sandy zhao

About

Researcher by craft. Builder by instinct.

I've always been somewhere between understanding and making.

I studied psychology, neuroscience, and computer science. Together, they taught me to look at problems from very different angles: how people behave, how they think, and how the technology around them works.

That combination still shapes how I approach research today. I can move between understanding human behavior and understanding the systems being built around it. I'm deeply curious about people, but I also have an instinct to make things, understand how they work, and push beyond "what did we learn?" toward "what should we build because of it?"

Product research became a natural home for both sides of me.

At Visa, I've worked across deeply human questions, like supporting women navigating financial independence after divorce or loss, as well as complex product problems spanning AI, developer tools, and fraud. I've learned that I'm happiest when research doesn't end with an insight. I want to be in the room when it becomes a decision, a prototype, a product direction, or sometimes an entirely different way of framing the problem.

That same mindset draws me toward emerging technology and the messy, early questions that come with it. I like working on problems where the answer isn't simply how to improve an existing experience, but what the product should become in the first place.

And I still build. Outside of work, that curiosity has led me to create VR and AR experiences, tinker with robotics, and experiment with turning traditional Chinese medicine into a modern wellness product. Making things keeps me close to the constraints, tradeoffs, and decisions that come with turning an idea into something real.

Lately, I'm especially curious about the intersection of AI and human behavior. AI isn't only changing what we're able to build. It's also changing how people work, make decisions, and interact with technology. I think research has an important role to play in understanding those shifts and using them to make better decisions about what we build next.

When I'm not thinking about any of this, you'll probably find me on a tennis court, skiing somewhere with better mountains than New York, wandering through an art museum, or planning my next trip.

Sandy Zhao holding a woven tote bag that reads 'WE LOVE OUR CUSTOMERS'

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