Financial Literacy,
Fraud Strategy & Analytics.

I'm De Lu — based in Boston, previously lived in Chicago, Dallas, and across the U.S., as well as Shanghai and Hamburg. A risk analytics leader at Citizens Financial Group and incoming M.S. candidate at Harvard, I bring a global perspective to everything I do.

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De Lu
6+
Years Experience
3
Degrees / Institutions
4
Community Orgs
6
Cities Lived Globally
Career

Experience

Risk Analytics Manager, AVP
Jul 2025 – Present
Citizens Financial Group — Fraud Strategy & Analytics — Boston, MA
  • Architect and deploy real-time fraud detection rules within FICO Falcon, preventing ~$3–4M in fraud losses per month across debit/credit card and digital payment channels serving 5M+ U.S. consumers.
  • Design fraud controls across voice biometrics (Pindrop), digital identity intelligence (ThreatMetrix), and behavioral authentication (Entersekt) for coordinated defense across call center, digital, and payment ecosystems.
  • Produce actionable fraud intelligence—transaction mappings, behavioral indicators, fund-flow pathways—to support internal investigations and federal law enforcement referrals.
  • Lead escalation for complex, high-value fraud events (>$5K), conducting root-cause forensic analysis and implementing targeted detection strategies.
  • Analyze large-scale datasets using SQL, SAS, Python, and AWS Redshift to identify emerging fraud typologies (ATO, synthetic identity, mule networks).
  • Build executive dashboards (Tableau) for real-time risk visibility, regulatory oversight, and audit readiness.
  • Conduct Business Initiative Risk Assessments (BIRA) for new products and customer journeys, embedding preventative controls prior to launch.
Senior Strategy Consultant, AVP
Sep 2022 – Jul 2025
Citizens Financial Group — Consumer Banking Strategy — Boston, MA
  • Designed and operationalized the Consumer Divisional Scorecard, a unified measurement framework across customer, financial, risk, and operational metrics for senior leadership.
  • Led monthly performance reporting across Consumer Lending, Deposits, Contact Center, Sales, Digital, Wealth Management, and Private Bank using SQL and Tableau.
  • Directed competitive intelligence and market benchmarking using S&P Capital IQ, BAI, Argus, and Finalta, informing executive strategy and competitive positioning.
Senior Business Analyst, AVP
May 2021 – Sep 2022
Citizens Financial Group — Mortgage Strategy & Analytics — Boston, MA
  • Designed reporting frameworks and interactive Tableau dashboards to track sales, operational performance, and customer behavior for lending leadership.
  • Leveraged SQL and advanced analytics to evaluate business drivers and performance trends, driving process improvements and revenue growth.
  • Owned the full data lifecycle from querying and aggregation to visualization, producing high-impact outputs for sales and operations leadership.
Senior Financial Analyst
Feb 2020 – May 2021
Caliber Home Loans — Corporate Strategy — Dallas, TX
  • Delivered financial analysis and reporting directly to the CFO and executive team, providing data-driven recommendations for enterprise-level decision-making.
  • Led month-end close, variance analysis, budgeting, and forecasting across Production, Servicing, and Corporate divisions.
  • Built advanced financial models for forecasting, cost-benefit analysis, and performance projections to evaluate investment decisions and operational strategies.
Academic

Education

Harvard University
M.S. in Learning Design, Innovation & Technology
Cambridge, MA · 2026 – 2028
HGSE Merit Scholarship Recipient
Northwestern University
M.S. in Project Management, Analytics Concentration
Evanston, IL · 2018 – 2019 · GPA 3.8/4.0
Graduated with Honors · McCormick School of Engineering
ML, Optimization, Regression, Experiment Design, Data Management
East China Univ. of Science & Technology
B.S. in Engineering Management
Shanghai, China
Outstanding Graduation Thesis Award
International School of Management
International Business Certificate
Hamburg, Germany
Expertise

Technical Skills

Fraud Detection & Risk
FICO Falcon ThreatMetrix Pindrop Entersekt Transaction Monitoring Anomaly Detection ATO / Synthetic ID Mule Networks
Data Engineering & Analytics
SQL Python SAS R Stata AWS Redshift MS SQL Server
Machine Learning & Statistics
Regression Classification Clustering Neural Networks A/B Testing Risk Segmentation
Visualization & Business Tools
Tableau Power BI Hyperion Essbase S&P Capital IQ JIRA Confluence
Academic

Research & Teaching

Publication
"Does China's Outward Direct Investment Improve the Institutional Quality of Host Countries? Evidence from Countries along the 'One Belt and One Road'"
Journal of Shanghai University of International Business and Economics, 2017
Teaching
Teaching Assistant — Financial and Managerial Accounting (PROJ_MGT 403)
Northwestern University · Fall 2019 — Supported course instruction and facilitated practical application of accounting concepts.
Teaching
Teaching Assistant — Capital Markets (FINC 950)
Northwestern University, Kellogg School of Management · Fall 2019 — Guided MBA student research using Stata, provided statistical support, and evaluated coursework.
Impact

Community Engagement

Minds Matter Boston
Mentor · 2025 – Present
Advising first-generation, low-income high school students weekly on college admissions strategy, essay development, test prep, and life skills.
Big Brothers Big Sisters
Big Brother Mentor · 2025 – Present
Providing sustained mentorship, role modeling, and guidance to support children's personal growth and resilience.
Victory Programs
Financial Literacy Instructor · 2025
Developed and delivered financial literacy workshops for vulnerable populations, improving financial awareness and money management skills.
Boston Partners in Education
Math Tutor · 2025
Individualized math instruction for Boston Public School students, adapting teaching strategies to diverse learning styles.
Off the Clock

Beyond Work

Latte Art
Coffee latte art Matcha latte art Coffee latte art
Cooking & Sharing Food
Homemade dumplings three ways Fresh pasta carbonara Fluffy omelette with scallions Grilled lamb chop with rice
Penne with bacon and cheese Scrambled eggs on arugula toast Crispy dumpling pancake Homemade dish

When I'm not analyzing data, I'm perfecting latte art and cooking for friends.

Recognition

Awards & Honors

★
Citizens Credo Award
Recognized multiple times by senior leaders across the bank for consistently demonstrating excellence and contributing to organizational success.
★
HGSE Merit Scholarship
Competitive scholarship from Harvard Graduate School of Education recognizing academic merit and potential to advance interests in fraud prevention, financial literacy, and education.
★
Certificate of Graduation with Honors
Robert R. McCormick School of Engineering, Northwestern University, 2019.
★
Outstanding Graduation Thesis
East China University of Science and Technology, 2018 — recognized with the Comprehensive Course Scholarship for exceptional research quality.

Let's work together.

Always happy to connect and exchange ideas on fraud strategy, financial literacy, analytics, and education.

delu@gse.harvard.edu LinkedIn