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Justin So

Lecturer; Vice President, Global Transaction Services, Bank of America Merrill Lynch

Justin So is an experienced treasury services and risk management professional with over 10 years of experience in the finance industry. He is currently a Vice President of Global Transaction Services at Bank of America Merrill Lynch, Global Corporate and Investment Banking group.

Prior to Bank of America, Justin worked in Global Treasury as well as Enterprise Risk Management Group at American Express. He was responsible for Fund Transfer Pricing, Risk Appetite Framework, and Economic Capital at the enterprise level. Before American Express, Justin worked at JPMorgan Chase, Regulatory Capital Management Office, covering the wholesale credit portfolios, specifically fixed income securities. Before JPM, he was a credit portfolio risk analyst at The Bank of Tokyo-Mitsubishi UFJ (currently MUFG Bank), New York office.

Before teaching at Columbia University, he was a finance adjunct faculty at Murray Koppelman School of Business, Brooklyn College, The City University of New York. He is also a certified Financial Risk Manager.


  • M.A., Financial Mathematics, Columbia University
  • M.A., Economics, New York University
  • B.B.A., Business Administration, Seoul National University