2016年老潘親筆寫的大學畢業四十年的詩。很可惜等不到她的大學畢業五十年的感言了。

I was so saddened to hear of Judy’s passing. When I first joined CFG as a newcomer to the industry, I was deeply grateful for the time she took to patiently answer my questions and offer thoughtful guidance. In those early days, her kindness meant more than she probably knew.

It’s clear she touched the lives of many colleagues in a similar way—quietly, meaningfully, and with a generosity of spirit.

I’ll always remember her serene presence in the office—just the quiet glow of her desk lamp as she focused intently on her work, undistracted and at ease.

Rest in peace, Judy.

孫以靜（高中和班同學）

Meteor in the Dark Sky 
- Anonymous 

A fiery tear, from cosmic eye,
Streaks across the velvet night.
A fleeting glimpse, a silent sigh,
A wonder, burning fast and bright.

Through atmosphere, it starts to glow,
A tiny fragment, on its way.
A brilliant dance, a transient show,
Before it fades into the day.

A wish is made, upon its light,
A moment caught, within the vast.
A symbol, in the dark of night,
Of dreams and hopes, that may not last.

Yet in its passing, beauty seen,
A reminder of the grand design.
The universe, a vibrant sheen,
Where even fleeting moments shine.

To Judy - We will miss traveling around the world, hearing about all the interesting books you read and your company in general. Glad we got to create so many happy memories together while we could, though we also wish we could have created more. We hope you get to finally rest now. 

Goodbye and we will always love you!

Sharon Huang & Kim Hilton

In Loving Memory of Judy

Back when I was trying hard to earn my first full-time job in the U.S., Judy was one of the people who supported me. While the final hiring decision came from the department head, Judy’s encouragement and belief in me meant more than she may have realized. She once said I might be a little too lively for model validation — but she also saw my sincerity and determination, and never held that against me.

Judy wasn’t just a manager. She was a mentor who taught me the importance of honesty in the workplace — to own my mistakes rather than cover them up. She led by example with integrity, moral courage, and calm wisdom. She never hesitated to point out when something wasn’t right, and she guided younger colleagues like me with a rare blend of clarity and compassion.

I still remember the book “The Great Flowing River” Judy recommended — a quiet gesture that reflected her thoughtfulness and love for literature. She once shared with me her dream of visiting Xi’an after retirement, drawn by its deep history and culture. I told her I’d be her tour guide. That brief exchange stayed with me — a reminder of her romantic spirit and genuine curiosity about the world. I truly wish I had the chance.

Judy’s kindness, wisdom, and support left a lasting mark on my life.
She will be deeply missed.

Dear Judy:
距離跟你在舊金山大橋看夕陽、及在聖地牙哥自由行一晃約莫20年就過去了，你爽朗的笑聲與獨立自主的精神一直是沒齒難忘的精神標竿。日子一天天過去，遠方的記憶卻不曾斷線，遽聞你突然來不及說再見就遠行了，既不捨又遺憾，本以為來日方長，竟成為無常比明天先到。你已走遠，身影卻留在我們心中。
親愛的Judy,祝你行程順遂，回到你應許之所，適逢端午節，遙祝您在彼方喜樂圓滿！
家鐘惠芬

我知道的老潘, 赴美後成了基督徒. 她不僅是我高中大學的益友, 也是在 主耶穌裏彼此勉勵的同伴. 在永恆的那一邊陽光普照, 在永恆的這一邊不捨依依.

慈沁.感謝你多年來一直教導我。.你的成就很輝煌的，值得大家尊敬帶著我們的愛，一路好走——洪敏惠

Dear Pann, 就這樣，妳瀟灑轉身，消失人生舞臺，不帶走一片雲。
讀完同事朋友們留下的懷念，我拼湊出一個多方面的你，竟然與想像同，我們從未交往，只有偶遇，高中儀隊時被你失控的練習棒打到，30重聚時你表歉意，開始聊天，後在芬杏家天南地北，以知識科學為本，發亮雙眼，直截了當評時事，聽君一席，勝讀十年，魅力啊! 影響力啊! 為你點讚! -國興

老潘 我是明慧
從6133群組看到妳離世的消息，我當下是無法相信、錯愕無語。沒想去年10月我在Boston 下船時與妳的短暫電話寒暄居然是與妳的最後通話。我們在畢業後才熟悉起來，因為我們的共同好友芬杏、碧姍⋯有一年妳回台探親，我約妳一起吃飯聊天，友誼也茲長延續了⋯⋯上面的照片是我們最近的一次合照-2017年，好久了！之後都是從芬杏獲得妳的生活狀況及趣事，感覺與妳仍是很close。妳的驟逝讓我感慨萬千，不捨妳的離開，但人生就是無常，只能為妳祈福，在天堂不用再忙碌工作，在主的懷抱開心幸福！
明慧 Jessie Ming Huei Lai
5/31/2025

Dear Judy, 

You have heard from enough colleagues, so I’m parking my self in the friends corner. I can just hear you now: “but we were not friends, Christina”, delivered in your usual sardonic style. And I would be wondering whether you meant it or not. Or whether we were really friends. You might laugh upon seeing me full of doubt, but you would not say what I wanted to hear. Cheeky.

But we were friends, Judy. Maybe not with the usual trimmings that define friendship - but on a more spiritual level, I believe we were. People here talk about your wit and diligence, your intelligence and professionalism. I’m not going to talk about those. I’m going to talk about how jaded you were when we first met: with the wisdom of someone who had lived several lifetimes. We always chatted when I went to Boston. They were not always pleasant, some  of our conversations were downright uncomfortable. But looking back, I now realize that you were teaching me a lesson on calming down and finding peace. You did have my number. You saw through my bluster and noise. And I saw your kindness, faith, and sometimes, the sadness. I know it too well.

You told me that your retirement plan was to go back to Taiwan, sit under a tree with book, and simply fade away. Impossible, Judy, because hearts as big as yours leave imprints in this world;  they don’t simply “fade away”.

If you are still protesting that “we were not friends” - well, you did call me before I left Citizens. Or maybe I called you, I’m not sure. We said that one day, you would go to DC to enjoy the museums and I would meet you in Philly and accompany you. That “one day” is now gone. So I propose this: one day, I’ll see you on the other side. And you can tell me that whether we were friends or not

Now rests a noble heart.
Good night, sweet prince(ss)
And may flights of angels sing thee
To thy rest.

You were always a teacher, and you are still teaching me. Thank you.

连夜做了这张图片，纪念亲爱的Judy。
Judy 是我每次去办公室的动力之一。每天踏入办公室的第一件事，便是向她报到，“我来咯！” 这已成为一种习惯，也像是一种仪式。我们无所不谈，话题从工作聊到老一辈与年轻一代的不同，再到办公室里的点点滴滴，甚至是昨天吃了什么美味的饭。Judy 最爱分享她的做饭心得，总是兴致勃勃地说：“我做完了饭，放那么一点点辣椒和香油，哇，好吃啊！” 那种满足与喜悦，仿佛她的世界里，每一餐都是一场盛宴。办公室里摆放着几盆绿植，其中有一盆龟背竹，成了 Judy 的最爱。她搬着它追逐阳光，甚至用它当作屏风，每次感到压力时，就端起水杯为龟背竹浇水，浇得水都溢出来了，嘴里还念叨着：“watering plant is my stress reliever.” 这一幕，令人忍俊不禁，也让人感受到她独特的缓解压力的方式。
有一段时间，她突然瘦了，我开始提醒她注意饮食和休息，建议她去看看医生。她轻松地回答说她知道该如何调整，并开始每次见到我就问：“我有没有胖了一点？” 我总是故作认真地上下打量她几圈，然后笑着说：“嗯，是胖了一点点。” 她就会开心地笑起来，仿佛这便是她努力调整的最好证明。
她还告诉我，她决定每天吃一个蛋，甚至一本正经地强调：“不是我下的蛋，是鸡蛋！” 这种幽默和率真，让人忍不住跟着笑起来。
如今，再次踏进办公室，已无法看到她忙碌的身影，听不到她洪亮而坚定的声音。那种熟悉的存在突然消失，让人悲从中来，仿佛办公室里少了一道最温暖的风景。但是我知道她已经成为了天使。
I made this photo overnight to memorize dear Judy!
I look forward to going to the office. The moment I step in, my first instinct is to check in with Judy—“I’m here!” It’s become a small but meaningful part of my day.
We talk about everything—work, the differences between older and younger generations, office happenings, and even what we had for dinner the night before. Judy loves food “I made my meal, added just a little chili and sesame oil—wow, it was delicious!”.
I keep several large plants in the office, including a monstera, which quickly became Judy’s favorite. She’d move it around, chasing sunlight, using it as her personal screen, and whenever she felt stressed, she went watering it—sometimes to the point of overflowing, she’d mumble, “Watering plants is my stress reliever.”
One day, she started losing weight. I reminded her to take care of herself, to eat well and rest, maybe see a doctor. She assured me she knew how to adjust and, from then on, every time we met, she’d ask, “Do I look like I’ve gained a little weight?” I’d pretend to inspect her carefully, circling around, then say, “Hmm… yes, just a tiny bit.” She’d light up with happiness. She once told me she eats one egg a day, she said “Not my egg—chicken eggs.” Now when I go office, the emptiness hits hard. But I know she is an angel in the heaven now!

老潘，你悄悄地走了，至今仍不能接受你的離去。我倆的生日很近，過去的幾年，我們彼此會聯繫互道祝福，閒話家常，每每聊到開心事，就會聽到電話那頭傳來妳那爽朗的哈哈大笑聲。你心思細膩，做事沉穩，對家人、同學、朋友等都非常關心也熱心幫忙。這些年來你對工作上的盡心盡力及傳承更是令人敬佩！
你雖工作繁忙，但卻很願意聆聽我的嘮叨，也樂於提供許多寶貴意見給我，如畢業三十及四十年經濟系重聚表演、甜點分享的projection、我的插花作品等等你都會與我討論給予建議。2019年12月你來北加看同學，在我家停留數日, 那是我先生最開心的日子，你二人在餐桌喝著茶、興高彩烈地大談歷史、政治的話題，而我在廚房忙著烤那「我很醜但很美味」的巴斯克乳酪蛋糕，我們三人那幽閒開心的畫面依然留在我腦海裡。如今你潚灑地走了，留給我們無盡地思念！你現已安息主懷，世上勞苦不再降臨，願你在神的國度裡永享福氣！

亂世再臨，如同戰國時代，雖然尚未到人命如草芥的程度，但雖不中亦不遠矣⋯⋯

時代尖端的矽谷在今天，依然為了比世界快一步的競爭環境與節奏而時常讓人彷彿感覺到一種… 身不由己且錯愕的感覺 — 或許，未來科技終將終結人性。猶如黃總念茲在茲的pain and suffering.

時光飛逝，沒想到轉眼之間就又再次遇到了無預兆的死別，也逐步預感其實自己也 … 未必離大限有想像般的遙遠⋯⋯

潘博士可以說是我從MBA畢業後初次在業界煉就實用模型的第一位師傅，雖然共事時間僅有半年，但教誨仍猶在耳，其為人處事始終屹立不搖有如落日後的海岸燈塔，指引未來的方向。

作為嚴師，潘博一絲不苟，讓我明白剛正不阿的做人是什麼樣子，是非分明的他從不畏懼，那種不怕強權、不讓鬚眉、勇敢據理力爭的英雄形象，確實是風控的楷模，尤其是在很多領導人都選擇自利的便宜行事風氣之下形成一種強烈對比。

就我所知，他的人生充滿風浪，似乎沒有任何安逸可言。他熱愛歷史（例如資治通鑑以及巴頓將軍的傳奇故事），參與政治討論，高強度工作不斷，夙夜匪懈地努力，投身金融戰場走遍美國東西兩岸，總是喝著最濃的茶，堅持在最冷冽的寒風中抗爭，直至最後。

這樣的硬漢性格 … 卻偶爾也曾在我失意迷茫的時候，用他最不擅長的同理心，分享他也曾有過對信仰/人生意義的懷疑以及那麼多的unknowables，陪伴過/支持過我一起體驗著世界不公，用同輩般的口吻鼓勵我不要放棄。

雖然，口頭上，他從未能回答我人生意義究竟為何，但我想，他已經用自己的人生，活出了自己的答案。

有些人，雖然未必走到非常高的權位，活得境界卻能夠比某些身在高位者更令人敬佩/神往。讓人覺得，有為者亦若是。

人世中的光與鹽，當之無愧。

It is raining today in Taipei. It is like tears, lamenting over our loss on Judy.

I could have never imagined that Judy would leave the world before me. When we were studying in graduate school in Dallas as roommates, I was always the one taking breaks while she was always sitting straight in front of the desk reading. It seemed to me that she never grew tired of reading. Sometimes we were angry at each other because of the different views in dealing with problems, but we always knew that no matter right or wrong, we never doubted that we were best of friends and would always have each other’s backs. To me, Judy was like a Roly-poly, you can push it but it can always return upright. I think that she herself believed so too. That belief always made her did her best and pushed her energy to the limit most of the times. I have no idea if that is the reason why God took her back and intended to give her time to have a good rest. I just wish peace was with her!

As in the past, she always made swift and clear cut decisions. This time she just moved on without even saying goodbye!

It was a shock to me - thinking of her leaving this life all alone without friends/family around , I was heartbroken. However, I took comfort in telling myself that at least she did not suffer from any long-drawn out illness. Perhaps that’s one of the kinder ways to leave this life. 

As a close friend of 50 some years, I feel so lucky to have journeyed alongside her in this life. 

Good bye, Judy.  Have a good rest.
﻿
﻿
>
> 我從沒想過潘潘會先我而去，在Dallas 的時候，我總是念書半小時就躺平休息，她總是筆直的坐在桌前看書，好像她永遠不會疲累ㄧ樣，住在一起的時候，我們有時會因做法不同而彼此不爽，但從來沒有真正惱怒對方，因為我們知道對錯不重要，我們是打不散的好朋友好姐妹！
> 我相信她認為自己是不倒翁，很多事都勉力而為，只是這次她的上帝好像也認為她太辛苦，讓她安息了！

> 一如既往，她就是這樣乾脆，走了，連向大家告別都省了！

初收信息時，想到她孤孤單單的就離去很心疼，但經過一個禮拜後，我安慰自己說她沒有經過長期病痛折磨才告別人生也許是福氣罷！ 工作到最後一天也許也是她的暢快人生的理想選擇！
所以我不為她悲傷了！
作了50多年的好朋友，我感到很幸運曾與她同行！

Pan,
As your classmate of NTU, I feel shocked and sorrowful to know your passaway. Though we didn’t gathered for a long time, you movements have always been informed. I always felt gladly you were able to live in an enjoyable way. When I first knew your leaving , I know you were following God’s decree and wish you having a peaceful rest in the heaven.

M.S.  Wu

In Loving Memory of 
潘慈沁 Judy Pann:

The sudden passing of our cherished high school classmate of 1972 leaves us heartbroken.  

Her life shone with quiet brilliance:  
A scholar of breadth, yet humble in wisdom;  
A leader in banking risk management, yet free from pride.  Devoted to her parents and siblings, loyal in friendship. Her monumental achievements through incredible wisdom, knowledge, endurance and determination. Generous in grace, she helped others without hesitation. Now she rests beyond life’s trials. Her legacy etched in our hearts. May she find eternal peace.  

We all miss you!

Having shared an office with Judy for a couple of years at Union Bank, I recall her work ethic and dedication.  When she comes to the office, she cares nothing else but work.  I am even jealous of her love in her work.

Judy is kind and is always available when you need her.  I recall that Judy and I started a reading group where we read Basel regulations together.  She show her patience in reading with me page by page, paragraph by paragraph, and word by word of documents of hundreds of pages long.  She never get bored on anything.

In my memory, Judy remains a lively human being with great humor and bright smile.  I will forever miss her.

老潘。 这是耀曾，你国術社唯一的女同学😍。 1989 年你来Cleveland 一年，好像不是这庅久以前！ 後来你在Indiana, 我和美津一家也看过你。我两信仰的道路都走得曲曲折折。 但到老年却有相同的看见。 主真奇妙！你的離去雖有老友的不捨，但慶幸你没受苦，将来天家再见！ ❤️

Judy's bright smile and sense of humor 
will always be in our memories. She will 
be greatly missed by all of us.
   Yao Tseng, Meijin, MingHuei, Fenhsing

Though opportunity to work with Judy was limited, every time I interacted withe her, I have found her to be a caring and honest person, both for her colleagues and for the organization.  I will truly miss her.  Rest in peace, Judy.

We are very sorry for the sudden pass, but we are sure you are with the Lord. 
Dear Lao Pann, you will be remembered by all of us!
   On behalf of of
   National Taiwan University 
   6133 Department of Economics

Judy was special. We all tend to say nice things about someone who passes, but you all know that Judy was truly special. I met Judy almost ten years ago as a colleague, but over that time I came to think of her as a friend. She was literally amazing, far and away the hardest working person I've ever met in my life (I told her this so many times) but also so funny (as many of you have mentioned), sliding in a semi-veiled joke amidst some highly technical model-related discussion that would take you a second to register and could catch you off guard...in the best way. Judy was so genuine, so intelligent, so impressive. Judy was an entity. I was always excited to see her when I made my way up to Boston, I just wanted to hear her speak and listen to her. She had so much wisdom and joy to share, and did all the time. Judy my friend, you are so missed, and your absence is accentuated by the strength and enormity of your presence. Please rest now, you've absolutely earned it.

My heartfelt condolences to the family and friends of Judy. I had the pleasure of working with Judy over the years.  Judy was a lovely person with an abundance of wisdom to share.  Always kind and patient, and ready to offer her guidance and knowledge to her colleagues at any moment. Judy will be missed and thought of often.

In sincerest sympathy,
Sandra Nichols

I am so sorry to hear about Judy's sudden passing.  Judy was always such a kind person with a big heart.  She loved her job and was dedicated.  Judy will be greatly missed.  Sending love and support to her friends and family.

Seeing Judy's photos brought back so many memories – her unexpected jokes during out gatherings always made everyone burst into laughter, and her incredible ability to effortlessly quote regulation page numbers like a living encyclopedia. She is deeply missed. I believe Judy’s spirit continues to shine just as warmly in another world.

I’ve worked with Judy for nearly 10 years, having had the pleasure of working with her as a department colleague, then as my manager, and more recently as a peer. No matter what my role has been over the years, she always met me with graciousness, respect, and an endless amount of knowledge. I wouldn’t be where I am today if not for her insightfulness, guidance, and ability to just drop anything to help no matter how much she had on her plate. I will miss seeing her eyes light up when I would travel up to Boston and hand her a container full of fresh baked goods my wife prepared, because we always made sure that lemon was involved. Crazy to think how a seemingly small decision of ‘do I work at Citizens or not’ years ago could have such a massive impact on so many of our lives. She left an indelible mark on all of us that we’ll remember forever.

《赠卫八处士》
杜甫
人生不相见，动如参与商。 今夕复何夕，共此灯烛光。 少壮能几时，鬓发各已苍。 访旧半为鬼，惊呼热中肠。

Judy’s sense of humor was both authentic and uplifting, bringing people together and making joy feel effortless. One moment that perfectly captured her spirit came in 2013, when she jumped into a spontaneous Harlem Shake in the office with her younger coworkers. Not only did she join in, she stole the show, dancing at the center of the crowd in a wig, all in with laughter and energy. It was hilarious, unexpected, and unforgettable — just like Judy.

To know her was to be inspired by her. She led with heart and humor, lifted others with care and insight, and taught by example. We miss her deeply, but will carry her spirit forward in every shared laugh and every kind gesture.

Judy, you are forever remembered for the kindness and wisdom you shared with people around you.

Judy will be dearly missed. She was incredibly wise, endlessly kind, and undeniably smart.

I had the privilege of working with her from 2011 to 2015, and those years remain some of the most meaningful of my career. Judy never hesitated to spend time to explain something to me with patience. She brought her experience, insight, and strong work ethic to everything she did. I will remember those days we shared with great fondness.

Rest in peace, Judy.

In working with Judy for several years, I found that she showed great wisdom and compassion and never missed the chance to have a warm and intelligent conversation. I always learned something each time I spoke with her.  She had incredible patience, empathy and capability to understand all perspectives.  She turned up to the office even during the pandemic lockdown, and it always brightened my day to see her. Her truly unique personality will be sorely missed.

Judy was one of the first people I met when I joined the company. she left a strong impression on me with her professionalism, clarity of thought, and unwavering dedication to her work. Everyone told me she was the best go-to person in the office, and it was easy to see why. Although we didn’t have the chance to work closely, I had quietly hoped to learn from her one day. It’s a great regret that this opportunity never came. Judy was deeply respected and admired by all who knew her. She will be missed forever.

Dear Judy,

You rocked our world by leaving so much behind for us to remember you for. You have proudly achieved so much :  you were remarkably dedicated to the work you did and you nailed it all perfectly, you laughed and you made us laugh along the way, you guided our colleagues who had the honor to work with you  professionally, you shared your life stories and your golden wisdom freely with us, you listened to us and you were well heard that your words remain  loud and clear in our mind. Most of all, you brought us all living humans closer to each other than we were ever before.  You got us thinking about life and death, and start to behave slightly different one way or the other. 

Thank you for crossing path with us on earth. May you rest in peace,  and/or have fun in another world. 

With love!
Yanan

I have had the distinct privilege of working alongside Judy for the past three years. Throughout this time, she has consistently demonstrated exceptional generosity, kindness, and professionalism. Her unwavering willingness to support others—regardless of the demands of her own responsibilities—has been truly inspiring. Judy’s mentorship has played a pivotal role in my professional development. Her boundless enthusiasm, steadfast dedication, and commitment to excellence have left a profound and lasting impression on me. It has been an honor to learn from her and to witness the positive impact she has on everyone around her. She will be missed forever.

OBITUARY

Czi Ching Judy Pann

May 12, 1954 – May 12, 2025

Deware Funeral Home

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