Rutao Luo

We deliver end-to-end vertical AI solutions for highly regulated industries, including foundation models, agentic AI systems, and enterprise-grade AI governance.

• Structured data agent: Designed and implemented an LLM-driven agent that transforms natural-language questions into validated, governed structured-data operations (e.g., SQL), producing reliable, non-hallucinatory answers grounded in enterprise datasets.
• Unstructured data agent: Built a hybrid LLM + Knowledge Graph reasoning system that retrieves, interprets, and reasons over free-form documents and unstructured content using semantic search, embeddings, and contextual understanding.

Steered the strategic roadmap for the data science team, devising innovative AI solutions to enhance Vanguard's business operations across marketing, fraud detection, client experience, and governance.

• Team Leadership: Championed continuous learning, leading LLM training sessions that elevated team technical prowess; mentored data scientists and ML engineers through complex project lifecycles.
• Revenue Generation: Implemented AI-driven strategies generating millions in revenue and achieving a major financial milestone every year.
• Enhanced Personalization: Led hyper-personalization systems serving millions of personal investors using Multi-Armed Bandit (MAB) and reinforcement learning; developed recommender systems improving conversion rates and reducing attrition.
• GenAI Application Leadership: Spearheaded pilot of GenAI applications using LLM, RAG, and RLHF — including Crew Assistance, Voice Bot, and Call Summarization.
• 130% PAS Growth: Drove a 130% increase in Personal Advice Service leads through a real-time ML solution.
• Risk Mitigation: Employed LLM technologies and audio signal processing for proactive fraud detection and cognitive decline assessment.
• Blockchain Data Security: Standardized and secured CRSP market index data using blockchain technology to ensure data integrity and auditability.
• Marketing & Sales: Built multiple propensity models to amplify conversion rates in advice, ETFs, and other Vanguard products.
• Client Experience Index (CXI): Innovated the CXI to measure client experiences across all retail divisions using operational data and call transcripts.
• Governance Leadership: Led development of a comprehensive model governance guide and GenAI governance framework ensuring responsible, scalable, and compliant AI deployment.

Spearheaded development of ML and AI models to enable data-driven decision-making for retail investor group marketing.

• Designed ML models for RIG (Retail Investor Group) marketing initiatives, contributing to targeted and effective campaigns.
• Pioneered research in optimization, deep learning, and reinforcement learning to enhance business processes.
• Improved customer experience by providing precise forecasts of queue-level phone call demand and recommending optimal staffing strategies.
• Led Vanguard's analytics team transition from traditional platforms to a cutting-edge big data and unified cloud analytics platform.

Led advanced modeling and data analysis for Comcast's next-generation network optimization budget.

• Spearheaded advanced modeling crucial to network forecasting and Comcast's budget plan for next-generation network optimization.
• Designed and implemented budget models tailored for Next-Generation Network Architecture.
• Leveraged machine learning and Big Data technologies to elevate customer experience and service quality.
• Mentored and trained junior engineers in algorithm design and coding, fostering professional development.

Led design and development of GE's Trip Optimizer — an Ecomagination product that autonomously manages locomotive throttle and brake systems to optimize train schedules and minimize fuel consumption.

• Applied mathematical modeling and optimization techniques to generate optimal trip plans, improving operational efficiency.
• Designed and implemented real-time control algorithms for embedded systems in locomotives.
• Contributed to significant fuel cost savings through autonomous throttle and brake optimization.

Conducted research in nonlinear control theory with focus on mathematical biology and medicine, particularly HIV treatment optimization.

• Developed mathematical models for disease systems using nonlinear control techniques to identify innovative therapeutic strategies.
• Investigated HAART (Highly Active Antiretroviral Therapy) extension approaches to prevent drug-resistant HIV strains.
• Published as first author in five world-class journals and five refereed conference papers; garnered ~300 citations.
• Research featured in Science Daily and NPR (National Public Radio).
• Utilized MATLAB, C++, R, SAS, and SPSS for research.