Mochiao
Chen
中/EN

PROFILE / CURRICULUM VITAE

About & Experience

Mochiao Chen's education, AI product practice, professional experience, projects, and technical capabilities.

Profile

I am Mochiao Chen, currently working on AI products at Tara while studying Finance in the Hongru Finance Talent Program at the University of International Business and Economics.

My work sits at the intersection of product, finance, and computation: turning language models into useful products, using research and data to understand industries, and writing to make complicated questions clear and verifiable.

Current

AI Product · Tara Present

I currently work on AI products at Tara.

Education

University of International Business and Economics Sep 2024—Jun 2028

B.Econ. in Finance · Hongru Finance Talent Program · China School of Finance

Experience

Investor Relations Intern · MiraclePlus May 2026

  • Connected MiraclePlus with the technology startup ecosystem, identifying high-potential founders across multiple channels and supporting their conversion into the programme.
  • Helped design and deploy an internal AI agent system, building a structured RAG knowledge base to improve institutional knowledge capture.

Investment Banking Intern · CITIC Securities Jan—May 2026

  • Worked on the Hong Kong IPO of an embodied-intelligence company and contributed to the business section of its prospectus; analysed AI algorithms, perception systems, the robotics hardware chain, core business logic, and comparable companies.
  • Supported M111 filings and responses to the Hong Kong Stock Exchange as part of the listing application process.

Investment Banking Intern · Great Wall Securities Sep 2025—Mar 2026

  • Conducted due diligence for a corporate bond project, assisted with project-initiation and filing materials, and organised the working-paper archive.
  • Used Wind, iFind, Excel, and Python for market-data cleaning and peer analysis.

AI & Technology Content Operations Intern · Spruce Capital Mar—Sep 2025

  • Researched AI and consumer sectors, independently writing industry briefs on the business models and technical approaches of AI startups in China and abroad.
  • Built an AI-investing topic library and produced long-form analysis to support the investment team’s view of market trends.

Selected Projects

Lectio · AI Learning Skill May 2026

Beijing Student Computer Design Competition · Third Prize · Project Lead

  • Independently designed and developed an open-source AI learning skill that turns PDF slides, Bilibili or YouTube videos, and scattered notes into structured LaTeX handouts, Markdown previews, and Anki flashcards.
  • Designed for agent runtimes and tuned on the GLM model family, with Socratic questions, Feynman compression, and automatic flashcards; released under GPL-3.0.

Jianzhendun · Multimodal Financial Fraud Detection Nov 2025

ICBC Cup National Student FinTech Innovation Competition · National Third Prize · Core Developer / Tech Lead

  • Designed a multi-agent architecture that used prompt engineering to identify six categories of fraud, and led full-stack development.
  • Built an intermediary-fraud feature library; the model achieved 90% accuracy on the test set and produced quantitative risk scores.

Xinqiao · AI Mental-health Companion May 2025

Challenge Cup Beijing Student Academic & Technology Competition · Third Prize · Project Lead / PM

  • Owned the product PRD and business plan, taking the concept through the full product-development process.
  • Combined RAG with a counselling knowledge base to design an AI assistant for emotion recognition, psychological guidance, and companionship.

NIPT Timing Optimisation and Anomaly Detection Oct 2025

China Undergraduate Mathematical Contest in Modeling · Beijing First Prize · Core Team Member

  • Built a multidimensional machine-learning framework on clinical data, handling missing-value imputation, outlier removal, and modelling implementation.
  • Wrote the project’s core abstract and produced visualisations of distributions, feature importance, and ROC curves in Python.

Capabilities

Area Tools and methods
Programming Python, C++, SQL, HTML, JavaScript, LaTeX
AI product LLM applications, prompt engineering, agents, RAG, product requirements
Data & research Data cleaning, visualisation, machine-learning fundamentals, statistical modelling, industry research
Languages English C1; CET-4 score 626; professional working proficiency

Awards

  • Beijing Student Humanities Knowledge Competition, Individual First Prize, Nov 2025
  • ICBC Cup National Student FinTech Innovation Competition, National Third Prize, Oct 2025
  • China Undergraduate Mathematical Contest in Modeling, Beijing First Prize, Oct 2025
  • Challenge Cup Beijing Student Academic & Technology Competition, Third Prize (Project Lead), May 2025
  • National Student Statistical Modeling Competition, Third Prize, May 2025
  • 37th Chinese Chemistry Olympiad, Shaanxi First Prize, Nov 2023

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