A senior analytics executive in the Financial Services industry, Mr. Zhongcai Zhang provides thought leadership on and serves as chief architect for the development of innovative analytic solutions to business challenges.  At New York Community Bancorp, Mr. Zhang is responsible for enterprise-wide business analytics, providing operational and strategic decision support to such areas as retail deposit management, customer acquisition and retention, product cross-selling, deposit pricing and product development, liquidity management, product and branch profitability, and process optimization.  His background includes academic publishing, analytics conference speaking, and industry case study featuring.