# Martin Lo

> Engineering @ Chime

Location: Greater Seattle Area, United States
Profile: https://flows.cv/martinlo

Martin is a Shiba Inu dad, a Miata enthusiast, a backcountry skier, and a technical domain expert in Risks, Fraud Detection, Payments, Fintech, and Disputes with a demonstrated history of experience in both tech startups and enterprises.

## Work Experience
### Senior Software Engineer, Trust and Safety @ Chime
Jan 2021 – Present | San Francisco Bay Area
Team lead on Disputes Engineering team.

Building the most delightful disputes user experience in the banking industry, minimizing fraud loss and operation costs for disputes, and ensuring Chime complies with the most up-to-date regulations.

Launched 0 to 1 self-service dispute products with the highest NPS score in the personal finance space.

### Software Engineer @ Chime
Jan 2020 – Jan 2021 | San Francisco Bay Area

### Software Engineer, Risk & Payments @ Wish
Jan 2018 – Jan 2020 | San Francisco Bay Area
The brain and muscle to fight buyer/seller frauds on Wish marketplace by leveraging data.

Busted merchant fraud rings on Wish marketplace using linkage analysis powered by Neo4j graph database.

A/B testing on multiple payment processors including Stripe, Braintree, PayPal, Klarna and etc in multi-region to optimize authorization for checkout.

### Senior Software Engineer @ Visa
Jan 2016 – Jan 2017 | Austin, Texas Area
Built VISA risk scoring platform dynamically serving real-time fraud detection models used by largest US banks including Chase, Wells Fargo, and BoA for CNP(Card not present) payment authorizations, and big merchants such as Southwest airlines and Home Depot.

### Business Analyst Intern @ HP
Jan 2012 – Jan 2013 | Taipei City, Taiwan
Procurement, Supply Chain, Printing & Personal Systems

Leveraged data to gain negotiation power for procuring LCD panels to supply HP worldwide laptop production.


## Education
### Master of Science (M.S.) in Computer Science and Engineering
The Ohio State University
Jan 2014 – Jan 2016

### Bachelor of Science (B.S.) in Computer Science
National Tsing Hua University
Jan 2009 – Jan 2013


## Contact & Social
- LinkedIn: https://linkedin.com/in/martin-lo-97126243

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Source: https://flows.cv/martinlo
JSON Resume: https://flows.cv/martinlo/resume.json
Last updated: 2026-03-22