# Richard Ho

Richard Ho is a remote worker on Himalayas, Program Manager at Bank of America, based in United States.

Source: https://himalayas.app/@richardho1

```text
Program Manager at Bank of America managing CCAR stress testing and counterparty risk projects across Credit and Market Risk.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 180k+ USD |
| Job categories | Program Manager, Project Manager, Business Systems Analyst, Product Manager, Software Developer, System Architect, Data Architect, Database Administrator |
| Skills | Program Management, Project Management, PMO Management, Investment Banking, Regulatory Reporting, CCAR, Basel III, Dodd Frank, Credit Risk, Market Risk, Counterparty Risk Analysis, Performance Testing, CECL, Cloud Transformation, Azure |

## About

```text
At Bank of America, I manage monthly and quarterly CCAR stress testing scenarios with Credit and Market Risk, including Russia, China, Europe, ICAAP, Climate Risk, and RWA. I also support counterparty requirements for the Capstone/CVA project and FRY-14A and FRY-14Q reporting.

Across investment banking, I’ve managed regulatory and risk programs covering Basel III, Dodd-Frank, Volcker, CECL, and stress testing. My work has included credit risk engines for derivatives, market risk reporting, and cloud transformation roadmaps and migrations.

I’ve also worked across the technology behind financial products, from designing JP Morgan’s market risk management system to managing development of T1Xpert.com’s equities settlement and allocation products. My experience spans project and program management, business systems analysis, software development, and data and cloud platforms.
```

## Experience

### Program Manager

[Bank of America](https://himalayas.app/companies/bank-of-america). May 2022 - Mar 2026

```text
Managed critical monthly and quarterly CCAR Stress Testing Scenarios with Credit and Market Risk, including special FED stress tests. Developed and maintained PMO processes, procedures, and tools to ensure effective project delivery.
```

Skills: CCAR, Performance-Testing, Credit-Risk, Market-Risk, Jira, Confluence, PMO, Risk-Management

### Program Manager/Consultant

[FedEx](https://himalayas.app/companies/fedex). Jul 2021 - Mar 2022

```text
Managed AI/ML projects for predictive modeling with Databricks, Seaborn, and Scikit-Learn with MLFlow in MLOps. Managed data orchestration from on-prem data warehouses to Azure Databricks using Scala, Python, Spark, Azure Data Factory, and Power BI.
```

Skills: AI-ML, Databricks, SeaBorn, scikit-learn, MLFlow, MLOps, Scala, Python, Spark, Azure-Data-Factory, Power-BI, Scrum-Master, ADO

### Project Manager/Consultant

[Wells Fargo](https://himalayas.app/companies/wells-fargo). Nov 2020 - Jul 2021

```text
Managed MRA credit risk big data platform for CECL implementation for loans with home lending, auto loans, and unsecured loans. Managed data and control projects including metadata, data governance, PII data, and role-based access controls.
```

Skills: Credit-Risk, CECL, Big-Data, Hadoop, Python, Spark, Hive, YAML, APIs, Tableau, SQL-Server, Oracle, MongoDB, Teradata, SAS, MAPR, Hortonworks, S3, GitHub, Scrum-Master, Agile

### Program Manager/Consultant

AxaXL Insurance. Oct 2019 - Apr 2020

```text
Planned five year roadmap for migrating 15 DWH and 30 BI Reporting apps to the Azure cloud with data center consolidation. Managed multiple insurance data warehouses migrations/re-engineering to Azure PaaS using Azure SQL DB and Azure Data Factory.
```

Skills: Azure, Cloud-Migration, Data-Warehouse, BI-Reporting, Azure-SQL-Database, Azure-Data-Factory, Azure-Data-Lake, Databricks, Informatica, Plan-View, Agile, Scrum, DevOps, CI-CD, Data-Governance, Data-Privacy, Security

### Project Manager/Consultant

Mizuho Securities. Aug 2016 - Apr 2019

```text
Managed regulatory implementation of Credit Risk Engine (Monte Carlo) for calculating Effective Expected Positive Exposure for OTC Derivatives. Managed calculation types including Monte Carlo EEPE, PV, Wrong Way Risk, and Stress Testing.
```

Skills: Credit-Risk, Basel-III, Monte-Carlo, EEPE, OTC-Derivatives, Interest-Rate-Swaps-(IRS), Credit-Default-Swaps, Java, Python, SQL-Server, SSIS, Performance-Testing, Backtesting

### Senior Project Manager/Consultant

BNP Paribas. Apr 2015 - Oct 2015

```text
Managed implementation of Dodd Frank 165 IHC FBO/CUSO Basel III Standard with Moody's Risk Authority validating Spot RWA and Capital requirements. Evaluated Moody's SA CCR and SCCL.
```

Skills: Basel-III, Dodd-Frank, IHC, FBO, CUSO, Moody'S-Risk-Authority, RWA, Capital, Credit-Risk, Market-Risk, Data-Governance, PMO

### Program Lead/Consultant

[BNY Mellon](https://himalayas.app/companies/the-bank-of-new-york-mellon-corporation). Oct 2014 - Apr 2015

```text
Managed Basel III Standard and Advanced Approaches including MRIA/MRAs for investment grade policy, netting, collateral, and margin period of risk. Managed teams of project managers and analysts in Finance, Market Risk, and IT.
```

Skills: Basel-III, MRIA, MRA, Netting, Collateral, Margin-Period-Of-Risk, Repositories, Margin-Lending, Derivatives, Supplemental-Leverage-Ratio, Agile, Scrum-Master, Jira, PMO

### Senior Project Manager/Consultant

[State Street Bank](https://himalayas.app/companies/state-street). Jun 2013 - Oct 2014

```text
Managed Moody's Risk Authority for Basel I, III Standard and III Advanced, validating Spot RWA and sourcing data. Supported regulatory reporting for FRY-9C, FFIEC 101, Pillar 3, and CCAR.
```

Skills: Basel-III, Moody'S-Risk-Authority, RWA, Credit-Risk, Counterparty-Risk-Analysis, Market-Risk, FR-Y-9C, FFIEC-101, Pillar-3, CCAR, Agile, Scrum-Master

### Program Lead/Consultant

[Barclays Capital](https://himalayas.app/companies/barclays-com). Jul 2012 - Dec 2012

```text
Managed Dodd Frank/Volcker Title VII regulatory requirements for Inventory Risk Turnover, including risk sensitivities design, implementation, and data and system flows.
```

Skills: Dodd-Frank, Volcker, Title-VII-Compliance, Inventory-Risk, Risk-Sensitivity, Regulatory-Compliance

### Senior Project Manager/Consultant

[Bank of America](https://himalayas.app/companies/bank-of-america). Oct 2011 - Apr 2012

```text
Managed credit risk projects including exposures, models, netting, and collateral for credit derivatives, swaps, TRS, and FX Barrier. Managed Basel II credit projects to support IMA vs. CEM.
```

Skills: Credit-Risk, Basel-II-III, IMA, CEM, CVA, Margin-Period-Of-Risk, Wrong-Way-Risk, Java, Sybase, PMO, DMAIC, Six-Sigma

### Project Manager/Consultant

Depository Trust Clearing Corp. Apr 2011 - Oct 2011

```text
Managed enhancements to NSCC VAR model to provide customer clearing fund calculator and other projects.
```

Skills: VARs, NSCC, Clearing, Risk-Management

### Senior Project Manager

E\*Trade. Apr 2008 - Aug 2010

```text
Managed E*Trade Fixed Income, Treasury, and Credit projects including mortgages, home equities, default management, repo, collateral, and margin. Managed deployment of Home Equities Loans onto SBO2000 and development of Loan Accounting Reporting system.
```

Skills: Fixed-Income, Treasury, Credit, Mortgage, Home-Equity, Default-Management, Repo, Collateral, Margin, SBO-2000, C#, SQL-Server, Oracle, Business-Objects, E-R-Studio, Microsoft-Project, Loan-Performance, SAS, Broadridge-Impact, Intex

### Business Analyst/Consultant

Old Lane Partners. Feb 2008 - Feb 2008

```text
Provided workflow analysis for Eze Castle equities OMS, Sophis derivatives OMS, and Geneva P&L system.
```

Skills: Eze-Castle, Sophis, Geneva, OMS, P&L, Workflow-Analysis

### Senior Project Manager/Consultant

[Bunge](https://himalayas.app/companies/bunge). Jun 2006 - Oct 2007

```text
Managed multiple projects including P&L system, Market Data system, Global Position system, and Datawarehouse reporting in a J2EE/Oracle/Tibco ESB environment. Re-engineered P&L system to improve design, processing time, and accuracy.
```

Skills: P&L, Market-Data, Global-Position, Data-Warehouse, J2EE, Oracle, Tibco-ESB, BusinessWorks, SOA, WebFocus, RUP, UML, Primavera, Project-Management

### Senior Business System Analyst

[Citigroup](https://himalayas.app/companies/citi). Jan 2006 - Jun 2006

```text
Defined the development of Total Return Swaps (TRS) and Synthetic Swaps system for London, New York, and Asia. Analyzed STP workflows for Equity Finance in New York and London for Swaps trading.
```

Skills: Total-Return-Swaps, Synthetic-Swaps, STP, Equity-Financings, Swaps, Business-Analysis

### Project Manager/Consultant

[Union Bank of Switzerland](https://himalayas.app/companies/ubs). Nov 2004 - Nov 2005

```text
Managed implementation of Riskmetrics Market Risk System for Prime Brokerage customers with focus on equity derivatives. Responsibilities included project scope, planning, business analysis, vendor management, development, testing, and end user support.
```

Skills: Risk-Metrics, Market-Risk, Prime-Brokerage, Equity-Derivatives, Java, Oracle, Sybase, XML, Crystal, Project-Management

### Business System Analyst/Consultant

Credit Suisse FB. Sep 2004 - Nov 2004

```text
Performed gap analysis for the Lava Trading system with AES, Agora Trade Management, Index Arb, and Prop Trading. Analyzed real-time PULSE Market Data architecture and Smart Order Routing architecture.
```

Skills: Lava-Trading, AES, Agora, Index-Arbitrage, Prop-Trading, PULSE-Market-Data, Smart-Order-Routing, Low-Latency-Systems, Gap-Analysis

### Developer/Consultant

Pax Clearing. Feb 2003 - Dec 2003

```text
Re-engineered equity/options settlement system with Corporate Actions, P&L, and Comms using VC++/COM/Oracle.
```

Skills: Equity, Options, Settlements, Corporate-Actions, P&L, VC, CoM, Oracle

### VP / Product / Project Manager

T1Xpert.com Startup. Dec 1999 - Sep 2001

```text
Managed the product development of an Equities backoffice settlement system for T+1 and an Equity allocation system interfacing with ADP BPS. Responsibilities included project scope, planning, resource hiring, business analysis, product architecture, and MVP.
```

Skills: Equities, Settlements, T1, Equity-Allocation, ADP-BPS, Java, Swing, Web-Logic, MQ-Series, Oracle-8i, XML, Perl, Product-Management, Project-Management

### Developer/Consultant

Oppenheimer Capital. Sep 1999 - Nov 1999

```text
Supported and maintained Portia Portfolio System using Visual Basic and Sybase.
```

Skills: Portia, Portfolio-Systems, Visual-Basic, Sybase

### Director/Project Manager

Root Consulting. Oct 1998 - May 1999

```text
Managed training and implementation of Peoplesoft Financials and HR at a telecom company and Cognos.
```

Skills: Peoplesoft, Financials, Human-Resources, Cognos, Training, Implementation

### Senior Analyst/Consultant

[Goldman Sachs](https://himalayas.app/companies/goldman-sachs). Jun 1998 - Oct 1998

```text
Monitored high risk IT applications, functional specs, and controls for general ledger and foreign exchange projects.
```

Skills: General-Ledger-Accountant, Foreign-Exchange, Risk-Management, Control

### Systems Architect/Consultant

Credit Suisse FB. Jul 1997 - Jan 1998

```text
Enhanced equity derivative risk system which produces correlations, covariances, sensitivities, and exposures using C++/Sybase/Solaris/Perl. Added term structure of volatilities and beta sensitivity.
```

Skills: Equity-Derivatives, Risk-Management-Systems, C++, Sybase, Solaris, Perl, SED, AWK, VC, Excel, VBA, Access, Volatility, Beta

### Systems Architect/Consultant

[JP Morgan](https://himalayas.app/companies/jpmorgan-chase-co). Jun 1997 - Jul 1997

```text
Enhanced feeder systems for Global Credit Risk with C++/Sybase/Solaris/TCPIP/Socket programming.
```

Skills: Credit-Risk, C++, Sybase, Solaris, TCP-IP, Socket-Programming

### Tech Manager/Sys Arch/Consultant

Banker's Trust. Apr 1995 - Apr 1997

```text
Designed and implemented Global General Ledger with C/C++/Visual C++/Sybase/Rogue Wave/Signal Processing. Designed multi-threaded application for revaluation, netting, and intra-company accounting processing 1.2 million transactions per hour.
```

Skills: General-Ledger-Accountant, C-C++, Visual-C++, Sybase, RogueWave, Signal-Processing, Multithreading, Revaluations, Netting, Intercompany-Accounting, VAXcluster

### System Arch/Sybase DBA/Consultant

Solomon Brothers. Sep 1992 - May 1993

```text
Implemented Treasury Analysis and Reporting to track daily cash flow using Sun/C++/Sybase. Performed logical/physical design of the Treasury database with stored procedures, triggers, and tuning.
```

Skills: Treasury, Cash-Flow, Sun, C++, Sybase, Database-Design, Stored-Procedures, Triggers, Tuning

### 2VP/Project Leader

[Chase Manhattan Bank](https://himalayas.app/companies/jpmorgan-chase-co). Apr 1991 - Sep 1992

```text
Designed a pricing database for regression, covariance, and Bayesian analysis and modeling using C/Sybase. Maintained currency portfolio system with Reuter's datafeed on Unix.
```

Skills: Pricing-Database, regression, Covariance, Bayesian-Statistics, C, Sybase, Currency-Portfolio, Reuters-Data, Unix

### Project Manager

[Simon & Schuster](https://himalayas.app/companies/simon-schuster). Apr 1990 - Apr 1991

```text
Managed redesign of publishing applications including rights and royalties from the IBM mainframe to Vax/Sybase.
```

Skills: Publishing, Rights, Royalties, IBM-Mainframe, VAX, Sybase, Project-Management

### Systems Arch/Sybase DBA

Merrill Lynch Capital Markets. Aug 1987 - Apr 1990

```text
Designed Foreign Exchange P&L programs using Solaris/C/Sybase for spot, forward, parity, and interest rate P&L. Designed Quotron replacement in real time pricing group using Ethernet/TCP/IP/Vax C/Vax PL/I.
```

Skills: Foreign-Exchange, P&L, Solaris, C, Sybase, SPOT, Forwards, Parity, Interest-Rates, Quotron, Ethernet, TCP-IP, Vax-C, Vax-PL-I

### Systems Programmer

Banker's Trust Co.. Nov 1984 - Jul 1987

```text
Provided distributed systems and network support and management of trading systems running on VaxClusters, Vax 8700s, and 8600s. Provided application support for Foreign Exchange, Money Market, and REMOS Derivatives.
```

Skills: Distributed-Systems, Network-Support, Trading-Systems, VaxClusters, VAX-8700, VAX-8600, Foreign-Exchange, Money-Markets, REMOS-Derivatives

### Senior Programmer Analyst

National Broadcasting Co.. Oct 1983 - Nov 1984

```text
Designed elections graphics program using 2780/3780 interfaced to IBM MVS 3081 and Vax 11/750.
```

Skills: Editorial-Graphics, 2780-3780, IBM-MVS-3081, VAX

### Programmer Analyst

Syska & Hennessy Info. System. Apr 1981 - Jul 1983

```text
Maintained and modified Fortran engineering and Vax Cobol account programs on Vax 11/750 and PDP 11/70.
```

Skills: Fortran, COBOL, VAX, PDP-11

### Programmer

[Associated Press](https://himalayas.app/companies/associated-press). Sep 1979 - Apr 1981

```text
Programmed an electronic darkroom using Fortran on a PDP 11/70 for picture compression.
```

Skills: Fortran, PDP-11, Image-Compression

## Education

### Udemy

CISSP, Security

```text
Currently training in CISSP.
```

### Udemy

Agentic AI Bootcamp, AI

```text
Currently training in the Agentic AI Bootcamp covering AI Agents with Python, n8n, MCP, and RAG.
```

### K21 Academy

Gen AI and Agentic Mastery, AI

```text
Currently training in Gen AI and Agentic Mastery at K21 Academy.
```

### Udemy

NIST AI RMF Masterclass, AI

```text
Completed the NIST AI RMF Masterclass course.
```

### Udemy

GCP Professional Cloud Architect, Cloud Architecture

```text
Completed the GCP Professional Cloud Architect: Google Cloud Certification course.
```

### Udemy

Machine Learning A-Z, Machine Learning

```text
Completed the Machine Learning A-Z: Hands on Python & R in Data Science course.
```

### Udemy

TensorFlow 2.0 (AI): A Complete Guide, Machine Learning

```text
Completed the TensorFlow 2.0 AI course covering the brand new TensorFlow.
```

### Udemy

Master Microservices with Spring Boot and Spring Cloud, Microservices

```text
Completed the Master Microservices with Spring Boot and Spring Cloud course.
```

### Udemy

Kubernetes for Beginners, Kubernetes

```text
Completed the Kubernetes for Beginners with Spring Boot Java Microservices course.
```

### Udemy

Docker and Kubernetes Containers: The Complete Guide, Containers

```text
Completed the Docker and Kubernetes Containers: The Complete Guide course.
```

### Udemy

A-Z of Azure Security, Cloud Security

```text
Completed the A-Z of Azure Security course covering AZ500, AZ300, and AZ103.
```

### Udemy

AZ-300 Azure Architect Technologies, Cloud Architecture

```text
Completed the AZ-300 Azure Architect Technologies course.
```

### Udemy

Microsoft Azure Cloud Bootcamp, Cloud. 2019 - 2019

```text
Completed the Microsoft Azure Cloud Bootcamp in 2019.
```

### Udemy

AZ-301 Azure Architect Design, Cloud Architecture. 2020 - 2020

```text
Completed the AZ-301 Azure Architect Design course in 2020.
```

### Cloud Guru

Intro to Azure Architecture, Cloud Architecture

```text
Completed the Intro to Azure Architecture course.
```

### Udemy

Spark and Python for Big Data, Big Data

```text
Completed the Spark and Python for Big Data with Spark Streaming and Machine Learning course.
```

### Cloud Guru

AWS Certified Big Data Specialty, Big Data. 2019 - 2019

```text
Completed AWS Certified Big Data Specialty training in 2019.
```

### Udemy

AWS Certified Solutions Architect Associate, Cloud Architecture. 2020 - 2020

```text
Completed AWS Certified Solutions Architect Associate training in 2020.
```

### Udemy

Ultimate Hands On Hadoop, Big Data

```text
Completed the Ultimate Hands-On Hadoop course covering Spark, Flink, Hive, HBase, MongoDB, Cassandra, and Kafka.
```

### State Street Bank

Scrum Master Training, Agile

```text
Completed Agile and Scrum Master training at State Street Bank.
```

### SAP

SAP Training, ERP

```text
Completed SAP training in APO, BW, and ABAP modules.
```

### Peoplesoft

Peoplesoft Training, ERP

```text
Completed ERP training in Peoplesoft modules including GL, AR, AP, PO, AM, and PC.
```

### New York University

Bachelor of Arts, Economics

```text
Bachelor of Arts in Economics with a minor in Computer Science from New York University, completed in January 1980.
```

## Tech stack

- Tableau
- SAS
- QlikView
- Microsoft Azure
- GitHub
- Kubernetes
- MongoDB
- Cassandra
- Oracle
- Hadoop
- HBase
- Sybase
- Databricks
- Microsoft Teams
- Terraform
- Azure DevOps
- Jira
- Python
- Java
- C#
- Perl
- C++
- C
- Scala
- Visual Basic
- XML
- TensorFlow
- MLflow
- scikit-learn
- Kafka
- Linux
- Confluence
- Docker
- SQL
- SAP
- Citrix
- ServiceNow
- Dynatrace
- N8N
- SAFe
- MicroStrategy
- Seaborn
- Power BI
- AWS
- Microsoft Project
- Azure

To contact Richard, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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