Desmond Choy

Applied AI Research at Manulife.I build and evaluate LLM systems for regulated domains.Projects cover multi-agent systems, self-supervised learning, and behavioral AI.

8 public AI systems and research prototypes across insurance, education, music, computer vision, and behavioral science.

Selected Work

8 projects shown

5 agents, 16 synthetic scenarios, 67 of 79 scenario steps passed LLM review

Led a five-person NUS-ISS team building a reflection and memory companion from five AI agents. It discusses books without spoilers, keeps memories in the reader's own words, and links them to other books and public-web sources.

  • Separated authority: five PydanticAI role agents propose through typed contracts, while application code owns retrieval scope, memory writes, and what the reader sees.
  • Owned Sculptor, the memory-curation agent. A separate review agent must approve its proposals, and it never rewrites the reader's original words.
PythonFastAPIPydanticAIReactTypeScriptOpenAI APISQLiteLogfireRailway

1,651 synthetic journal entries, 204 personas; found 40% of known value drifts at about 90% precision

Led a three-person NUS-ISS capstone proof of concept for an AI journal. It compares what people write each day with the values they confirmed, flags repeated conflicts each week, and shows the entries behind every flag.

  • Built a synthetic corpus of 1,651 journal entries from 204 personas, with LLM labels checked against human annotation by the project team.
  • Trained a neural model that found about a third of value conflicts and did not improve drift detection, so it stayed offline. User-facing decisions went to a weekly LLM reviewer plus a deterministic rule that counts two consecutive conflicts with the same value as drift.
ReactTypeScriptPythonStarlettePydanticOpenAI APIPyTorchPolarsShinyRailway

Buttery Smooth Jamming

4 Codex-backed agents, deterministic routing, live WebSocket orchestration

Built a real-time multi-agent orchestration runtime where four thread-resumed AI musicians improvise together while the server enforces deterministic routing, state continuity, and final pattern composition.

  • Architected a dual-mode Codex and Strudel runtime that powers both assistant interactions and live multi-agent jam sessions.
  • Implemented server-owned orchestration for four isolated Codex-backed agent sessions with deterministic @mention routing and structured composition safeguards.
Next.jsTypeScriptCodexStrudelMCPWebSockets

Learning Odyssey

Validate-then-stream 10-chapter LLM app with persistent state

Built a 10-chapter educational adventure app with validated story generation, persistent sessions, and AI illustrations, routing narrative and supporting tasks across OpenAI and Gemini.

  • Validate-then-stream delivery generates a full chapter, checks structural correctness with retries, and only then streams approved content to the user.
  • Grounded adventures in story YAML and lesson CSV inputs, using OpenAI for narrative and scene text, Gemini Flash Lite for supporting tasks, and Gemini Flash Image for illustrations.
FastAPISupabaseOpenAI APIGemini 2.5 Flash LiteGemini 3.1 Flash ImageRailwayReactWebSockets

Aegis AI Travel Insurance Recommender

13 PDFs, 80 synthetic customers, 85-100% scenario pass rates

Led a four-person NUS-ISS team building an evaluated LLM travel-insurance recommender that turns policy PDFs and synthetic customer transcripts into structured requirements, insurer comparisons, and transcript-aware recommendations.

  • Extracted structured coverage data from 13 travel-insurance policy PDFs using Gemini 2.5 and schema validation.
  • Built a hybrid recommendation pipeline with deterministic requirement scoring and transcript-aware LLM reranking.
PythonGemini 2.5OpenAICrewAIPydanticReactViteNetlify

Large-PDF processing, adaptive notes, BYOK study workspace

NANA is a public BYOK study prototype that transforms dense PDFs into personalized study workspaces, combining adaptive notes, document overviews, and inline AI explanations around real study workflows.

  • Two-phase PDF pipeline with large-file preprocessing and splitting for cost-efficient note generation.
  • Personalized document overviews and study notes adapted to learner background and goals.
PythonFastAPITypeScriptReactViteGemini 3 Flash

CLIP + EmoNet fusion: about 19% lower VEATIC MAE versus scene-only

Led a four-person NUS-ISS team building an end-to-end affective computing pipeline that turns noisy real-world video into music recommendations through dual-pathway ML, variance-weighted fusion, and full-stack delivery.

  • CLIP scene analysis + EmoNet facial cues fused through uncertainty-aware dual-pathway ML
    • Variance-weighted fusion with temporal smoothing improved VEATIC MAE by ~19% vs scene-only baselines
    • Delivered a React + Flask demo with synced playback, emotion visualizations, and DEAM music matching
PyTorchReactFlaskOpenCVCLIP ViT-B/32EmoNetMediaPipe

SSL ViT Models

139 expert images, 631 boxes, seven vision models benchmarked

Led a two-person NUS-ISS attention study testing whether vision models look at the architectural evidence human experts mark as diagnostic.

  • Benchmarked DINOv2, DINOv3, MAE, CLIP, SigLIP, SigLIP2, and ResNet-50 on 139 images with 631 expert boxes.
  • Found DINOv3 strongest as a frozen spatial-prior model; CLIP and MAE improve after adaptation but on different evidence.
PyTorchFastAPIReactSQLiteVision Transformers

About

Finance to Data Science to Applied AI Research

Applied AI researcher and CFA Charterholder building full-stack AI systems, including LLM orchestration, API design, real-time user-facing apps, and evaluation.

Career arc runs from traditional finance (fixed income, portfolio management) through data science to applied AI research, with domain expertise in financial services, insurance, and reinsurance. Currently pursuing a Master of Technology in Artificial Intelligence Systems at the National University of Singapore while working as Senior AI Researcher at Manulife.

Skills

AI & Machine Learning

LLM EvaluationLLM OrchestrationMulti-Agent SystemsHybrid RecommendersStructured AI PipelinesRAGPyTorchSelf-Supervised LearningVision Transformers

Full-Stack Development

FastAPINext.jsReactTypeScriptWebSocketsPostgreSQLSupabaseMCP Servers

Cloud & Platforms

AWSAzureDatabricksDocker

Languages

PythonTypeScriptSQLR

Domain Expertise

Financial ServicesInsurance & ReinsuranceInsurance AIRegulatory CompliancePortfolio Analytics

Experience

Aug 2026–present

Senior AI Researcher / Manulife

Senior individual-contributor role in the AI Center of Excellence, focused on applied AI research and prototyping

Dec 2021–Aug 2026

Data Scientist → Manager, Data Science / Pacific Life Re

Built a multi-agent portfolio-review POC with audit trails and human-approved reusable findings, plus a medical research prototype that informed a build-versus-buy decision; presented ML/AI applications for underwriting and claims in Thailand and Vietnam

2021

Data Scientist / Circles.Life

Built churn, anomaly-detection, and customer-segmentation models across the full ML lifecycle

2017–2020

Data Scientist / Fixed Income Analyst / UOB Asset Management

Built NLP text-mining pipelines and research dashboards for investment idea generation

2015–2017

Fixed Income Analyst / Great Eastern Life

Credit research coverage across investment-grade corporate bonds and loans

2011–2014

Assistant Portfolio Manager / Woori Absolute Partners

Promoted to front-office; firm won 4 regional awards (2012–2014)

Education

2025–2026

Master of Technology in Artificial Intelligence Systems(Expected)

National University of Singapore

CEO's Honour List, AY2025/2026 Semester 1

2014

CFA Charterholder

CFA Institute

2009

BSc Management (First Class Honours)

University of London

Get in Touch

Singapore (UTC+08:00)