About Zoey
I'm Zoey Lu, a Senior UX Designer. I design where money and trust meet — checkout, payments, and digital banking — turning complex financial flows into experiences people can understand and rely on.
For the past five years I've done that at Canadian Tire, one of Canada's largest retailers — first in eCommerce, and since May 2026 on the Bank Concept Team, designing digital banking concepts.
Highlights
Checkout, made calmer.
I redesigned Canadian Tire's checkout payment section, cutting its default state from 556px tall to 208px — the payment step went from a wall of options to a single clear decision — while keeping every payment method, including Triangle financing and buy now, pay later, easy to find.
Buy now, pay later.
I helped design the buy now, pay later experience at checkout — concept and user testing first, then working through Affirm's actual payment rules with their technical team and Legal — now projected to add $10MM in annual incremental revenue.
When something goes wrong with your money.
On the Bank Concept Team, I designed a servicing dispute flow concept grounded in large-scale research across customer reviews, complaint cases, and interviews — for the moment a charge you don't recognize turns into anxiety, and there's no clear path to fix it.
How I work
What draws me to UX is the opportunity to make complex things feel simple. I enjoy understanding different perspectives, connecting user needs with business goals, and turning complicated problems into thoughtful, intuitive experiences. For me, good design is about creating clarity and making things work better for people.
I start with the problem, not the screen. A checkout or a dispute is usually a moment of stress — someone is spending money, or something has gone wrong with their money — so my first job is to make the experience feel clear, safe, and in control. I work closely with product, engineering, risk, compliance, and legal to land experiences that survive real-world constraints, and I design with WCAG accessibility standards in mind.
FAST FACTS
Experience
7+ years in UX / Product Design
Industries
eCommerce, Payments, and Digital Banking
Languages
English — Fluent
Mandarin Chinese — Native
Cantonese — Native
Mentoring
UX Portfolio Coaching
Experience includes Canadian Tire, Commerce Garage, and Bay Street Group.
Outside work
Outside of work, I'm a mom to two young daughters. Life with them keeps me busy, grounded, and constantly learning.
I also enjoy making bread at home and experimenting with different recipes. I find the process of trying new ingredients, adjusting techniques, and learning through trial and error surprisingly rewarding.