Zhongcai Zhang

Senior Vice President, Risk Analytics

Mr. Zhang has over 23 years’ experience in banking related to banking analytics and modeling, with a focus on behavioral analytics-informed deposit management.  He leads the SitusAMC Risk Analytics team for deposit modeling and loan analytics production.  In this role, he provides quantitative modeling support as well as focuses the team on the delivery of high-quality, well-researched statistical analyses.

Mr. Zhang has vast experience in deposit analytics accumulated over several interest rate cycles from his decades-long career with regional banks. His deposit analytical expertise spans from product development, product and pricing strategies, profitability, cost-of-funds optimization, liquidity risk management, stress testing, and forecasting. He has extensive experience working with executives, business process owners, and examiners.

Prior to joining MVRA, Mr. Zhang was Chief Analytics Officer at New York Community Bank; He was on the executive team overseeing deposit management for over a decade. He also helped launch the bank’s model risk management unit and managed the model validation and governance for some time. Prior to joining NYCB, Mr. Zhang led a team at AmTrust Bank, providing centralized analytics, with a large focus on analytical support for deposit management and was a member of the deposit pricing committee for nearly a decade.

Mr. Zhang holds a Ph.D. in Urban Studies, with a major in Economic Development and a minor in Finance from Cleveland State University and an M.S. in Applied and Social Economics from Wright State University.

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