Y. REGINA CHANG


Y. REGINA CHANG

Director of Product Management – Analytics and Reporting with
SoundBite Communications, an interactive voice messaging solutions

provider in Burlington, Massachusetts.  

 E-mail: rc3838@yahoo.com

EDUCATION

THE OHIO STATE UNIVERSITY, Columbus OH

    Ph.D., Consumer and Household Economics, September 1993

    Minor: Statistics (six graduate level courses
    including Data analysis I & II, Regression analysis, Non-parametric
    analysis, Multivariate analysis, and Survey sampling methods; passed
    minor
    exam administered by Statistics department).

    Economics (six graduate level courses
    including
    Microeconomic theory series I, II, & III, Econometrics series I,
    II,
    & III; passed qualifying exam administered by Economics department).



    Dissertation: “Income Uncertainty And Household Saving Behavior: An
    Empirical Investigation”

    Advisor: Dr. Sherman Hanna


THE OHIO STATE UNIVERSITY, Columbus OH

    M.S., Consumer and Household Economics, Autumn 1990

    Thesis: “An Exploratory Study of Consumer Credit Search Behavior”

    Advisor: Dr. Sherman Hanna


NATIONAL TAIWAN UNIVERSITY, Taiwan, R.O.C.

    B.A., June 1988

    Major: Sociology

PREVIOUS WORK EXPERIENCE

          Analytic
Director with Epsilon, a Burlington, Massachusetts based marketing
service providerMassachusetts, 1998-2006


    Research Analyst, BankBoston, Boston, Massachusetts

    1997-1998
    Assistant Professor

    August 1994 — August 1997

    Department of Consumer and Family Economics

    University of Missouri-Columbia

  • Taught CFE183 “Fundamental of
    Personal Finance,” CFE283 “Computer
    Application
    in Personal Finance,” CFE388 “Effective Consumer Decision Making,” and
    CFE418, a graduate level “Consumer and Family Economics Research Design
    and Methods.”
  • Advised undergraduate and graduate students.
  • Conducted scholarly research. Areas of interests: household
    saving and
    consumption behavior, consumer decision making behavior, consumer
    credit
    use/debt behavior, family and personal finance. Use Internet,
    spreadsheet
    (Excel, Lotus 1-2-3), word processing (WordPerfect, Microsoft Word),
    graphic
    software (WordPerfect Presentation, Power point), and SAS on daily
    basis.
    Also familiar with SPSS PC . Used national data sets (Survey of
    Consumer
    Finances, Consumer Expenditure Survey, National Longitudinal Survey) in
    research.
  • Participated in professional
    organizations/university/college/departmental
    supporting activities
  • Supervised development of department’s home page
  • Developed a capstone course in the department (case study in
    insurance,
    investment, and retirement planning)

Post-Doctoral Researcher


    January 1994 — June 1994

    Department of Family Resource Management

    The Ohio State University

  • Conducted research projects on income
    variability, effect of
    income uncertainty
    on household saving behavior.

Lecturer


    January 1994 — March 1994

    Department of Family Resource Management

    The Ohio State University

  • Taught “Family Resource Management
    Application” (FRM 341.02)

Graduate Research Associate


    January 1991 — June 1993

    Department of Family Resource Management

    The Ohio State University

  • Analyzed data (using SAS, MINITAB, SPSS
    PC) for research projects
    based
    on National Longitudinal Survey, National Longitudinal Survey of Youth,
    Survey of Consumer Finances, and local data set (analysis methods
    include
    basic statistics, logit, probit, tobit and other regression analysis).
  • Assisted research project on life cycle savings pattern of
    households
    and
    economic analysis of divorce and remarriage.
  • Produced tables and graphic presentations of Census population,
    family
    economic status and housing data (Quattro Pro, and WordPerfect
    Presentations).
  • Developed code book and analyzed data of local data (Ohio) on
    “Divorce
    and Custody Settlement” and “Quality of Housing”.

Graduate Teaching Associate

  • Taught (sole responsibility) “Family Resource Management
    Application”
    (FRM
    341.02, 2 credits, Autumn 1992, and Spring 1993; 60 students per
    quarter).
  • Taught ten classes of “Consumer Policy: Evolution and
    Effectiveness”
    (session
    of Economic System and Policy Making; FRM 372, Spring 1992).
  • Advised students in the class “Consumers and the Market II” (FRM
    672,
    Winter
    1992, 86 students, and Winter 1993, 120 students).

AWARDS

  • Nominated for ACCI Applied Consumer Economics award, 1993, 1994

  • McGraw-Hill Competitive Paper Award, Academy of Financial Services, 1992

  • McGraw-Hill Competitive Paper Award, Academy of Financial Services, 1991

  • Finalist, ACCI thesis competition, 1991

  • Reviewer, Financial Counseling and Planning (The Journal of the
    Association
    for Financial Counseling and Planning Education)PUBLICATIONS Click
    on
    underlined titles to see abstracts or articles

    Refereed Journal Articles


  • Huston, S. J. & Chang, Y. R. (1997). Adequate
    emergency fund holdings and household type
    , Financial
    Counseling
    and Planning
    , 8(1), 37-46

  • Chang, Y.R., Hanna, S. & Fan, X.J. (1997). Emergency
    fund levels: Is household behavior rational?
    , Financial
    Counseling
    and Planning
    , 8 (1), 47-55.

  • Chang, Y. R. (1995). “The Effect of Children’s Educational Expectation
    on Non-Retirement Financial Asset Accumulation,” in the Family
    Economics
    and Resource Management Biennial
    , 1,

  • Chang, Y. R. & S. Huston (1995).
    “Patterns of Adequate Household Emergency Fund Holdings: A Comparison
    of
    Households in 1983 and 1986,”
    in Financial Counseling and
    Planning
    ,
    Vol. 6, 119-128.

  • Hanna, S, Fan, J.X. & Chang, Y.R. (1995). “Optimal
    Life Cycle Savings,”
    Financial Counseling and Planning,
    Vol.
    6, 1-16.

  • Chang, Y. R. & S. Hanna (1994). “Saving
    Behavior of U.S. Households in the 1980s: Results from the 1983 and
    1986
    Survey of Consumer Finance,”
    Financial Counseling and Planning,
    5, 45-64.

  • Chang, Y. R. & S. Hanna (1994). “Determinants of Household Expected
    Real Income Growth in the U.S.A.,” Journal of Consumer Studies and
    Home
    Economics
    , 18, 315-329.

  • Fan, X. J., Y. R. Chang, & S. Hanna (1993).“Real
    Income Growth and Optimal Credit Use,”
    Financial Services Review,
    2(2), 45-58.

  • Chang, Y. R., S. Lindamood (1993). “Factors
    Related to the Risk of Household Income Variability,”
    Financial
    Counseling and Planning
    , 4, 47-66.

  • Chang, Y. R., S. Hanna (1992). “Consumer Credit Search Behaviour,” Journal
    of Consumer Studies and Home Economics
    , 16, 207-227.

  • Fan, X.J., Y.R. Chang & S. Hanna (1992). “Optimal
    Credit Use With Uncertain Income,”
    Financial Counseling and
    Planning
    ,
    3, 125-134.


  • Refereed Conference Proceedings

  • Chang, Y.R., S. Hanna, S. Huston & J. Xiao (1996). “The Web:
    Promises
    and Pitfalls for Personal Financial Planning,” in Proceedings of
    the
    14th National Conference of Financial Counseling and Planning Education
    ,
    147.

  • Chang, Y.R. (1995). “Effects of Expected Future Income and Other
    Factors
    on Adequacy of Household Emergency Fund Savings,” in the Proceedings
    of the 41th Annual Conference of American Council on Consumer Interest
    ,
    220-221.

  • Chang, Y.R. & S. Hanna (1994). “Factors Related to Risk of A
    Substantial
    Decline in Non-Housing Wealth,” in the Proceedings of the 12th
    National
    Conference of Financial Counseling and Planning Education
    , 133-134.

  • Chang, Y.R. & S. Hanna (1994). “Factors Related to Household
    Saving,”
    in the Proceedings of the 40th Annual Conference of American
    Council
    on Consumer Interest
    , 148-155.

  • Chang, Y.R. & S. Hanna. (1994). “Factors Related to Household
    Expected
    Real Income Growth,” in the Proceedings of the Eastern Family
    Economics/Resource
    Management Conference.

  • Bae, M.K., Y.R. Chang, S. Hanna, S. Lindamood & A. Martin (1993).
    “Overspending:
    Three Approaches,” Proceedings of the Association for Financial
    Counseling
    and Planning Education
    , 17-19.

  • Hanna, S., Y.R. Chang, X.J. Fan & M. Bae. (1993) ” Emergency Fund
    Levels
    of Households: Is Household Behavior Rational?” in the Proceeding
    of
    39th Annual Conference of American Council on Consumer Interests
    .

  • Chang, Y.R., X.J. Fan & S. Hanna (1992). “Relative Risk Aversion
    and
    Optimal Credit Use with Uncertain Income,” in the Proceeding of
    38th
    Annual Conference of American Council on Consumer Interests
    , 14-22.

  • Fan, X.J., Y.R. Chang & S. Hanna (1992). “A Two Period Analysis of
    Credit Use with Uncertain Income,” in the Proceeding of 21th
    Conference
    of Southeastern Regional Association of Family and Home Management
    ,
    112-117.

  • Chang, Y.R., S. Hanna (1991). “Consumer Credit: An Exploratory Study of
    Search Behavior,” in the Proceeding of the 37th Annual Conference
    of
    American Council on Consumer Interests
    , 23.

  • Chang, Y.R., N.M. Rudd (1991). “An Exploratory Study of Economic Theory
    of Marriage,” in the Proceedings of the 20th Annual Conference of
    Southeastern
    Regional Association of Family Economics Home Management
    , 101-107.


  • Other Publications and Presentations

  • Chang, Y.R. & S. Huston (1996). “The Survey of Consumer
    Finances
    Data,”
    in the 14th National Conference of Financial Counseling and
    Planning
    Education.
    (invited guest speaker)

  • Chang, Y.R. & S. Huston (1996). “The Web: Promises and Pitfalls in
    Personal Financial Planning,” paper presented in the 14th National
    Conference
    of Financial Counseling and Planning Education.

  • Chang, Y.R., & S. Hanna (1994). “Optimal Retirement Planning with
    Income
    Prediction Equation,” poster presented at and in the Paper Abstracts of
    the 1994 Academy of Financial Services Eighth Annual Program, St.
    Louis,
    MO.

  • Chang, Y. R. & S. Hanna (1994). “Liquidity Constraints and
    Household
    Saving Behavior,” paper presented at the 20th Annual Convention of the
    Eastern Economic Association, Boston.

  • Chang, Y.R., & S. Hanna (1993). “Income Variability and Other
    Factors
    Related to Household Non-Housing Asset Accumulation,” paper presented
    at
    and in the Paper Abstracts of the 1993 Academy of Financial Services
    Seventh
    Annual Program, Toronto, Canada.

  • Fan, X.J., Y.R. Chang & S. Hanna (1992). “Real Income Growth and
    Optimal
    Credit Use,” paper presented at and in the Paper Abstracts of the 1992
    Academy of Financial Services Sixth Annual Program, San Francisco CA,
    pp.
    15.

  • Hanna, S., Y.R. Chang & X.J. Fan (1991). “Prescribing Life Cycle
    Savings
    Patterns for Households,” paper presented at and in the Paper Abstracts
    of the 1991 Academy of Financial Services Fifth Annual Program,
    Chicago,
    IL.

  • Hanna, S., Y.R. Chang & X.J. Fan (1991). “Prescribing Life Cycle
    Savings
    Patterns for Households,” Working Paper 91-01, Department of Family
    Resource
    Management, The Ohio State University.
  • PROFESSIONAL MEMBERSHIPS/SERVICE

  • Speaker for DMA Analytic Seminar “How to Estimate the Attitudes of
    Millions from the Opinions of a Few: A Step-by-Step Guide”

       June 12, 2006, DMA Seminar Center, New York, NY

       http://www.the-dma.org/councilevents/analyticmayseminar/

  • Reviewer, Family Economics and Resource Management Biennial, 1995

  • Reviewer, papers submitted to Association of Financial Counseling and
    Planning
    Educators Annual Conferences

  • Chair, ACCI Graduate Student Paper Session, 1995-1997

  • Committee member, Student Recognition Committee, College of Human
    Environment
    Science, University of Missouri-Columbia

  • Committee member, Committee for Review of Activities Involving Human
    Subject,
    College of Human Environment Science, University of Missouri-Columbia

  • Committee member, Computer and Technology Task Force Committee, College
    of Human Environment Science, University of Missouri-Columbia