Yining Zhu

Wealth Advisor Trainee (Licensed since 08/2026) at Manulife Financial Corporation (2026-03 – Present)

Passed Papers I, III, and V of the Hong Kong Insurance Intermediaries Qualifying Examination (IIQE) and obtained a valid license issued by the Insurance Authority; completed training in cross-border wealth management, covering trusts, wealth succession, cross-border taxation, and overseas residency planning.
Developed tailored client engagement strategies for three customer segments, including young international students, entrepreneurs, and clients focused on children’s education and family protection, across the Greater Bay Area and Yangtze River Delta; identified needs related to asset protection, education planning, premarital wealth preservation, and family wealth growth.
Led end-to-end client engagements for four policies with combined premiums of USD 430K (two savings plans and two critical illness plans) from prospecting and needs discovery through solution presentation and negotiation to the client’s purchase decision.

Audit & Assurance Intern at PwC (2023-01 – 2023-02)

Supported annual audits for multiple companies, prepared 10 audit working papers, assisted with audit materiality assessments, and verified over 300 financial records; tested accounting vouchers and reviewed bank confirmations.
Reviewed corporate records and identified potential related parties; organized and archived audit evidence documents.
Processed over 500 sets of financial data using Excel, performed data consolidation and reconciliation, and conducted detailed financial analysis.

Corporate Banking Intern at China Construction Bank (2021-07 – 2021-08)

Compiled financial statement data for over 50 corporate clients using Excel and calculated more than 20 key financial metrics, including debt-to-asset and current ratios; assessed operating performance and growth potential based on company fundamentals and industry characteristics.
Conducted financial reviews for 50 key corporate clients and assisted in preparing 50 financial analysis reports to support corporate credit ratings and credit risk assessment.
Supported end-to-end corporate deposit and lending processes, gained exposure to commercial banking risk management and corporate banking operations, and developed an understanding of corporate client relationship management.

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