Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Hao Lu

Chicago,IL

Summary

Dynamic Senior Manager of Product with a proven track record at MorningStar, specializing in product strategy and operational excellence. Expert in Python and microservices architecture, I drive innovative solutions that enhance investor outcomes and streamline processes. Adept at leading cross-functional teams, I excel in delivering impactful results in retirement planning and financial technology.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Senior Manager of Product, Product Strategist

MorningStar
06.2022 - 01.2025
  • Directed initiatives to implement in-plan and out-of-plan annuities for plan sponsors.
  • Executed annuity buy/sell mechanisms through collaboration with Recordkeepers and third-party platforms.
  • Enhanced operational processes by overseeing development team integration with Recordkeepers.
  • Automated email notification services throughout investor onboarding, including enrollment and annual reviews.
  • Established a monitoring system to detect irregular transactions, enabling efficient error reporting.
  • Transformed monolithic systems into modular services, improving scalability and configurability.
  • Expanded product strategy from workplace plans to retail accounts, optimizing retirement income strategies.
  • Introduced multi-goal optimization and tax-loss harvesting to enhance investor outcomes.

Senior, Data Scientist

Ernst & Young
09.2021 - 05.2022
  • Spearheaded Northwestern Mutual Migration project, creating a pipeline for bulk investor financial plan data transfer between platforms.
  • Engineered RESTful API server to enable financial representatives to monitor and cross-reference during migration.
  • Automated project monitoring and error reporting to enhance operational efficiency.

Principal, Advice Solutions

NextCapital Group
05.2020 - 09.2021
  • Oversaw development of Managed Advice Solutions, focusing on retirement income generation and Hybrid QDIA integration.
  • Incorporated advanced goal achievability models, including Essential/Freedom targets and Adaptive Spending Strategy.
  • Pioneered multi-goal portfolio personalization to maximize utility scores and align investment durations.
  • Enhanced development lifecycle velocity through strategic architecture and process optimizations from research to production.
  • Led market positioning, contract drafting, and pricing negotiations for Managed Advice Solutions with enterprise partners.
  • Spearheaded partner onboarding initiatives, emphasizing Recordkeeper Integration and Auto Escalation processes.
  • Developed Retirement Index Glide Paths using Return-based Style Analysis across various Target Date Funds vintages.
  • Implemented Monte-Carlo simulation framework to generate time-series returns for a wide range of asset classes.

Education

Master of Science - Mathematical Finance

Illinois Institute of Technology
Chicago, IL
05.2012

Bachelor of Science - Applied Mathematics

Peking University
Beijing
06.2010

Financial Planning Certificate Program - Financial Planning And Services

DePaul University
Chicago, IL

Data Science Bootcamp - Full Stack Analysis and Visualization

Northwestern University
Chicago, IL

Skills

  • Python and JavaScript
  • Agentic AI workflow
  • TensorFlow and deep learning
  • HTML and CSS
  • Excel and Google Sheets
  • AWS and Google Cloud
  • Docker and Kubernetes
  • Version control with GitHub
  • Infrastructure as code with Terraform
  • Microservices architecture
  • Statistical analysis techniques
  • Machine learning algorithms
  • Monte Carlo simulations
  • Tax and retirement planning
  • Employee benefits management
  • Insurance products expertise
  • Project management with JIRA and Confluence
  • Design tools: LucidChart and Figma

Certification

  • Amazon Web Service, AWS Web Services Cloud Practitioner, AWS Web Services Solutions Architect Associate, AWS Web Services Developer - Associate, AWS Certified Machine Learning - Specialty
  • Actuarial Science, Passed Exam P, FM, MFE, MLC, C

Timeline

Senior Manager of Product, Product Strategist

MorningStar
06.2022 - 01.2025

Senior, Data Scientist

Ernst & Young
09.2021 - 05.2022

Principal, Advice Solutions

NextCapital Group
05.2020 - 09.2021

Master of Science - Mathematical Finance

Illinois Institute of Technology

Bachelor of Science - Applied Mathematics

Peking University

Financial Planning Certificate Program - Financial Planning And Services

DePaul University

Data Science Bootcamp - Full Stack Analysis and Visualization

Northwestern University

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Hao Lu