Justin So is an experienced finance and risk management professional with over 15 years of experience in the banking industry. He is currently a Vice President at Bank of America, Global Transaction Services.

Prior to Bank of America, Justin worked in Global Treasury as well as Enterprise Risk Management Group at American Express. He was responsible for Fund Transfer Pricing, Risk Appetite Framework, and Economic Capital at the enterprise level. Before American Express, Justin worked at JPMorgan Chase, Regulatory Capital Management Office, covering the wholesale credit portfolios, specifically fixed income securities. Before JPM, he was a credit portfolio risk analyst at The Bank of Tokyo-Mitsubishi UFJ (currently MUFG Bank) in New York office.

Justin is also an adjunct faculty at Columbia University and Fordham University Gabelli School of Business, teaching risk management, corporate finance, and financial modeling courses. He is a Certified Treasury Professional (CTP) and a certified Financial Risk Manager (FRM).