Although it wants you to think its a bee or wasp, it is neither. It's a fly - more precisely a member of the large family known as hoverflies, many of which mimic bees and wasps with their contrasting black and yellow colouration. Compared with bees and wasps they have much shorter antennae. They are harmless and stingless, and in many cases their larvae are very useful in the garden as predators of pests such as aphids. Like all true flies they only have one pair of wings, whereas bees and wasps have two pairs.
I can't identify it from this angle, but maybe someone else can.