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Joy Zhao's work experience includes the following roles:

- Data Analyst at FLYR Labs since August 2022.

- Senior Data Analyst, Credit at CTBC Bank Corp. (USA) from April 2020 to present.

- Data Analyst, Credit at CTBC Bank Corp. (USA) from November 2015 to March 2020.

- Commercial Lending Intern at CTBC Bank from June 2015 to September 2015.

- Fixed Income Intern at Xiangcai Sec. in July 2014.

- Private Banking Intern at Citi in January 2014.

- Campus Marketing & Branding Team Leader at EIE & CO from September 2011 to July 2012.

- Business Immersion Program participant at MassMutual Financial Group in August 2011.

Joy Zhao earned a Master's degree in Finance from the University of California, San Diego - Rady School of Management from 2014 to 2015. Prior to that, they completed their Bachelor of Economics degree in Finance from the Southwestern University of Finance and Economics, from 2010 to 2014. Additionally, Joy obtained certifications in "The Ultimate MySQL Bootcamp: Go from SQL Beginner to Expert" from Udemy in May 2019 and "Microsoft Excel - Data Analysis with Excel Pivot Tables" from Udemy in February 2019.