Y. REGINA CHANG
Director of Product Management – Analytics and Reporting with
SoundBite Communications, an interactive voice messaging solutions
provider in Burlington, Massachusetts.
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
- 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)
August 1994 — August 1997
Department of Consumer and Family Economics
University of Missouri-Columbia
Post-Doctoral Researcher
- Conducted research projects on income
variability, effect of
income uncertainty
on household saving behavior.
January 1994 — June 1994
Department of Family Resource Management
The Ohio State University
Lecturer
- Taught “Family Resource Management
Application” (FRM 341.02)
January 1994 — March 1994
Department of Family Resource Management
The Ohio State University
Graduate Research Associate
- 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”.
January 1991 — June 1993
Department of Family Resource Management
The Ohio State University
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
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
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
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
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