Miranda Ma, ARM, AIDA
Pembroke
Summary
Experienced risk and data analytics professional with over a decade of experience in financial services and regulatory environments. Currently working at the Bermuda Monetary Authority, leading data-driven risk assessment initiatives and supporting enterprise risk management (ERM) through supervisory innovation.
Proven ability to analyze and manipulate large, complex datasets using advanced analytical tools to generate insights. Skilled in stakeholder engagement, digital transformation, and cross-functional collaboration to drive efficient risk oversight.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Principal
Bermuda Monetary Authority
05.2023 - Current
- Worked closely with the supervisory and onsite teams and performed stress testing and scenario analysis exercises to evaluate the operational resilience of the company to adverse events.
- Reviewed quarterly regulatory filings such as risk assessment self evaluation and financial returns.
- Performed deep dive analysis on the risk assessment process and migrated the risk assessment model from excel to Power BI to highlight risky regulated entities for onsite planning.
- Designed and launched a sector-wide Thematic Review Questionnaire to all regulated entities on ERM Framework and analyzed responses with PowerQuery and PowerBI.
- Acquired thorough knowledge on regulatory requirement and supervisory activities from license application, to prudential reviews, onsite, and enforcements.
- Developed Supervisory process flow diagrams and identified optimization opportunities to reduce duplicated manual data entry process.
- Participated in consultation meetings with industry executives on the new statutory reporting template
- Collaborated extensively with Cyber and AML team on the AML data call and Risk Assessment methodology
- Actively participated in the reform of updated risk assessment framework to align with the new National Risk Assessment model
- Created a series of PowerBI reports to highlight non-compliant licensees with insights on material reasons of breaches
- Worked with IT to migrate BTCSI’s file repository from M drive to Sharepoint to improve data integrity and data accessibility
Manager, Financial Analytics
Bermuda Commercial Bank
03.2020 - 05.2023
- Worked closely with Chief Risk Office on various initiatives related to BMA’s remediation requirements
- Prepared concentration report on top depositors for executives close monitoring
- Highlighted transactions from and to a short list of high risk countries to notify Head of Compliance for investigations
- Worked with external auditors to perform reconciliation analysis between banking system and accounting system to ensure consistency
- Developed a fully automated process to create FATCA and CRS reports to reduce report creation time from two months to one week
- Formed and headed the data committee of bank to create and drive a data culture from scratch
- Developed data driven tools to highlight insights for business partners to action more easily and quickly
Senior Manager, Business Strategy
Bell
04.2019 - 01.2020
- Acted as a management consultant to the president of the company to identify opportunities to improve sales of residential services
- Led on a credit risk assessment project that structured new customer onboarding process to match business risk appetite with the company’s client pool
- Initiated data monetization strategic partnership with leaders from various industries to develop a secured data ecosystem to discover unseen insights
- Worked together with IT to develop a set of platform migration strategies to improve operation efficiency
- Created analytics and visualizations to provide insight for the supervision and stakeholders engagements
Manager, Data Science
Bell
09.2017 - 04.2019
- Led a team of data scientists and data analysts to work on various projects to identify insights and solutions
- Worked with behavior data like TV viewership data, internet-browsing data, and geo-location data with big data tech suite such as Hadoop system
- Supported annually nineteen-million-dollars digital asset sales
- Acted as the project manager to lead a team of developers with agile software development approach to reduce data latency from sixteen weeks to less than one week and to save over three-million-dollars CAPEX
- Presented directly to industry clients and marketing agencies on findings to enable their commercial purchase planning
- Created visualization including traditional charts and heat map to demonstrate insights from analysis
- Performed statistical analysis on sample data to validate its true representation of population
- Performed data analysis with internal and external, structured and unstructured data sources for post-exposure lift measurements
Specialist, Business Intelligence
Bell
06.2014 - 09.2017
- Used financial and statistical analytics to uncover opportunities to improve price plan recommendations
- Developed automated Tableau dashboard to monitor agent performance real-time
- Created deep dive analytics to improve quality of offers presented in recommendation system
- Delivered ad-hoc analysis related to subscriber activity and history to protect Mobility ARPU
- Generated statistical report with visualization for data quality check
Portfolio Analyst
CIBC Bank | Wholesale Banking
01.2014 - 05.2014
- Worked on the development of an in-housing trading optimization tool that provides recommendations on collaterals to traders
- Exposure to mortgage backed securities
- Hosted weekly meeting with traders and portfolio managers to discuss change requests
- Hosted daily project meetings with in-house developers and external vendors to ensure timely delivery of the projects
Meteorological Data Analyst
York University | Lassonde School of Engineering
09.2013 - 12.2013
- Assisted in the development of a weather forecast model on micro scale weather system which was later used for Pan American Games hosted in Toronto
- Prepared dataset for meteorologists for weather forecasting using Amazon AWS supercomputer and assimilation models
- Performed data cleaning for the researcher’s real time model and conducted literature reviews for research paper
Education
CERA (Passed Three Out of Five Exams)
Society of Actuaries
CPCU (Passed Six Out of Eight Exams)
The Institutes
Associate in Risk Management (ARM)
The Institutes
Associate in Insurance Data Analytics (AIDA)
The Institutes
Master’s degree - Economics
York University
Honors bachelor’s degree - Economics
University Of Western Ontario
University Certificate - Enterprise Data Analytics
University of Toronto
Skills
Familiar with advanced statistical modelling and catastrophe modelling
Experienced with regulatory and statutory reporting and financial returns
Strong analytical skills with the ability to manipulate and interpret large data sets
Proficiency in basic and advanced Microsoft Tools
Microsoft Certified user for advanced data visualization tools (PowerBI, Azure AI, Power Platform)
Experienced using programming languages and tools (SQL, Python, R)
Certification
Microsoft Certified: Azure AI Fundamentals
Microsoft Certified: Power Platform Fundamentals
Microsoft Certified: Power BI Data AnalystLanguages
English
Bilingual or Proficient (C2)
Chinese (Mandarin)
Bilingual or Proficient (C2)
Timeline
Principal
Bermuda Monetary Authority
05.2023 - Current
Manager, Financial Analytics
Bermuda Commercial Bank
03.2020 - 05.2023
Senior Manager, Business Strategy
Bell
04.2019 - 01.2020
Manager, Data Science
Bell
09.2017 - 04.2019
Specialist, Business Intelligence
Bell
06.2014 - 09.2017
Portfolio Analyst
CIBC Bank | Wholesale Banking
01.2014 - 05.2014
Meteorological Data Analyst
York University | Lassonde School of Engineering
09.2013 - 12.2013
CERA (Passed Three Out of Five Exams)
Society of Actuaries
CPCU (Passed Six Out of Eight Exams)
The Institutes
Associate in Risk Management (ARM)
The Institutes
Associate in Insurance Data Analytics (AIDA)
The Institutes
Master’s degree - Economics
York University
Honors bachelor’s degree - Economics
University Of Western Ontario
University Certificate - Enterprise Data Analytics
University of Toronto
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