Jin Cai, Ph.D. is a chartered financial analyst who serves as an Assistant Professor of Finance in Welch College of Business & Technology at Sacred Heart University. He has over ten years of industry experience in equity research and financial services in several multinational companies in the Unitet States and China. Dr. Cai's research has explored a variety of factors that influence systemic risk, such as stock liquidity, banks' herding behavior, and supervisory interventions.