# Scott Xu (Xu Zhihao)
> Product Manager

Singapore · LinkedIn: https://linkedin.com/in/scott-xu-b7a7046a

## Contact
Reachable through ResumeForAI. No email address is published, and this is not an omission — messages sent to the endpoint below are relayed to this person and are answered from their inbox.

- `POST https://scottxu.resume4.ai/contact` — send a message.
- Automated senders need an employer key; requests without one are refused with instructions. A form at the same URL is open to people.

Product Manager with 15+ years in Banking & Financial Services transformation, now leading AI-powered client onboarding at a global bank. Journey Lead for an agentic workflow platform orchestrating LLM-based agents in a highly regulated environment. A rare combination of deep domain expertise (KYC / Compliance / Wealth Management), hands-on technical capability (Python, SQL, FastAPI), and shipped consumer products — including a live AI game on the App Store. MBA (NUS) + B.Sc. Computer Science.

## Looking for
Target a Product Manager role. Focus on products with end-user utility. Influence product development. Seek roles with technical challenges. Select team members. Expand knowledge beyond banking into technical or architecture domains. Apply technology knowledge to product development.

## Experience
- UBS — Product Manager & Journey Lead — AI-Powered Client Onboarding (2026-04–Present)
  Own the end-to-end design and delivery of a Flowable-based workflow orchestration platform for client onboarding, integrating multiple AI agents into a unified journey.
  - Platform scope spans all client onboarding journeys bank-wide; leading delivery from concept through active build toward production launch.
  - Built internal AI agents with Microsoft Copilot for BRD drafting and compliance checks, adopted by 99+ internal users.
  - Bridge business, compliance, and engineering stakeholders to translate regulatory requirements (KYC / CDD) into agentic product design in a strictly governed environment.
  - What the role involved: Collected onboarding requirements from the End user from Markets (Client Advisor), Front Service Officer (Operations), and Due Diligence Officer (Risk). Translated requirements into agent and workflow adjustments. Prepared for the adoption and rollout of the project. Discussed the look and feel with the designer. Aligned with the delivery lead on expectations, prioritization, timeline, and reporting bugs. Planned for the next release planning for senior management. Presented the benefit of the project to senior management. Determined the budget and scope with the Delivery Manager. Conducted user training. Wrote business requirements, FAQ, and user training material. Shaped the current process into a streamline, efficient and digitalized way. Aligned with other delivery crew.
  - Scope: Covered Singapore and Hong Kong region, including all APAC Markets. Managed a 10 Million project. Involved 4 independent agents workflows.
- UBS — Senior Project Manager & Migration Stream Lead (2023–2026-04)
  Strategic Migration Lead for UBS / CS Integration, managing data migration streams and process re-engineering.
  - Turned around a distressed Client Static Data migration stream: rebuilt team cadence with Agile stand-ups across 10+ cross-functional members, delivering 4 consecutive successful migration waves.
  - Engineered complex SQL analyses to independently resolve data fallouts, reducing reliance on IT and accelerating decisions.
  - Re-engineered a redundant reconciliation process, cutting processing time by 30%.
  - Led the APAC integration workstream migrating 25,000+ Wealth Management clients within a critical 3-month window.
  - Developed Python automation for pre-migration data cleansing / validation (KYC, identity, address) across massive datasets.
  - Spearheaded Compliance & Risk system optimization for the COO office, balancing regulatory rigor with user experience.
  - What the role involved: Performed data mapping between 2 companies. Analyzed data structure, business flows, data restrictions, format change, migration limitation, reconciliations, and data cleanup scope. Aligned with the risk and control function regarding non-migratable data and post-migration handling procedures. 

Resolved ad-hoc issues during migration. Performed data analysis by running SQL to identify problems. Prepared data sets to fix problems. Aligned with stakeholders to agree on data fix scope. Executed data fixes and performed data reconciliation. 

Designed E2E testing for data migration. Designed mock-up testing data for data migration. Prepared migration reports for senior management. Provided updates on issues faced and solutions for issue resolution. Provided guidance to the team on problem resolution. Defined processes for data reconciliation, data cleanup, and data remediation.
  - Scope: The title came after the fact. I wasn't brought in as migration lead — I joined on the data mapping work. What changed things was being able to hold both sides at once: the business logic, the technical vocabulary, and the Credit Suisse-side process flow, which I picked up faster than most. At some point people stopped routing questions through the org chart and started routing them to me. The lead role followed that reality rather than creating it.

Upward it reached MDs and EDs, and that taught me something I'd underrated: reach upward isn't about seniority, it's about being the person whose update they don't have to decode. I kept mine short and specific — here's what broke, here's what I'm doing about it, here's the one thing I need from you. Do that a few times and trust compounds. After that, scope arrives on its own.

Geographically it kept extending. I delivered Singapore, then Hong Kong. On the back of those, I was nominated to go support Switzerland.

Switzerland was the hardest part of the role and the part I'd point to. The team was under heavy pressure and the stream was in trouble. I gave myself a month to be useful: learn the whole migration logic end to end, work out where it was actually breaking rather than where people said it was, and learn SQL from scratch — because I was tired of waiting two days for someone else to answer a question about data I could query myself. That team went from the one people worried about to four consecutive successful waves.

What the role didn't reach: I never owned the architecture, the program timeline, or anyone's headcount. The authority was informal the whole way through, which cuts both ways — it had to be re-earned rather than assumed, but it also meant I rarely had to ask permission to go fix something.
- Infosys Consulting — Senior Management Consultant / PMO Lead (2017-05–2023)
  Led PMO and consulting engagements for investment platform transformations and workflow design.
  - Led PMO for a $6M+ investment platform transformation: 150+ resources, 100+ deliverables, senior leadership reporting.
  - Led 17 offshore resources across Data Management, Trade Management, and Reporting; designed governance framework and incident-management operating model.
  - Boosted data comparison efficiency by 75% with self-developed automation tools.
  - Designed 6 investment trading workflows spanning Equity, Bonds, FX, ETD, and Funds.
  - What the role involved: Collecting status from the workstreams, keeping the integrated plan and the RAID log current, tracking milestones and budget, and building the pack that went to senior leadership.

I also managed 17 offshore resources across Data Management, Trade Management and Reporting. Daily allocation, unblocking, and handovers across the time difference. I wrote the governance framework and the incident-management operating model for the engagement.

On the delivery side I designed six investment trading workflows covering Equity, Bonds, FX, ETD and Funds — requirements workshops with the business, process design, sign-off.

During testing we had to compare data between the old and new platforms, which was manual and slow, so I built an automation tool for it. Cut the effort by about 75%.

Plus the standing consulting work: onboarding and offboarding people, resource allocation, and scope and change control against the SOW.
- Infosys — Testing Lead & Banking System Specialist (2010-03–2017-04)
  Supported banking system upgrades and led testing and localization of client onboarding workflows.
  - Supported 10+ banking system upgrades; on-site “Floor Runner” in Zürich supporting Client Advisor teams during critical rollouts.
  - Localized client onboarding workflows (KYC, ALM, account opening); E2E testing across Investment Suitability, Risk, and Compliance.
  - Built test automation improving effectiveness by 90% — earned the CEO Award.

## Projects
- Turtle Soup (海龟汤)
  AI-powered bilingual lateral-thinking puzzle game, live on the iOS App Store
  - Link (other): https://apps.apple.com/us/app/ai-judge-turtle-soup/id6767982859
- MyHub
  personal data platform with plugin-based parsers and interactive dashboards, in production
  Tech: Python, FastAPI, ECharts

## Education
- National University of Singapore — Master of Business Administration (2022-08–2025-04)
- Tongji University, Shanghai — B.Sc. Computer Science (2006-10–2010-06)

## Skills
- AI & Product: Agentic workflow design, LLM-based agents, Microsoft Copilot, Flowable BPM, product discovery in regulated environments
- Technical: Python, FastAPI, SQL, Excel / VBA, Tableau, JIRA
- Banking Domains: Client Onboarding (KYC / ALM / CDD), Wealth Management, Risk & Compliance, Static Data, Migration Strategy
- Project Management: PMP (PMI), Agile / Scrum, PMO Governance, Stakeholder & Change Management
- Languages: English (fluent), Mandarin (native)

## Certifications
- PMP (PMI) — PMI
- Agile Professional
- Open Banking and Platforms in Finance