Charlene YangPersonal portfolio

Projects

Projects

Featured and in-progress projects. Placeholders are labeled and do not invent results.

2026payments-credit-riskpublished

Digital Goods Merchant Risk Strategy Lab

Intangible, instant, high-frequency digital goods weaken traditional underwriting evidence and create contingent exposure.

Role Product framing, research synthesis, risk taxonomy, policy design, architecture, and implementation.

Artifact Documented strategy lab with synthetic archetypes, decision policy, and API-first interactive direction.