Christine Chen
Verified Expert in Product Management
Product Manager
Boston, MA, United States
Toptal member since May 6, 2022
Christine is a fintech product leader specializing in data, payments, card operations, credit risk, business analysis, product roadmap, wealth and asset management, and alternative investments. She focuses on AI and ML and shapes product vision, design, and development. Christine's achievements span democratizing a payment and investment app, orchestrating a multi-million-dollar investment platform, leading AI product discovery, and spearheading enterprise-wide cloud transformation.
Project Highlights
Expertise
- Cross-functional Collaboration
- Financial Forecasting
- Financial Products
- Leadership
- Product Roadmaps
- Product Strategy
- Strategy
- User Personas
Work Experience
AI Knowledge Architect
Hearst - Technology
- Automated and built agent legacy workflows using foundation models (Claude and GPT), Lovable, and OpenClaw.
- Collaborated with stakeholders across the organization on AI-related initiatives.
- Worked as a key player in building and designing AI architecture.
Project and Product Manager
Alotten, Inc.
- Led a comprehensive organizational assessment of 17 agile coaches, product owners, and UX designers for a mutual company, evaluating delivery maturity, decision-making, collaboration, and execution effectiveness across product and engineering teams.
- Assessed and benchmarked Agile, product, and UX practices, identifying strengths in alignment and talent while surfacing gaps in standardization, governance, metrics, and operating consistency.
- Developed enterprise-level recommendations to improve product governance, Agile consistency, decision ownership, and delivery effectiveness, including CPO-level operating models and standardized scrum practices.
- Designed a scalable product operating framework covering metrics, intake models, role clarity, tooling, and cross-functional collaboration, shifting teams from reactive execution to proactive delivery.
- Advised leadership on long-term capability building, including product metrics, AI-enabled innovation, talent development, and communities of practice to support sustained growth and organizational maturity.
Angel Investor
Angel Investing
- Invested in a physician-led, AI-enabled healthcare platform delivering longitudinal, outcomes-driven care for chronic and complex conditions, supporting its growth during an M&A process.
- Backed a patented, security-first software company building hardened authentication and access-control infrastructure for high-risk, regulated environments during its M&A process.
- Invested successfully in an FDA-approved digital therapeutic company, climate fintech SaaS, and trust infrastructure platform.
Product Manager | Fintech Systems
Silicon Valley Bank (Primary) - Main
- Defined a forward-looking AI and CDP strategy, evaluating vendors and use cases across Salesforce CDP, Snowflake, AWS, and AI/ML tooling, to unify customer, transactional, and behavioral data for analytics.
- Implemented an optimized workflow process that saved the firm 5,000 hours annually, driving operational efficiency and significantly reducing resource costs.
- Developed a forward-looking AI adoption strategy, identifying key vendors and use cases to drive innovation, enhance scalability, and future-proof business operations.
- Defined a forward-looking AI and data platform strategy, including assessment of CDP capabilities to unify customer, behavioral, and financial data across lending products.
- Identified priority vendors and use cases to enable advanced analytics, automation, and personalization.
Product Manager | Product Strategist
CIBA Health
- Collaborated with clinical leadership, product, and engineering teams to embed AI-enabled care pathways into existing health system infrastructure.
- Focused on interoperability, clinical workflow alignment, data governance, and scalable deployment across provider environments.
- Received praise from the Mayo Clinic on strong integration.
Cloud Product Owner
S&P Global
- Led a large-scale transformation program migrating 440+ business applications to a cloud-first architecture using AWS (EC2, S3, RDS, IAM), improving resiliency, disaster recovery, and cost efficiency while retiring legacy infrastructure.
- Directed the migration from on-premises data centers to cloud platforms, working extensively with data lakes (AWS S3), data warehouses (Snowflake), and modern data architectures to support analytics and downstream activation.
- Designed and supported a CDP-ready data architecture, enabling unified customer and product views across Snowflake, cloud data lakes, SaaS applications, and analytics tools, laying the groundwork for personalization and AI-driven insights.
- Led cross-functional discovery and design workshops to identify high-value cloud and data use cases, including AI-driven analytics and CDP-enabled insights, resulting in prototypes and prioritized delivery roadmaps.
- Oversaw the implementation of transformative cloud solutions as the program lead for transformation and FinOps initiatives, optimizing operational efficiency and cost-effectiveness.
- Designed data workflows that harnessed the capabilities of the cloud, facilitating efficient and secure data management and analysis within the organization.
- Worked with Power BI for reporting analytics and cloud data visualization tools.
- Directed network isolation, AWS account migrations, shared service transitions, and cost management during the separation of two entities, ensuring no customer impact, optimized operations, and alignment on licensing and cloud strategies.
Product Manager | Product Strategist
Curio Digital Therapetuics
- Worked with senior executives to build a product roadmap and commercial growth strategy supporting payers and employers.
- Fundraised $10 million USD successfully in Series A.
- Worked with clinicians on platform validation and patients on user experience and user journey.
Senior Project Manager
Sunlife SLC Management
- Led the finance function through a company-wide systems overhaul at SLC Management, rolling out a new general ledger aligned with IFRS 9/17 and building investment accounting and reporting capabilities.
- Partnered with senior leadership on future-of-work space planning and complex accounting matters—including affiliate put liabilities and legal entity reporting—bridging strategy with regulatory execution.
- Recognized as the person leaders rely on to step into complex, cross-functional challenges, owning the problem, aligning stakeholders, and driving initiatives to the finish line.
Program Manager
Hearst Technology
- Led the development and execution of an enterprise cybersecurity strategy spanning cloud infrastructure (AWS), SaaS platforms, data lakes, and CDP environments, protecting sensitive customer and financial data at scale.
- Managed complex cybersecurity programs covering risk management, security architecture, identity and access management (IAM), and compliance, securing customer data across CDP pipelines, data warehouses (Snowflake), SaaS tools, and internal systems.
- Conducted rigorous risk assessments and vulnerability analyses using industry-standard tooling across cloud workloads, data ingestion pipelines, CDP integrations, and third-party SaaS vendors, implementing mitigation plans to reduce exposure.
- Ensured compliance with industry regulations and standards, maintaining comprehensive documentation to demonstrate adherence.
Product Director
Scotia Wealth
- Led a $100+ million SaaS-based investment management platform initiative supporting $60 billion in assets under management. Oversaw product development, ensuring alignment with client requirements and strategic objectives.
- Led the full discovery phase with well-known vendors to evaluate business capabilities, including client onboarding, rebalancing, model management, order management system, performance attribution and analytics, reporting, and compliance/oversight.
- Managed the product roadmap and backlog. Directed the conversion of project team members into Scrum, including business analysts, business systems analysts, SMEs, product owners, technology leads, QA testers, UI/UX designers, and selected vendors.
Vice President
Wells Fargo
- Supported enterprise retail banking operations involving account lifecycle management, regulatory oversight, and credit product governance.
- Developed deep familiarity with new account onboarding workflows, including approval logic, operational exception handling, and integration with core banking systems such as FIS.
- Gained an understanding of KYC, CIP, and regulatory compliance frameworks governing account opening and customer verification in large U.S. banking institutions.
- Coordinated returned mail processing and customer record maintenance, ensuring accurate address verification, data reconciliation, and adherence to retention and documentation requirements.
- Worked across operations and compliance teams to maintain accurate customer contact data and regulatory communications standards.
Product Lead
CIBC Wealth Management
- Led product ownership and technology business analysis for a $40 million CAD digital private wealth management platform.
- Collaborated with cross-functional stakeholders to develop a comprehensive product roadmap.
- Persuaded the C-suite to adopt an innovative solution after a 16-week discovery workshop.
Vice President | Product Manager | Program Manager | Project Manager
Goldman Sachs, JP Morgan, Wells Fargo, Deutsche Bank, and Barclays
- Recognized as one of the top 5% of employees at Goldman Sachs. Received accolades from regulators, who praised the final deliverable as the "industry's best practice" and a new "industry benchmark," affirming the high standard of work delivered.
- Became familiar with branch service request (SRQ) workflows, operational escalation paths, and issue resolution processes in large retail banking environments.
- Led a team of 15 experts to design a sophisticated $5 million database application with advanced user interface capabilities. The first phase of this project notably enhanced the speed and efficiency of decision-making by approximately 10%.
- Orchestrated and managed a team of 20 prominent US HSBC leaders and stakeholders, focusing on a credit risk regulatory turnaround. Within a remarkably swift timeframe of three months, the project status was transformed from "red" to "green."
- Recruited with a 25% salary increase to spearhead the overhaul of Deutsche Bank's credit trading architecture in the United States. My efforts led to a comprehensive redesign of the entire US risk infrastructure.
- Led a team of associates at JP Morgan in creating a 100+ page monthly metrics-driven deck. The deck monitored credit risk compliance with the SEC and the Federal Reserve. Worked on JP Morgan cards initiatives.
- Drove consensus at JP Morgan, involving significant credit risk model revisions for Chase cards, system upgrades, application integration, SQL database reconfigurations, and buy-in from all affected stakeholders, including senior managing directors.
- Led a high-risk migration of 12 million credit card accounts to a new Chase processing platform, redesigning workflows, tightening regulatory controls, and improving reconciliation accuracy.
- Leveraged experience with card lifecycle management operations, including lost or stolen card handling, temporary account blocks, fraud prevention policies, and card reissue processes.
- Supported account investigations and service request resolution, including ticket triage, root cause analysis, and coordination across operations, risk, and product teams.
Project History
Investment Platform for the Future
Led the product roadmap and backlog of a multi-million, multi-year investment platform.
Investment platforms are used by financial advisors to manage client portfolios/relationships and book/execute trade orders while meeting firm and regulatory requirements.
Having a comprehensive platform that enables low latency, data accuracy, and a feedback-intensive solution is critical to the success of the advisors and serves as a crucial competitive advantage.
Senior Business Consultant
Led a diverse team of 20 individuals for a 16 week discovery workshop and negotiated with senior cross-functional stakeholders resulting in a comprehensive strategy and product roadmap for a bank's future wealth management capabilities.
I was the senior product owner responsible for the development and implementation of a new, innovative, Canadian Dollar (CAD) $40 million digital private wealth management platform supporting CAD $50 billion for the bank. I was also the leader of the bank’s first team to define and develop a coherent private wealth management strategy and partnership with a compatible vendor, succeeding after seven years of failed attempts and CAD $10 million in losses.
Vice President
Presented final implemented results, gaining a unanimous vote of approval from the bank's risk and compliance operating committee in recognition of the deliverable’s high quality, speed, and precise adherence to regulatory guidance.
I spearheaded a 20+ member international project team within corporate risk to develop and implement a critical independent risk management process, preventing the closure of all international businesses and further regulatory fines for the firm.
Senior Program Lead
Organized, led and executed a cybersecurity program for a 300+ entity enterprise, including the evaluation of multi-year vendor.
I developed a cybersecurity strategy for Hearst’s technology infrastructure and led a cross-functional program team to strategize and execute key deliverables. I also provided recommendations on cybersecurity strategies for fintech, healthtech, and consumer-tech.
S&P Global
Supported data center migration from on-prem facilities to AWS cloud post merger with IHS Markit; utilized PowerBI and Tableau to support capacity planning
I was responsible for a data migration program for the largest data provider in the world, supporting scalable and effective capability models for staffing, operations, training, change management, data source of truth, data and business models, and project KPIs.
Education
Bachelor's Degree in Commerce
Queen's University - Kingston, Ontario, Canada
Certifications
No Code AI and Machine Learning: Building Data Science Solutions
MIT Professional Education
CFA
CFA Institute
Skills
Tools
Microsoft Power BI, Asana, Jira, Slack, Zoom, Confluence, Azure Active Directory, ETL, Tableau, Claude
Paradigms
Key Performance Metrics, Agile Product Management, Agile Project Management, Scrum, Requirements Analysis, Data Product Management, Quantitative Research, Change Management, Agile, B2C, Agile Software Development, Azure DevOps, Human Interface Design
Industry Expertise
Digital Banking, Insurance, Healthcare, Financial Services, Nonprofits, Pharmaceuticals, Credit Systems, Asset Management, Marketplaces, Psychology & Mental Health, Biotechnology, Venture Capital
Platforms
Twilio, QlikView, AWS IoT
Other
Strategy, Data Analytics, Product Roadmaps, Negotiation, Leadership, Product Vision, Communication, Senior Executive Management, Financials, Financial Systems, Client Services, Client Relations, Cross-functional Collaboration, Product Strategy, Financial Statement Preparation, Financial Forecasting, Financial Products, Project Management, Regulations, Product Management, Fintech, Product Owner, User Stories, Stakeholder Management, Technical Product Management, Digital Product Management, eCommerce, Program Management, IT Infrastructure, Risk Management, Risk Analysis, Cybersecurity, Channel Strategy, WhatsApp, SMS, Business Analysis, Feature Prioritization, Product Requirements Documentation (PRD), Finance, Feature Roadmaps, Payroll & Benefits, Payment APIs, Product Lifecycle Management (PLM), Product Design, Business Models, Management Consulting, User Interviews, ROI, Data Strategy, Insurance Broking, Startups, B2C Marketing, Product-market Fit, Product Marketing, Healthcare IT, Process Optimization, Process Automation, Market Research & Analysis, Websites, Scope, Medical Software, Cost Estimation, Project Timelines, Mobile Apps, Task Management, Product Planning, Sprint Planning, Agile Leadership, User Needs, Feature Backlog Prioritization, Staffing, New Product Development, UX Strategy, Customer Experience, User Research, Innovation, Market Research, Design Strategy, Innovation Strategy, Data Management, Marketing, Product Operations, Objectives & Key Results (OKRs), Roadmaps, Business to Business (B2B), Project Coordination, Documentation, Remote Team Leadership, Enterprise Software, Pitch Decks, Qualitative Research, Product Consultant, Backlog Grooming, Process Improvement, Growth, Product Ownership, Digital Health, Consulting, Healthcare Product Manager, Technical Project Management, Project Planning, Scrum Master, Minimum Viable Product (MVP), Data Reporting, Data-driven Dashboards, Dashboard Development, Global Operations, Operational Risk, Digital Production, Product Strategy Consultant, Go-to-market (GTM) Strategies, Security, IT Security, Business Development, Amazon Web Services (AWS), Artificial Intelligence (AI), Competition Research, Analysis, Compliance, Product Launch, Internationalization, Localization, Team Leadership, Team Mentoring, Collaboration, International Growth, Translation, International Projects, Business, Stakeholder Interviews, Prototyping, Accounting Software, Request for Proposal (RFP), Software as a Service (SaaS), Customer Data Platform (CDP), Customer Journey, Requirements, Web App Development, Databases, Salesforce, Monetization, IT Business Analysis, Coaching, Mentorship & Coaching, Product Leadership, Startup Consulting, SaaS Product Management, Contract, Operations, Data Analysis, Change Management, ERP Implementation, Financial Transformation, Client Delivery Management, Generative Artificial Intelligence (GenAI), Scope of Work (SOW), Wealth Management, Wireframing, Data Centers, Technical Writing, Project Scoping, Financial Software, Financial Reporting, Advisory, B2B Product Management, Fintech Consultant, Data, GRC, Customer Relationship Management (CRM), AI Product Management, Consumer Lending, Loans & Lending, Change Management, Customer Experience, Customer Relationship Management (CRM), Process Improvement, Project Management, Data-driven Decision-making, Big Data, Life Science, Lifestyle, Skincare, Veeva, Business Transformation, Business Analysis, Cybersecurity, Quality Assurance (QA), Software Integration, Electronic Health Records (EHR), Epic, Card Payments, Operations, Process Management, Product Analytics, Financial Operations & Processes, Business Strategy, Complex Problem Solving, Creative Problem Solving, Presentations, Relationship Management, Time Management, System Implementation, Execution, Enterprise Resource Planning (ERP), Product Research, Business Process Analysis, Master Data Management (MDM), Agile Project Management, Project Management, Data Governance, Data Privacy, Snowflake, Behavioral Health, Software Implementation, Data Cleansing, Process Analysis, Workflow Diagrams, Mergers & Acquisitions (M&A), Competitive Analysis, Corporate Strategy, Operational Audits, Spreadsheets, Data Engineering, Data Visualization, Framework Design, Implementation, Customer Service, Customer Support, Artificial Intelligence (AI), Machine Learning, Executive Consulting, Market Opportunity Analysis, Product Positioning, Vendor Management, Market Sizing, Monitoring, User Acceptance Testing (UAT), Microsoft Teams, User Interface (UI), Digital Marketing, User Personas, Design, Vendor Selection, Investor Presentations, User Experience (UX), Credit Cards, Credit Card Processing, Integration, Accounting, Research, Market Assessment, Online Payments, Digital Payments, Mobile Payments, Growth Marketing, B2B, Waterfall Methodology, Database Security, Contact Centers, Call Centers, Billing Systems, Product Growth, SaaS, Insurance Product Manager, Reinsurance, Electronic Medical Records (EMR), Discovery Workshops, Mobile, Early-stage Startups, Startup Funding, Lean, Web Applications, Discovery, Vulnerability Assessment, Cloud Security, Containers, Crypto, Social, Business Requirements, Generative Pre-trained Transformers (GPT), Consumer Technology, Machine Learning, Patents, Legal, Crowdfunding, Software Development, Investment Banking, Enterprise, Sales, Sales Forecasting, Sales Pipelines, Cloud Services, Marketing Campaigns, Large Language Models (LLMs), Natural Language Processing (NLP), Mobile Applications, iOS, Pricing Strategy, Marketing Reports, Oracle ERP, Transaction Advisory, Sales Strategy, AI Agents, Due Diligence, Executive Coaching, Private Equity, AI Automation, Workflow Automation, Prompt Engineering, Claude API, Oracle, Digital, Miro, SQL, Data Product Manager, Agile Product Delivery, Python, Agile Sprints, Regulatory Reporting, Prototype Framework, Personas, Cloud, Contract Negotiation, Modeling, Economics, Deep Learning, Sentiment Analysis, Public Relations (PR), Fundraising, Investing, Corporate Finance, Claude Code, openclaw, Lovable
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