
Fraud and Abuse
Runkai Zhao, CFA, is a data science leader specializing in fraud detection and risk analytics. At Discover, he drives fraud strategy across acquisitions, reducing losses through machine learning and real-time scoring. With an M.S.E. from Johns Hopkins, he combines technical expertise and business insight to deliver impactful, data-driven solutions.
plaid.com
discover.com
jhu.edu
cmbchina.com
Greater Chicago Area
Fraud and Abuse
Plaid
• www.linkedin.com/company/plaid-
• Full-time
Jul 2025 - Present
Senior Manager Data Science - Application Fraud Risk (credit card and personal loan)
Discover Financial Services
• www.linkedin.com/company/discover
• Full-time
Apr 2023 - Jul 2025
Greater Chicago Area
Principal Data Scientist - ATO Authentication
Discover Financial Services
• www.linkedin.com/company/discover
• Full-time
May 2022 - Apr 2023
Greater Chicago Area
Lead Data Science Analyst - ATO Authentication/3DS CNP/ClicktoPay
Discover Financial Services
• www.linkedin.com/company/discover
Aug 2019 - May 2022
Greater Chicago Area
Sr.Authorization Performance Analyst
Discover Financial Services
• www.linkedin.com/company/discover
May 2018 - Aug 2019
Greater Chicago Area