Hi, I’m
Patty Chao
Senior Business Developement Manager
Taipei
Summary
Product Director with 10 years of experience in banking and electronic payments. Proven success in launching financial products, managing end-to-end product lifecycles, and leading cross-functional teams. Passionate about fintech, payments innovation, and driving digital transformation through strategic product management.
Overview
11
years of professional experience
6
years of post-secondary education
2
Languages
Work History
Thunes Ltd.
Senior Business development Manager
09.2024 - Current
Job overview
- Developed strong relationships with key clients, leading to long-term partnerships and increased loyalty.
- Reached out to potential customers via telephone, email, and in-person inquiries.
- Negotiated and closed long-term agreements with new clients in the assigned territory, contributing USD 190,000 in revenue.
- Prepared sales presentations for clients showing success and credibility of products.
All Win Fintech Co., Ltd.
Product Director
07.2022 - 08.2024
Job overview
- Led the product team to develop and integrate diverse financial solutions, including payment gateway services, and electronic account enhancements.
- Successfully partnered with Taiwan’s top property insurer to exceed payment-related targets by 110% through UX optimization and segmented marketing.
- Collaborated with Taiwan’s second-largest investment trust to launch the first fund product purchasable via an e-payment platform (Mar 2024).
- Introduced bank loan disbursement functionality directly into e-wallet accounts (May 2023).
- Directed the development of +PAY’s unified app within six months, launching in late 2023 to centralize member communication.
- Delivered an SDK-based B2B2C wallet, integrating property management, banks, and migrant worker use cases.
- Streamlined infrastructure via TWQR cross-platform wallet integration, expanding usability to over 120,000 merchants.
- Negotiated direct credit card acquiring, reducing monthly costs by TWD 800,000.
- Managed SDK launch, defined UAT checkpoints, and ensured a seamless go-live (Apr 2022).
- Delivered major payment features: cross-institutional transfers, subscription services (e.g., KKBOX, Ebike), and disbursement mechanisms for salary and welfare.
- Oversaw product development lifecycles from feasibility analysis to documentation, testing, and deployment.
All Win Fintech Co., LTD
Project and Product Manager
03.2021 - 06.2022
Job overview
- Coordinated the +PAY SDK’s initial launch, managed and controlled key verification points during UAT testing, and ensured stable operation after going live on April 25, 2022.
- Continuously established foundational features for the electronic payment institution: cross-institution transfer functionality was launched by the end of 2022.
- Subscription mechanism features were implemented, allowing for the linking of consumers' payment behavior (e.g., KKBOX, Ebike).
- Established a disbursement mechanism to support salary, welfare payments, and stored-value disbursements, enhancing overall electronic payment account balances and transaction amounts.
- Project management: Collaborated closely with development teams, monitored project progress, conducted feasibility assessments, planned features, authored requirement documents, and participated in testing and acceptance.
E.SUN Commercial Bank
Assistant Manager – Foreign Exchange & Product Development
05.2014 - 08.2021
Job overview
- Led cross-border negotiations and communication with regulatory agencies for licensing and new business applications.
- Managed foreign exchange digital platform development, enabling flexible FX services, and marketing campaigns.
- Built and optimized the PayPal withdrawal service with a microservices architecture, generating approximately TWD 4M per month in revenue.
- Drafted and filed applications for RMS (Razer Merchant Services) outbound license, with successful approval.
- Conducted system analysis, coordinated cross-functional teams, authored SOPs, and executed AML compliance processes.
Education
Chang Gung University
Master of Science from Industrial and Business Management – Finance
09.2010 - 01.2013
Tunghai University
Bachelor of Business Administration from International Business
09.2006 - 06.2010
Skills
Product Management & Strategy
Availability
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Timeline
Senior Business development Manager
Thunes Ltd.
09.2024 - Current
Product Director
All Win Fintech Co., Ltd.
07.2022 - 08.2024
Project and Product Manager
All Win Fintech Co., LTD
03.2021 - 06.2022
Assistant Manager – Foreign Exchange & Product Development
E.SUN Commercial Bank
05.2014 - 08.2021
Chang Gung University
Master of Science from Industrial and Business Management – Finance
09.2010 - 01.2013
Tunghai University
Bachelor of Business Administration from International Business
09.2006 - 06.2010
Languages
Chinese
English
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