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Neil Y. Ni, PhD, currently serves as VP/GM at Discover Financial Services since 2014. Previous positions include Director at Merkle China (2011-2013), SVP and Lead of Asia Card Services at Bank of America (1998-2011), and several roles at PNC Bank Cards and Capital One. Earlier in the career, Neil worked as a Visiting Scientist at the Smithsonian Institution. Neil holds a PhD in Geology from Miami University, an MBA in Finance from Goldey-Beacom College, and a B.S. in Geochemistry from Zhejiang University.