader in Mobile Payment Solutions / Go-To-Market Practitioner1. Established Ecosystem Model (2016)- Researched and built “rewards to pay in shopping area” model and led in Taichung Fengyuan (middle Taiwan county), amplified marginal business opportunities by connecting local branch with merchants, and successfully engaged 50+ famous merchants’ to put O2O ecosystem into practice.*news link as below and business model was also applied to Taipei Dongmen shopping area in 2017.https://anm.frog.tw/國泰世華推動全台首座紅利數位商圈-紅利點數價值/2. First Mover of Mobile Payment Solutions (2012-2015)- Launched and managed 2012 HTC micro SD based mobile credit card / 2013 OTA (Over The Air) sim based mobile credit card / 2014 MasterPass online wallet (faster online checkout solution co-work with Mastercard), QR code on card statement (card fee instant pay service to reduce operational expenses paid to 3rd parties / 2015 Acquiring projects, such as POS terminal combined with ticket function and business negotiation with global merchants, such as H&M and Apple.3. Business Planning for Overseas Market and Attend to Foreign Visitors- Proposed suitable business action plans for CUB Vietnam subsidiary. - Attended to visiting guests from Japan, Cambodia, Indonesia and shared achievements of mobile payment services. Show less

• 

  花旗集團

  Feb 2017 - Aug 2023

  Digital Transformation / Business Development / Project Management1. Establishment of Emerging Payment Chains (2017-2021)- Responsible for end to end management of emerging payment products through the product lifecycle from defining objectives, strategy and roadmap, launch to ongoing product monitoring and oversight in terms of business metrics, control framework and comprehensive risk management.- Emerging payment chains: 2017 Samsung Pay (token) / 2018 Apple Pay (token) / 2019 co-op with digital wallets providers, such as LINE Pay, JKO, Uber Eats, food panda, to rapidly expand Citi payment network / 2020-2021 NCCC & FISC platforms value added services, such as micro payment, e-health pay, authentication platform.- Ranked 1st among Citi APAC countries in token services as successfully engaging 60% of Citi customers and maintaining 20% activation rate.2. Business Development and Campaign Management (2018-2021)- Developed business with cross-category industries, negotiated deals and managed contract, assessed P&L and program efficiency.- Closely worked with merchants and planned specific campaigns in strategic mindset to differentiate from competitors. Outstanding results are: cama café: proposed Citi Apple Pay users to spend with bidding cama café app and to enjoy discount offer.Sushi Express: published exclusive meal for Citi Apple Pay customers with higher ticket price hurdle, and also allured Citi non-Apple Pay customers to come spending.3. Project and Business Risk Management (2017-2023)- Main contact for Taiwan: managed all regional team’s compliance tasks, assessed new business initiatives and made them from 0 to 1.- System Enhancement: managed multi-national internal and external APAC stakeholders to achieve milestones of digital services. - Risk Management: handled urgent regulatory requirements to mitigate business risks, including consumption vouchers, control of payments on crypto platforms, 3DS OTP on 3rd party payment applications, etc. Show less

  • Assistant Vice President

    Feb 2017 - Aug 2023

  • Assistant Vice President

    Feb 2017 - Aug 2023