Xiaoling (Sean) Yu is a SVP and Director of Model Validation at KeyBank. He has over 15 years of experience in the financial services industry in different quantitative roles. His areas of functional expertise include Consumer and Commercial Credit Risk, Stress Testing and Capital Modeling, Allowance/Reserve, Comliance Modeling, Business Analytics, and Model Governance. Prior to Key, Sean was Sr. Group Manager of Quantitative Analytics and Model Development in PNC Financial Service Group. He started his financial services career in National City Bank as a Sr. Capital Allocation Analyst after worked as a Research Consultant at the Center for Regional Economic Issues of Case Western Reserve University. Sean has a Ph.D. in Economics from Case Western Reserve University, and a Master in Management Science and a Bachelor in Industrial Economics from Tianjin University.