2024 CTBC MA Program

Only by embracing challenges and aiming to surpass oneself can one conquer new heights

I am Hsin-ying He, a Business Development MA 2019 and an NCCU University MBA Program graduate. The advantage of the Business Development MA Program is its flexibility and breadth. With rotation opportunities spanning across various business units and subsidiaries, the Program arranges rotation positions according to the experience and background of each MA and the Group's annual strategic priorities, cultivating each MA to become a planning expert and outstanding staffer. During my training, I rotated to four business units: (1) the Bank's international management department, where I learned how to manage overseas branches across fourteen countries and regions from the CTBC headquarter's perspective; (2) international financial planning & analysis department, where I served as a bridge between CFOs of overseas branches and the headquarter Bank and learned about financial analysis, performance tracking, and budgeting for a bank; (3) the Bank's international retail banking division, where I served a planning position facilitating overseas branches to develop retail banking from a headquarter Bank's perspective and learned to develop strategies according to local market environment, competition, distributional structure, products, and customers; (4) strategic development department of the Financial Holding Company, where I participated in planning for the Group's annual strategies and targets, analysis and evaluation for potential M&A targets, coordination of inter-departmental and inter-subsidiary projects, preparation for Financial Holding Company strategic meetings, and contacting competent authorities.

【Daily routines and Project experience】

After completing the MA Program, I continued serving at the strategic development department of the Financial Holding Company, and my three primary responsibilities included:

1. Strategic projects: addressing key strategy issues across subsidiaries and business units, where I contribute to communication, coordination, and execution.
2. Investment projects: M&A is a crucial strategy for CTBC to expand its business operations, such as the acquisitions of Fuding Security, Taiwan Life, and Tokyo Star, the investment in LHFG Thailand, and the joint venture JMX Consumer Finance Co. During my daily work, I participate in the evaluation of potential investment targets in Taiwan and overseas in terms of assessing market opportunities, research on laws and regulations, evaluation and synergy analysis, on-site audits, and negotiations on terms and contracts. For investment projects, I often need to coordinate the efforts of business units within the Group and external consultants, financial advisors, and law firms. I also go on business trips with high-level executives, serving as a strategic staffer, assisting supervisors in negotiating with potential business partners, and witnessing the Group's constant expansion into new realms.
3. Coordination of planning Group-wide strategies: leading the regular and annual strategic plans for the Financial Holding Company and the subsidiaries and coordinating the yearly strategic meeting. From these three responsibilities, I have accumulated professional capabilities and broadened my horizons, and I can participate in the Group's operations comprehensively. I am constantly growing with the Company, and we continue to go beyond the current boundaries.

【MA's strength】

The CTBC MA Program has a substantial reputation in the financial industry because of the performance of my predecessors and the compact, well-designed, and thorough training program. Unlike ordinary employees, the MA can quickly rotate across multiple positions with higher flexibility and purpose within the two-year training and become a top manager. Furthermore, CTBC is a highly international Taiwanese financial institution, so the MAs work with international colleagues in Taiwan and abroad while training. Upon Program completion, MAs also have abundant expatriate opportunities to broaden their horizons.

However, as the MA Program offers excellent advantages, it comes with pressure and higher expectations. MAs must learn to deal with stress, such as exercise regularly and travel, to loosen up and better prepare for the challenges ahead. Having a better work-life balance will ensure a longer and happier career.

A rigorous and challenging journey

I graduated from the NCCU master's Program in the Department of Money and Banking. During the MA Program, I rotated through the Corporate Banking Group (Taiwan Corporate Banking Division IC5, Taiwan Public & Services Sector Banking Division FI), Commercial Product Division, Capital Market (Structured Finance Division, Funding & Gapping Division), and Finance Management Group (Financial Planning & Analysis Department - Institutional Banking).

【Daily routines and Project experience】

Upon completing the training, I was assigned to the Finance Management Group (Financial Planning & Analysis Department - Institutional Banking, Performance Management Department, and International Financial Planning & Analysis Department). My daily work involves financial report analysis, performance management, and formulating resource allocation and other mechanisms. I participated in capital reduction, cost improvement, and efficiency improvement projects, which examined each business unit's capital usage and expenses, gave recommendations, and stipulated relevant policies to improve the utilization of all resources.

【MA's strength】

Simply put, joining the CTBC family is a rigorous and challenging journey. Along the way, I have questioned myself many times because of the sheer difficulty. I often doubted myself - and to be fair, I may still get caught by self-doubt in the future. As I learned to be a team leader, setting the team's shared goals while respecting team members' individuality from various backgrounds was tough. (I am still learning from the frustration as I write this.) Fortunately, although the journey is rough, I have never been alone, for I have many outstanding fellow journeyers by my side. With their companionship and support, although I may still get lost or stumble sometimes, I still look forward to the next challenge. This remains consistent for my past, current, and future self.

To infinity and Beyond

My name is Liu You-Yu. I was an MA back in 2016, and my job now is employee development planning. Unless most of the other MAs from a business background, I graduated from the Department of Psychology of the National Taiwan University before joining the HR Department. During the two years of MA training, I rotated across all functions of the HR Department, serving as an HR business partner at the institutional banking, retail banking, and international units, as well as working at the recruitment, appointment, employee development, and HR management units. The highly intensive job rotation gave me an opportunity to quickly master the most essential HR practices. Besides the daily routines, I was assigned a research project in each of my rotation positions. Having to gather internal and external data within a very short period of time and making proposals based on the data and my analysis, I received solid training that enabled me to grow rapidly and understand key strategic issues relevant to the HR Department.

【Daily routines and Project experience】

After graduating from the MA Program, I spent three years at the Strategic Development Department of the Financial Holding, which proved to be a very precious experience. I was tasked with operations management and strategic meeting organization across the subsidiaries of the Financial Holding. By collecting and analyzing issues arising from and pertaining to the business performance and management in various units, I helped the executives track and discuss these issues. Meanwhile, my job also involved assessing potential investment or M&A projects and cross-industry collaboration opportunities. It was a process of gathering and organizing the basic facts of potential partners, analyzing their financial profile, proposing possible transaction structures, and reviewing the financial policies and regulations at home and abroad, which lays the groundwork for further feasibility assessment, transaction structure proposal, investment consideration and synergy evaluation.

Although what I did at the Strategic Development Department was very different from what I had learned at school and what I did as an HR personnel during the MA rotation, the skills I had developed during the training, namely, project planning, problem-solving, communication, as well as the ability to perform under stress, made it possible for me to outdo myself and learn quickly and deliver on every task when put to a different field of expertise.

【MA's strength】

Because of the proven track records of previous CTBC MA graduates, new MA graduates would receive a training and development plan different from their peers on Day 1 of the job. The two years of training quickly transforms a fresh college graduate into a professional talent capable of working independently. Outstanding graduates from the MA program are very likely assigned vital or challenging tasks, and hence have better opportunities of diverse career development and more favorable salary packages.

Of course, what you give is what you get in return, and highly challenging jobs require more time and endurance. To ensure sustainable stamina at work, I make sure to finish all work during the week, and leave the weekends for leisure activities such as sports and baking. I also have annual personal goals, such as climbing a few of the “100 Peaks of Taiwan” or obtaining Class C Baker Certification, to enjoy a personal life that is also full of diverse activities and challenges. I believe that the time spent in these activities will be food for the soul. Such high-intensity leisure activities require constant practice and thinking, and are thus great for helping me recover from the intense workload and allowing me to stay motivated whenever I feel frustrated!

Capturing every chance to grow, challenging myself, and heading toward excellence

I am Hsiu-ying Yo, MA of 2019, an NCU Graduate Institute of Finance graduate. I currently work at the C3 construction section, responsible for the Company's largest real estate development project, which plans to build commercial complex properties, including shopping malls, office buildings, churches, and banquet halls. The aim is to generate stable income for the Company while shaping an iconic cityscape for the Taipei East District Gateway Project. In the first year of my MA training, I rotated to the Product Department (II), Performance Management Department, and Risk Management Department. From rotating across the middle and back offices, I learned how to develop investment products, analyze operational data, manage budgets, allocate capital, and manage investment risks. I accumulated capabilities in data analysis, project management, and planning. The experience is also beneficial to the research assignments. In the second year, I started rotating across front offices under the Real Estate Investment Division, serving at posts of real estate investment, project management, development and construction, and real estate management. I gained a systematic understanding of real estate investment. I participated in development evaluation, construction management, and post-investment management, accumulating relevant professional knowledge and establishing a comprehensive investment vision through practice.

【Daily routines and Project experience】

Upon completing the MA Program, I was assigned to the Real Estate Division (I), responsible for real estate investment evaluation, which covers project collection, background investigation of investment targets, market analysis, development capacity simulation, product positioning, and financial analysis. My mission is to capture the latest developments in the real estate market, seeking potential targets to generate stable income streams and capital gains for the Company. Within three months of my assignment, I completed the Company's first urban development equity investment project, with me being solely in charge of the project's management and contract fulfillment.

My daily tasks include tracking project developments and relaying CTBC feedback to counterparties, which require proficiency in real estate and communication skills. Later, I transferred to the C3 construction section, managing the C3 development project. My role is to help the project team monitor the construction status, regularly updating board members and executives on the project. Real estate investment is a new area for me. Still, with the foundation I built during the MA rotation and the hands-on experience in real estate development, I can take on these challenges independently as an investment professional, applying experience to my daily work. I treasure every opportunity to participate in any project, striving to surpass myself and advance further.

【MA's strength】

The MA training is compact and intense; with one challenge after another, I accumulate various capabilities and advance through the ranks quickly. I find the MA Program has three advantages in advancing my career. Firstly, attending major corporate meetings allows me to understand the Company's strategic plans and the executives' decision-making process. Secondly, diverse rotation opportunities will enable me to expand my vision and build a personal network that will benefit inter-departmental communication in the future. Thirdly, being mentored by high-level executives makes the MAs stand out compared to other colleagues, opening up more opportunities to participate in critical projects and essential missions.

Want to explore the secrets of the capital market? Join the elite of CTBC Treasury Associates!

I am Yi-chen Wu, TA of 2022, who graduated from the NCCU master's Program in the Department of Money and Banking. After nine months of rotation, I work at the Funding & Gapping Division - the long-term bond investment section. During my TA training, I got to learn about the ins and outs of the trading desk, from the front offices (Trading Division, Treasury Sales Division, and Funding & Gapping Division), middle offices (Financial Markets Risk Division) to the back offices (Treasury OP & IT Division). I grasped each division's core functions and discovered my passion and interests.

During my rotation, besides accumulating professional knowledge, I also became equipped with independent thinking while I helped solve business pain points and optimize operational processes. I got the opportunity to shine at the trading desk. Through research assignments, I explored strategies and new products beneficial to the trading desk, developing problem-solving capabilities, logical analysis, and strategic planning. Want to explore the secrets of the market? Join the TA Program! This is a training ground for financial knowledge and practice and a stage to discover your potential and shine. Starting your career at CTBC is your best choice!

【Daily routines and Project experience】

The long-term bond investment section is responsible for the Bank's credit debt investment, which requires professional knowledge and sensitivity to capture opportunities in the ever-changing market. Furthermore, it requires proficiency in financial report analysis to evaluate the debtors' financial conditions and future solvency. My daily tasks involve tracking the latest market movements; I also have the opportunity to communicate with world-renowned traders and economists, learn from their insights on the capital market, and strengthen my professional skills and knowledge.

For my two research reports, I studied and analyzed the impact of the new insurance accounting standard on life insurance companies and a bank's trading desk. Such significant changes require the insurance industry to re-evaluate its business models and operational strategies. Changes to hedging behavior would also affect the performance of a bank's trading desk. In addition, as the world encounters the wave of ESG, I researched the SBTi temperature rating and its impact on the Banking Book Portfolio upon implementation. As the Financial Holding Company proposes emission reduction targets, the trading offices must consider ESG factors when selecting investment targets and gradually reduce their position in high-emission industries. This is consistent with the global trend towards sustainability and better fulfills the portfolio's social responsibility, strengthening the Company's stance on responsible investing.

Despite all the obstacles during training, I never ceased to challenge myself, and I saw tangible growth in my professional capabilities and mindset. After going through multiple cycles of being under pressure, adjusting, and adapting, I learned to be resilient and confident in facing a challenge, enabling me to take hardships in stride.

【TA's strength】

Apart from the comprehensive training, the Program also offers extensive resources: software services like Bloomberg and Reuters are readily available, allowing me to monitor global financial market developments up close. During rotation, I also got the rare opportunity to work alongside the best traders and sales in Taiwan, learning from them and receiving guidance from high-level executives. After rotation, you are bound to be a capable, independent professional. Besides, the Program offers the industry the fastest track to career advancement (two promotions in two years). If you are interested and passionate about trading and are willing to take on challenges, join CTBC! Let's go above and beyond together!

Taking on challenges and transforming them into irreplaceable competitive advantage

I am Yu-chi Tzeng, Institutional Banking MA of 2017. I graduated from the NTU Graduate School of Finance and am currently working in the planning section of the Institutional Banking Credit Analysis Division. I started the two-year rotation journey shortly after joining the industry; I spent the first eight months at the front desk, receiving full training on credit analysis, and rotated across middle and back offices every three months. I learned how to analyze business numbers from a manager's perspective, assess the impact of idiosyncratic events on the business, and make annual budgets in the business management department. At the risk offices, through the one-on-one mentorship, I observed senior supervisors close up as they identified credit risks and advised on credit extensions. The operations department is where I quickly grasped the vast structure of the back offices; the product department is where I gained hands-on experience developing innovative products; and the staffer department is where I participated in major institutional banking projects and accumulated analysis and planning capabilities. In particular, I could attend the China Banking Regulatory Commission's Beijing Belt and Road Initiative closed-door meeting on behalf of CTBC - it was such a rare opportunity for me. Every stop along the rotation journey marks the unique growth experience and capabilities gained for each MA.

【Daily routines and Project experience】

Upon completing the MA Program, I was assigned to a sales department as an assistant relationship manager (ARM), dealing with customers at the front line. My responsibilities include understanding customer needs, exploring business opportunities, service delivery, and trading. During this time, I have accumulated extensive KYC and sales capabilities. I have also polished my communication and problem-solving skills. The two-and-a-half years of practical experience have nurtured and prepared me for the journey ahead.

Later, I joined the planning realm, serving in the credit department and participating in major division-wide projects and strategic reports. Notably, while working on the cross-border collaboration optimization projects for credit, I participated in the whole process, from interviews, identifying pain points and their root causes, solution evaluation, and planning to execution. Drawing from the extensive lessons and people network built during the MA rotation, I could focus on critical issues quickly. The fulfilling ARM experience helped me during project execution, and I came up with optimal solutions suitable for customer-facing colleagues. Looking back at my journey, the extensive knowledge I acquired in training and the hands-on experience I gained from the various assignments allow me to keep an open mind when encountering new challenges. With time, the challenges I tackled were transformed into irreplaceable competitive advantages, making me more forward-looking, agile, and innovative. CTBC is always there, helping us grow towards our goals.

【MA's strength】

The extensive learning and network-building during training enabled me to build professional skills and my unique competitive advantages quickly. The training I received has become the driving force as I was assigned to various posts, facing different tasks and challenges. The mentorship offers the opportunity to communicate directly with senior supervisors. Besides advising on my projects and offering resources, the mentors' experience sharing is precious for a newcomer to the trade. The two-year training is so compact that the journey was never easy. However, whatever effort I put in has become a direct investment in myself, fundamentally impacting my career. I encourage us all to fully utilize the experience and skills we accumulate along the way to work smart and achieve a work-life balance.

Seeing More and Seeing Things at a Higher Level

I am Su Kuan-Wei from the Retail Banking MA Program in 2020. Having graduated from the Department of International Business of the National Taiwan University, I currently serve at the Private Wealth Segment Department of the Private Wealth Management Division.

During the MA Program, I rotated between various business units of retail banking: the front office (front desk services), the middle and back offices (business management), strategic planning, products, digital platforms, and overseas retail banking. In addition to the diverse range of businesses I handled in these units, I was also tasked with other assignments such as project research, strategic planning, market dynamics analysis, and customer experience survey. The CTBC MA Program provides solid training and a learning experience of breadth, depth, and vision.

【Daily routines and Project experience】

I was assigned to the Private Wealth Management Division straight out of the Program. My job involves a wide range of duties, such as researching and summarizing the market trends in private banking, analyzing and producing insights of high-net-worth customers, and executing marketing campaigns. My responsibility in the ongoing High-Net-Worth Project is to conduct qualitative and quantitative research to develop an in-depth and comprehensive understanding of the needs of high-net-worth and ultra-high-net-worth customers, create medium- and long-term business and strategic plans, and develop premium services for these customers. Through the two-year MA rotation and training as well as my work experience ever since, I have grown in the following three areas:

First, strategic thinking: Training on department-specific topics and strategic planning does not just help MAs quickly learn to summarize problems and master key problem-solving skills, but also enables us to develop planning, decision-making, financial analysis abilities.

Second, communication skills: As many projects rely on cross-departmental communication and collaboration, MAs develop better coordination skills and presentation skills, which helps us perform better on stage and are thus more likely to be seen.

Third, professionalism: Although rotating between the front, middle and back offices was very busy, it allowed me to have an overview of retail banking. The experience of working in multiple departments also enables MAs to see more and see things from a higher level. We grow with the company, which is the perfect embodiment of “Go Beyond”.

【MA's strength】

MA rotation gives us access to a different set of opportunities inaccessible to others. Going through various tests and rotations, we are on a fast track of capability development and ultimately a fast track to promotion. The company has also invested a lot of resources in MA training. In addition to the job training across various units, we also receive guidance from senior executives on a regular basis, so that we can see things from the perspectives and levels of the management. This is a highly efficient way of helping us become professional managers.

Despite being very busy during the rotation period, I picked up new hobbies in my spare time once I got more familiar with the job. Hiking, diving, and exercising weekly has helped me release stress and sharpen my mind, giving me better quality of life.

Enjoy learning and challenges, and CTBC will be the best stage for you

I am Yun-yu, Technology (IT) MA of 2021. Unlike common assumptions, I graduated from the NCCU Department of Public Finance with no STEM background. During the two-year MA training, I rotated across all functions under the Technology Group, including the Technology Planning Department, Cybersecurity Management Department, Digital Finance Division, and Data Intelligence R&D Division. After completing the MA Program, I served in the Technology Planning Department. The high-pressure, fast-paced rotation enables me to quickly grasp the latest technology development trends and applications of the Bank by completing research assignments and routine projects assigned by business unit supervisors. The research assignments helped me cultivate capabilities of collecting and analyzing internal and external information within a short time and proposing adequate solutions for the Bank. While participating in the routine projects, supervisors encouraged the MAs to be active in discussions, and I learned how to digest information and promptly elaborate on my thought process. Besides extensive professional training, supervisors also generously taught us presentation skills, guiding us to formulate presentation strategies according to the target audience to deliver information more effectively. The two-year rotation offers training on my professional capabilities and soft skills, elevating my technical skillset and strategic planning so that I can grow and find my stage to shine.

【Daily routines and Project experience】

After completing the MA Program, I was assigned to the Technology Planning Department, where my responsibilities involved strategic planning on the Bank's IT resource utilization. I gather and analyze information on leading international banks regarding financial performance, talent retainment, and project execution referring to external KPIs and compare them against CTBC indicators, such as information governance. My work serves as a reference for high-level executives in tracking CTBC performance and bringing discussions into focus. Meanwhile, I also research the latest trends in external technologies to identify potential application opportunities and evaluate and formulate the Bank's long-term IT strategic development.
Reflecting upon the two-year rotation and the practical experience afterward, I advanced in three significant capabilities. First, I gained in strategic thinking. Research assignments, hands-on experience, and courses arranged by HR on subjects from project planning and logical reasoning to financial analysis equip the MAs with the capabilities to identify, clarify, and resolve problems. Second, I can learn more quickly; the fast-paced rotation program ensures that the MAs learn how to comb through and prioritize critical issues within a short time. Thirdly, I cultivated interdisciplinary professional know-how by rotating across multiple departments. I get to familiarize myself with the domain know-how of each business unit and broaden my horizons. Within the highly competitive MA program, I'm constantly challenged to Go Beyond and surpass myself, which is the key to cultivating all professional capabilities.

【MA's strength】

CTBC offers such compact and comprehensive training and helps the MAs accumulate capabilities via job rotation, enhancing the MAs' breadth and depth in professional skills. During rotation, I gained proficient knowledge of each department and built a personal network at CTBC, which is the foundation of my future career development. The MAs also have the opportunity to receive guidance from high-level supervisors, learning to analyze the whole picture. The supervisors' insights from experience are also instrumental in broadening my vision and improving my capabilities. CTBC offers a stage where one can shine and advance quickly. If you enjoy challenges, the CTBC MA Program is your best choice!

Constantly trying to surpass your past self

I am Ting-yu Kuo, Risk Management MA of 2022. I graduated from the NTU Graduate School of Finance, and my current rotation post is in the Market Risk Management Department of the Financial Markets Risk Division. During the MA Program, I rotated across retail banking risk management, retail banking products, institutional banking risk management, Institutional Banking Credit Analysis Division, and market risk management, gaining experience throughout the three central business units' risk management and sales departments. Training during rotation includes case studies, practices and operations, and meeting participation. With compact and professional training, I learned how the sales and risk management departments collaborate and gained a complete understanding of risk-related decision-making for each business unit.

【Daily routines and Project experience】

Reflecting on the past one-and-half years of the MA Program, the project that allowed me to grow and gain the most sense of achievement is the research project on risk management strategies for overseas business. The project explores potential business opportunities from current operations, drawing from the successful experience in Taiwan, integrating overseas business risk management practices, and planning for a local-driven risk management mechanism. This project allows me to build on the foundation of my MA training and be creative in discovering new opportunities overseas for CTBC. The Program is not always smooth sailing; I always encourage myself to remain courageous whenever I encounter challenges or frustrations. Believing I'm heading towards a vantage point where I can see further and broader, I’m constantly trying to surpass my past self!

【MA's strength】

One of the most significant advantages of being an MA is the direct mentorship from high-level supervisors, where we can learn from their mindset and decision-making. By rotating to different business units, the MA can understand the Bank's operations comprehensively and enjoy executive-level managers' birdseye view and insights. In this journey, I trained myself to be more thorough and better understand the Bank's operations. Furthermore, even with a hectic and compact training schedule, I maintain a work-life balance, spending time with family and friends and cultivating my interests because it benefits my efficiency and flexibility at work.

Taking the trend of insurance transformation head on and insisting on challenging the existing boundaries to be the steerer of insurance finance

I am Wei-ting, CTBC MA of 2018, MSc international business management, University of Southampton. I currently serve at the Taiwan Life Operations & Planning Division. During the two-year rotation, I rotated through six business units across the Bank, the Financial Holding Company, and Taiwan Life. The thorough training program cultivated my resilience and professional mindset, allowing me to analyze and resolve problems quickly.

1. At the Bank: starting from meta-analysis and application analysis of data, I learned to identify pain points and their key elements and formulate solutions. I also contributed to developing, verifying, and testing digital tools and UI/UX designs, significantly improving customer experience and processes. In the process, I learned to utilize various methodologies (such as agile and scrum) in executing transformation projects.
2. At the Financial Holding Company: understanding the overall strategic directions at the Group-level before deciding on the strategies and innovations. I served in a quasi-consultant role to implement multiple customer interview projects with subsidiaries to formulate subsidiary plans based on customer needs.
3. At Taiwan Life: Since Taiwan Life is at the stage of upward transformation, I participated in multiple projects introducing new upgrades, such as the introduction of IBM and BCG consultants. Such experience has expanded my vision and professional skills. For example, I gained in-depth professional knowledge in insurance. I started by identifying pain points by analyzing the insurance products, strategic planning, and distribution operations, formulated effective solutions, conducted cost-effect analysis, and executed results. Then, I helped develop sales agent or customer management tools, building upon insurance segment planning and customer experience journey. The intense training in insurance operations allows me to absorb everything like a sponge. I learned how to dissect problems, integrate analysis results, and efficiently communicate among business units. The fast-paced rotation ensured the breadth and depth of my professional skills and adaptability.

【Daily routines and Project experience】

After completing the MA Program, I was assigned to the Operation & Planning Division, where I first participated in deploying digital infrastructure for customer-facing operations. I served as project PM of LINE tool development, in which capacity I learned how to develop multiple complex functions simultaneously. I also learned how to manage tasks effectively, keeping up with determined schedules. Since the projects I was involved in numerous business units and external vendors, I learned the importance of inter-departmental communication and understanding the know-how of each function. I had to visit each business unit to understand their procedures and operational needs and communicate such information with internal IT departments and external vendors to develop an official LINE account that is the hub of all insurance functions and is easy for the customers to use.
Regarding distribution operations, since I currently serve as the project manager for a significant project - expanding the scale of sales agents at the Financial Holding Company, my responsibilities include coordination, communication, and planning the sales channels. Besides clarifying the sales process of agents, conducting multi-faceted analyses, and planning the targets, business model, and schedule of the project, I also need to think ahead, picturing the mid to long-term obstacles to the sales agents and growth, benchmarking market competition, and analyzing the strengths and weaknesses, before determining how to executive the ultimate project. The project manager serves as the "brain" of distribution operations; I need to adapt to changes in agent strategies. I must formulate structures and adjust the directions promptly and rapidly to ensure effective operations accommodating market needs. Furthermore, I find it challenging to communicate the content of the projects and execute them across various companies, divisions, departments, sections, and supervisors.
After the MA Program, I participated in significant transformation projects at Taiwan Life. Fortunately, the skills I acquired in the MA Program, from resilience, problem-solving, and analysis to communication, are all helpful in these projects, and I see tangible results.

【MA's strength】

The MA Program has many career advantages. Among them, two are incredibly unique compared to the journey of other colleagues: Firstly, the personal network and experience built from the rotation across multiple business units will serve as nutrients in my future career, making inter-departmental communication and collaboration much more effortless. Secondly, the MAs can be mentored by high-level supervisors, making them more visible and more likely to be assigned to important projects. In my personal experience, I was given the role of project manager for a major project right after the training period, reporting to executives directly. Learning from officer-level executives and witnessing their decision-making helped elevate my insights and reasoning. Although major assignments come with pressure and challenges, they also bring a stronger sense of achievement. The experience I gained in the process is also immeasurable - this is not available to other colleagues. At work, I am always committed, whereas, in life, I still have my personal time and family life - this is because once you have taken on more responsibilities, you will be more adaptive and able to achieve a work-life balance.