Dr .Aaron Lai, CFA, is the Senior Manager of Market Analytics of Blue Shield of California in San Francisco and formerly a VP and Senior Quantitative Research Associate of the Bank of America. He has over 15 years’ experience in consumer analytics and credit risk management. In addition to dozens of publications in academic journals, professional magazines, and technical books, he has also presented in many international conferences and received several patents. He has two B.Sc. (Finance from City University of Hong Kong and Management Studies from University of London), as well as a MBA from Purdue and two M.Sc. from Oxford (Sociology and Evidence-based Healthcare). His volunteer service includes being a CFA Magazine Advisory committee member, reviewer for several journals, and he is also a former President and current Board Member of the Oxford University Society Northern California Branch.