Morning Zhao

I’m a Risk Strategy and Fraud Operations professional focused on building scalable solutions for marketplace trust and safety. I work across fraud detection, payment risk, chargebacks, seller and buyer risk, and content abuse — turning real-world fraud patterns into rules, data signals, and automated risk controls.

Experienced in fraud detection, payment and chargeback risk, SQL/data analysis, and marketplace risk operations
Build and optimize risk rules, monitoring dashboards, and AI-assisted fraud detection workflows
Investigate emerging fraud patterns and translate cases into scalable prevention strategies
Work cross-functionally with Product, Data, Engineering, and Operations to turn risk findings into practical solutions
Interested in using AI and automation to make risk management more accurate, efficient, and scalable