Frank Tian is a seasoned risk management professional in the consumer lending industry. He is the author of the book, "Unsecured Lending Risk Management".

Frank's work over the past two decades has spanned the full spectrum of retail risk management, from credit strategy and risk modeling to credit systems and fraud management.

Frank has held various risk positions at multiple financial institutions in the US and Canada, including Wells Fargo, MUFG Union Bank, GE Money, BMO, and CIBC.

He holds a Master’s Degree in Economics and is a certified Financial Risk Manager (FRM).