Chao Zhang

Co-Founder

New York City, New York, United States18 yrs 4 mos experience
AI EnabledHighly Stable

Key Highlights

  • Generated over $150M in value through innovative solutions.
  • Led cross-functional teams to enhance fraud detection by 3x.
  • Pioneered advertising's first unified vetting platform.
Stackforce AI infers this person is a seasoned leader in Fintech and SaaS, specializing in AI/ML applications for fraud prevention.

Contact

Skills

Core Skills

Product LeadershipFraud PreventionProduct ManagementFraud DetectionPlatform SolutionsHealthcare TechnologyEntrepreneurshipMarketplace DevelopmentProduct MarketingA/b TestingUser ExperienceP&l Management

Other Skills

AI/MLProduct StrategyCross-functional Team LeadershipMachine LearningCross-functional CollaborationComplianceCredit DecisioningProcurement ProcessDirect Mail MarketingCross-functional LeadershipAnalysisUser Experience DesignAgile MethodologiesBusiness StrategyCompetitive Analysis

About

I love working at the intersection of customer needs, technical innovation, and business strategy. There's nothing quite like the moment when a complex problem clicks into an elegant solution with measurable impact. Over nearly 20 years, I've led talented cross-functional teams to deliver solutions that generate $150M+ in value, built a new SaaS product from the ground up and sold it to national banks, and genuinely transformed how customers work. At Amazon, I lead the Global Advertising Fraud Prevention and Vetting organization, managing a team of incredible members across product, program, engineering, and science. What excites me most? Leveraging technology and AI/ML to crack tough problems —whether that's pioneering Gen-AI applications using Claude Sonnet that boosted automation, building new real-time ML risk models that improved fraud detection by 3x, and pioneering advertising's first unified vetting platform to accelerate customer activation time by 90%. I love rolling up my sleeves to brainstorm solutions with engineers and scientists, regularly deep diving into data to stay ahead of emerging patterns, and truly enjoy mentoring team members as they grow in their careers. Being both strategic and hands-on is what makes product leadership exciting to me. Throughout my career at Amazon, Dun & Bradstreet, OnDeck Capital, Citigroup, and AIG, I've focused on creating products that matter. Some highlights include: * Build and scale high-performing product, engineering, and science teams that love what they do * Took new initiative to live and signed the first batch of enterprise clients to generate 7-figure revenue * Launched SMB lending platform to international banks to drive efficiency (think: weeks to 20 minutes) * Managed auto insurance P&L portfolio with $62M in annual premiums I am always happy to connect with the tech community to discuss Tech/AI/ML applications in real-world settings. Please feel free to reach out anytime. Strategic Product Leader | AI/ML Innovation | B2B SaaS | Fraud & Identity | P&L Ownership | Team Building

Experience

18 yrs 4 mos
Total Experience
2 yrs 6 mos
Average Tenure
4 mos
Current Experience

Independent

Product & Platform Advisor | AI, Risk & Trust Systems

Jan 2026Present · 4 mos

  • Advising on AI-driven trust, fraud, identity, and payments platforms
  • Evaluating product leadership roles
  • Focus on Fintech, Marketplace, and Ads platforms

Amazon

Head of Global Fraud and Vetting

Jun 2022Jan 2026 · 3 yrs 7 mos · New York, United States · On-site

  • Built and scaled Amazon Ads’ global trust, fraud, and advertiser vetting platforms, with GM-level ownership of a cross-functional organization spanning Product, Engineering, Data Science, and Program Management. Owned end-to-end product strategy and execution for fraud prevention, identity verification, credit risk, and compliance systems supporting advertisers worldwide's $60bn businesses:
  • Owned vision, strategy, and execution for Amazon Advertising’s Global Fraud & Vetting portfolio. Personally led product architecture and decisioning strategy for the transformation from rule-based systems to ML-driven and AI-enhanced platforms, reducing fraud losses by 60% while preserving hundreds of millions in revenue and customer trust.
  • Spearheaded Amazon Ads’ unified advertiser vetting platform, consolidating fraud detection, identity verification, sanctions screening, and financial blocklist checks. Scaled vetting volume 8× and accelerated auto-decision rates 2.25× through matching logic enhancements, third-party data enrichment, intelligent filtering, and GenAI automation.
  • Served as General Manager for the organization, establishing governance and operating mechanisms and driving the strategic planning process. Authored and coordinated org-wide plans aligning cross-functional priorities, budgets, and multi-year roadmaps to meet annual risk reduction, compliance, and revenue targets.
  • Acted in a hands-on Principal PM capacity on select initiatives, serving as the single-threaded owner for roadmap, requirements, and launches across core trust and risk decisioning platforms.
Product LeadershipFraud PreventionAI/MLProduct StrategyCross-functional Team Leadership

Dun & bradstreet

Senior Director of Product Management, Fraud Intelligence Product

Apr 2020May 2022 · 2 yrs 1 mo

  • Responsible for firm-wide strategy and execution of a machine learning-driven business fraud solution. The solution is designed to prevent B2B fraud losses during businesses' application, onboarding, and subsequent risk monitoring processes:
  • Owned product vision and roadmap for enterprise fraud risk prevention platforms, supporting business onboarding, identity verification, and third-party risk assessment in high-stakes, regulated environments.
  • Built and scaled data-driven fraud detection and ML risk scoring products, combining proprietary business identity data with third-party signals to improve fraud detection accuracy while balancing false positives, decision latency, and customer friction.
  • Partnered cross-functionally with Engineering, Data Science, Sales / Account Management, and Marketing, translating regulatory requirements and customer insights into scalable, monetizable product capabilities used directly in customer risk operations.
Product ManagementMachine LearningFraud DetectionCross-functional Collaboration

Ondeck

Platform Product Lead

Oct 2018Mar 2020 · 1 yr 5 mos · Greater New York City Area

  • I led platform product solutions to help banks reimagine small business lending experiences. Core platform modules included application, fraud, compliance, and credit decisioning. We built core re-usable components and added configurability to support multiple banks' operation in U.S., Canada, and Australia.
Product ManagementPlatform SolutionsComplianceCredit Decisioning

Truveris

Senior Product Manager

Apr 2017Jul 2018 · 1 yr 3 mos · New York, New York

  • Truveris is a Series D healthcare tech company with a mission to disrupt the pharmacy benefits procurement process. As product lead of the TruBid Express platform, I worked with the team to bring transparency and speed to the pharmacy benefit procurement process. Our platform helped companies save millions of dollars on annual pharmacy spending.
Product ManagementHealthcare TechnologyProcurement Process

Photofaire

CEO and Co-Founder

Dec 2014Mar 2017 · 2 yrs 3 mos · New York, NY

  • Conceived and launched Photofaire.com, a two-sided online marketplace to help customers find and book professional photographers.
EntrepreneurshipMarketplace Development

Citi

2 roles

Senior Product Marketing Manager

Jan 2013Sep 2014 · 1 yr 8 mos

  • Responsible for direct mail marketing for the Simplicity Credit Card. Partnered with data science and product to formulate strategies to conduct regular A/B tests. Drove response rate and conversion rate lifts through optimizing marketing copies, design, mailing lists, and pricing levers.
Product MarketingA/B TestingDirect Mail Marketing

Product Manager (GEMA)

Aug 2010Dec 2012 · 2 yrs 4 mos

  • Selected to join a team of 10 across the firm to participate in a product leadership program. In Seoul, South Korea I led a cross-function team to revamp user on-boarding experience across the branch, phone, and internet channels. In Shanghai, China I led product strategy in preparation for launching the Ultima credit card.
Product ManagementUser ExperienceProduct Strategy

Aig

2 roles

Product Manager

Promoted

Jul 2006Jun 2008 · 1 yr 11 mos · Wilmington, Delaware

  • As a product manager, I owned P&L for four states totaling over $62MM in annual premium. This role involved extensive cross-functional leadership and collaboration with marketing, actuarial, legal, compliance, claims, underwriting, and E-business teams.
Product ManagementP&L ManagementCross-functional Leadership

Associate Product Manager

Dec 2004Jun 2006 · 1 yr 6 mos · Wilmington, Delaware

  • Responsible for profitable growth for five states with over $15MM in annual premium; As an analyst for the product team, I also performed analysis on the channel, campaign, retention, profit, and customer segmentation.
Product ManagementAnalysis

Education

The University of Chicago Booth School of Business

MBA — Finance; Marketing

University of Delaware

M.S. — Applied Economics

Huazhong University of Science and Technology

B.S. — Finance

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