Marcus Chen leads editorial verification for swiftutillity.com, responsible for sourcing, cross-checking, and maintaining all financial data used across the tax, mortgage, and payroll calculators. Before joining swiftutillity, Marcus spent eight years as a financial analyst verifying government tax publications and building decision-support tools for personal finance at a North American fintech firm. He specializes in translating complex IRS and CRA regulatory changes into accurate, consumer-facing calculations. Marcus holds a B.S. in Finance from the University of British Columbia and completed the CFA® Program (passed all three levels). He is not a licensed CPA, tax attorney, or financial advisor.