Meet the authors

Meet the authors


Analytics & Optimization

Benjamin Baer

doug_clare

Doug Clare

Benjamin Baer is a senior director of product marketing. Benjamin has more than 20 years of technology B2B experience across a diverse range of hardware, software and cloud computing. Through marketing leadership positions at Silicon Graphics / SGI, Sun Microsystems, VMware, Citrix Systems and Juniper Networks, Benjamin has worked with technologies across the diverse IT ecosystems that make up almost every enterprise datacenter including servers, desktops, networking, virtualization, and cloud computing solutions. Benjamin also brings an agile and guerrilla marketing attitude gleaned from working and consulting with numerous technology startups over the years. With a focus on creating ease-of-use and frictionless route to market by leveraging cloud computing, Benjamin is focused on how to dramatically improve decision management and Big Data analytics adoption.

Doug Clare is vice president of product management, leading the FICO® Analytic Cloud initiative and FICO’s cyber security initiative. He has been with FICO for more than 25 years, and has deep expertise in helping banks and other businesses manage fraud, risk and the customer experience. In previous roles, he led product management for FICO’s fraud prevention/detection software applications; managed FICO’s global relationships with payment card processors and other channel delivery partners; and served as the retail and client partner/development team leader for key accounts. Doug has a bachelor’s degree in international relations from the University of Minnesota, Twin Cities.

Dr. Gerald Fahner

Benjamin Baer is a senior director of product marketing. Benjamin has more than 20 years of technology B2B experience across a diverse range of hardware, software and cloud computing. Through marketing leadership positions at Silicon Graphics / SGI, Sun Microsystems, VMware, Citrix Systems and Juniper Networks, Benjamin has worked with technologies across the diverse IT ecosystems that make up almost every enterprise datacenter including servers, desktops, networking, virtualization, and cloud computing solutions. Benjamin also brings an agile and guerrilla marketing attitude gleaned from working and consulting with numerous technology startups over the years. With a focus on creating ease-of-use and frictionless route to market by leveraging cloud computing, Benjamin is focused on how to dramatically improve decision management and Big Data analytics adoption.

Doug Clare is vice president of product management, leading the FICO® Analytic Cloud initiative and FICO’s cyber security initiative. He has been with FICO for more than 25 years, and has deep expertise in helping banks and other businesses manage fraud, risk and the customer experience. In previous roles, he led product management for FICO’s fraud prevention/detection software applications; managed FICO’s global relationships with payment card processors and other channel delivery partners; and served as the retail and client partner/development team leader for key accounts. Doug has a bachelor’s degree in international relations from the University of Minnesota, Twin Cities.

Dr. Gerald Fahner is a senior director in FICO’s Research division, where he leads the Predictive Technologies Group. His team researches innovative methodologies and algorithms with broad applicability across industries, spanning from experimental design, to predictive and causal modeling, and large-scale decision management applications. Gerald is also responsible for the core predictive algorithms underlying FICO’s Scorecard technology. Prior to joining FICO in 1996, he served as a machine learning and robotics researcher at the International Computer Science Institute in Berkeley, Calif. Gerald received his Physics degree from University of Karlsruhe and earned his Computer Science doctorate from University of Bonn, both in Germany.

Dr. Gerald Fahner is a senior director in FICO’s Research division, where he leads the Predictive Technologies Group. His team researches innovative methodologies and algorithms with broad applicability across industries, spanning from experimental design, to predictive and causal modeling, and large-scale decision management applications. Gerald is also responsible for the core predictive algorithms underlying FICO’s Scorecard technology. Prior to joining FICO in 1996, he served as a machine learning and robotics researcher at the International Computer Science Institute in Berkeley, Calif. Gerald received his Physics degree from University of Karlsruhe and earned his Computer Science doctorate from University of Bonn, both in Germany.

Dr. Alan Fish

Andrew Flint

Dr. Alan Fish is principal consultant in Decision Solutions with FICO, working in Europe, Middle East and Africa. He performs the roles of Business Analyst and Rules Analyst on significant projects, especially using Blaze Advisor: consulting with the client to help redesign business processes for efficient use of decision services, then modeling the decision-making to be carried out by those services, and managing the rules discovery and development process. He is accustomed to consulting at a high level (board members and senior SMEs) and bearing responsibility for functional requirements delivery on large and complex projects.
Alan is an authority in the techniques and practice of decision modeling. His innovations in this field include new methodologies for decision service analysis, design and development, in particular the technique of “Decision Requirements Analysis” (DRA), which is now part of FICO’s standard methodology. This work won him FICO Technology awards in 2008 and 2009. He is the author of “Knowledge Automation: How to implement decision management in business processes”, published by Wiley in 2012, and a co-author of the specification for the standard DMN (Decision Model and Notation), published by OMG in 2013.
He holds a BSc in Psychology and a PhD in Neural Networks, both from the University of Manchester.

Andrew Flint is senior director of product management at FICO. He leads product management for FICO’s analytic software tools, including predictive modeling, data mining, machine learning, and predictive model management. He is a frequent speaker at conferences and events focused on helping organizations use predictive analytics and algorithmic innovations to make better business decisions.
Andrew has a master’s degree in Mathematical Finance from New York University, and a bachelor’s degree in Mathematics from Harvey Mudd College. He is an avid golfer and craft beer enthusiast.

Dr. Qi Huangfu

Dr. Alan Fish is principal consultant in Decision Solutions with FICO, working in Europe, Middle East and Africa. He performs the roles of Business Analyst and Rules Analyst on significant projects, especially using Blaze Advisor: consulting with the client to help redesign business processes for efficient use of decision services, then modeling the decision-making to be carried out by those services, and managing the rules discovery and development process. He is accustomed to consulting at a high level (board members and senior SMEs) and bearing responsibility for functional requirements delivery on large and complex projects.
Alan is an authority in the techniques and practice of decision modeling. His innovations in this field include new methodologies for decision service analysis, design and development, in particular the technique of “Decision Requirements Analysis” (DRA), which is now part of FICO’s standard methodology. This work won him FICO Technology awards in 2008 and 2009. He is the author of “Knowledge Automation: How to implement decision management in business processes”, published by Wiley in 2012, and a co-author of the specification for the standard DMN (Decision Model and Notation), published by OMG in 2013.
He holds a BSc in Psychology and a PhD in Neural Networks, both from the University of Manchester.

Andrew Flint is senior director of product management at FICO. He leads product management for FICO’s analytic software tools, including predictive modeling, data mining, machine learning, and predictive model management. He is a frequent speaker at conferences and events focused on helping organizations use predictive analytics and algorithmic innovations to make better business decisions.
Andrew has a master’s degree in Mathematical Finance from New York University, and a bachelor’s degree in Mathematics from Harvey Mudd College. He is an avid golfer and craft beer enthusiast.

Dr. Qi Huangfu is the “simplex guy” behind the FICO Xpress Optimization Suite. Before joining FICO, he obtained a BSc in Computer Science from Beihang University in Beijing. He then earned an MSc in High Performance Computing and PhD in Mathematics from the University of Edinburgh. His PhD research topic was the parallel dual simplex method.

Dr. Qi Huangfu is the “simplex guy” behind the FICO Xpress Optimization Suite. Before joining FICO, he obtained a BSc in Computer Science from Beihang University in Beijing. He then earned an MSc in High Performance Computing and PhD in Mathematics from the University of Edinburgh. His PhD research topic was the parallel dual simplex method.

Dr. Andrew Jennings

Todd Rollin

Andrew Jennings is an economist and senior vice president at FICO. In his current role, he works on the analytic strategy and development of the company’s key offering in credit reporting, the FICO® Score. He has held a number of executive positions at FICO since joining the company in 1994, including stints as director of FICO’s European operations and chief analytics officer. Before joining FICO, Andrew served as head of unsecured credit risk for Abbey National where he introduced account behavior scoring and mortgage scoring. He also served as a lecturer in economics and econometrics at the University of Nottingham.

Todd Rollin serves as the lead marketer for FICO’s Global Optimization Practice. He focuses on the FICO® Xpress Optimization Suite, FICO® Optimization Modeler and FICO® Decision Optimizer products, as well as applied solutions for deposits, mortgages, collections and other business functions. He has more than 20 years of experience in marketing to the technology industry. Previously he held marketing and business development positions at Deloitte, SAP, SPL WorldGroup and Autodesk.
Todd has a bachelor’s degree in English, math and economics from University of California – Santa Barbara. He lives in Marin County and serves as a volunteer for the Jefferson Awards Student in Action program.

Shalini Raghavan

Andrew Jennings is an economist and senior vice president at FICO. In his current role, he works on the analytic strategy and development of the company’s key offering in credit reporting, the FICO® Score. He has held a number of executive positions at FICO since joining the company in 1994, including stints as director of FICO’s European operations and chief analytics officer. Before joining FICO, Andrew served as head of unsecured credit risk for Abbey National where he introduced account behavior scoring and mortgage scoring. He also served as a lecturer in economics and econometrics at the University of Nottingham.

Todd Rollin serves as the lead marketer for FICO’s Global Optimization Practice. He focuses on the FICO® Xpress Optimization Suite, FICO® Optimization Modeler and FICO® Decision Optimizer products, as well as applied solutions for deposits, mortgages, collections and other business functions. He has more than 20 years of experience in marketing to the technology industry. Previously he held marketing and business development positions at Deloitte, SAP, SPL WorldGroup and Autodesk.
Todd has a bachelor’s degree in English, math and economics from University of California – Santa Barbara. He lives in Marin County and serves as a volunteer for the Jefferson Awards Student in Action program.

Shalini Raghavan is director of analytic product management for the FICO’s marketing applications. In her current role, she is responsible for bringing innovative analytics into products that enable decisions at scale. Prior to joining FICO, she was the global business analytics and intelligence manager at Ecolab. There she established an internal analytics practice to serve the company’s “Circle the Customer, Circle the Globe” strategy in multiple verticals. Previously, Shalini spent over 10 years in managerial and computational positions at 3M Company, Centers for Computational Biology and Unilever, developing mathematical and statistical models in diverse areas such as process control and healthcare. Shalini has an undergraduate degree from Osmania University, Hyderabad and graduate degrees from Jawaharlal Nehru University, New Delhi.

Shalini Raghavan is director of analytic product management for the FICO’s marketing applications. In her current role, she is responsible for bringing innovative analytics into products that enable decisions at scale. Prior to joining FICO, she was the global business analytics and intelligence manager at Ecolab. There she established an internal analytics practice to serve the company’s “Circle the Customer, Circle the Globe” strategy in multiple verticals. Previously, Shalini spent over 10 years in managerial and computational positions at 3M Company, Centers for Computational Biology and Unilever, developing mathematical and statistical models in diverse areas such as process control and healthcare. Shalini has an undergraduate degree from Osmania University, Hyderabad and graduate degrees from Jawaharlal Nehru University, New Delhi.

Horia Tipi

Dr. Stuart Wells

Horia Tipi is the global practice leader for optimization. Horia has more than 15 years of experience designing and delivering FICO optimization solutions and technologies, in particular user-centric applications such as integrated development environments, advanced optimization prototyping tools and business analyst applications. Horia has delivered complex optimization solutions in marketing, finance, energy, portfolio management, logistics and transportation, workforce scheduling, retail, banking, and telecom. Horia is relentlessly focused on making the power of optimization technology available and accessible to business audiences.

Stuart Wells is a software industry veteran with a proven ability to catalyze and commercialize innovative technologies. Prior to his appointment as chief product and technology officer, he spent two years at FICO consulting on a range of projects, including leading cross-functional planning for the launch of enterprise solutions in the areas of fraud management, debt management and originations. Prior experience included senior leadership roles with Sun Microsystems, Avaya and other top technology businesses. Dr. Wells holds bachelor’s, master’s and doctorate degrees in electrical and electronic engineering from Heriot-Watt University in Edinburgh, Scotland, an MBA from Santa Clara University, and a certificate from the Stanford Executive Program.

scott_zoldi

Dr. Scott Zoldi

Horia Tipi is the global practice leader for optimization. Horia has more than 15 years of experience designing and delivering FICO optimization solutions and technologies, in particular user-centric applications such as integrated development environments, advanced optimization prototyping tools and business analyst applications. Horia has delivered complex optimization solutions in marketing, finance, energy, portfolio management, logistics and transportation, workforce scheduling, retail, banking, and telecom. Horia is relentlessly focused on making the power of optimization technology available and accessible to business audiences.

Stuart Wells is a software industry veteran with a proven ability to catalyze and commercialize innovative technologies. Prior to his appointment as chief product and technology officer, he spent two years at FICO consulting on a range of projects, including leading cross-functional planning for the launch of enterprise solutions in the areas of fraud management, debt management and originations. Prior experience included senior leadership roles with Sun Microsystems, Avaya and other top technology businesses. Dr. Wells holds bachelor’s, master’s and doctorate degrees in electrical and electronic engineering from Heriot-Watt University in Edinburgh, Scotland, an MBA from Santa Clara University, and a certificate from the Stanford Executive Program.

Scott Zoldi is chief analytics officer at FICO responsible for the analytic development of FICO’s product and technology solutions. While at FICO, Scott has been responsible for authoring 63 analytic patents with 35 patents granted and 28 in process. Scott is actively involved in the development of new analytic products and Big Data analytics applications, many of which leverage new streaming analytic innovations such as adaptive analytics, collaborative profiling and self-calibrating analytics. Scott is most recently focused on the applications of streaming self-learning analytics for real-time detection of cyber security attacks. Scott serves on two boards of directors, Software San Diego and Cyber Center of Excellence. Scott received his Ph.D. in theoretical and computational physics from Duke University.

Scott Zoldi is chief analytics officer at FICO responsible for the analytic development of FICO’s product and technology solutions. While at FICO, Scott has been responsible for authoring 63 analytic patents with 35 patents granted and 28 in process. Scott is actively involved in the development of new analytic products and Big Data analytics applications, many of which leverage new streaming analytic innovations such as adaptive analytics, collaborative profiling and self-calibrating analytics. Scott is most recently focused on the applications of streaming self-learning analytics for real-time detection of cyber security attacks. Scott serves on two boards of directors, Software San Diego and Cyber Center of Excellence. Scott received his Ph.D. in theoretical and computational physics from Duke University.





Collections & Recovery

Martin Germanis

Martin Germanis

Carol Byrne

Martin Germanis is a vice president for collections and recovery solutions sales at FICO. He joined the company in 2012 as CEO of CR Software, a top provider of collections and recovery software, where he had worked since 1987. Germanis has also served as CEO of Marlin Holdings, one of the larger debt buyers in the world, and has managed debt collection agencies. He has a Master’s degree from George Mason University in Fairfax, Virginia.

Carol Byrne is senior director of product marketing, focusing on marketing strategies and content messaging for debt management solutions across financial services, government, third-party agencies, healthcare, telecom, utilities and retail industries. Prior to joining FICO in 2012 as part of the CR Software acquisition, Carol worked at McGraw-Hill and News Corp., leading marketing initiatives in information services in the aviation, aerospace and technology industries.

Dave Lightfoot

Martin Germanis is a vice president for collections and recovery solutions sales at FICO. He joined the company in 2012 as CEO of CR Software, a top provider of collections and recovery software, where he had worked since 1987. Germanis has also served as CEO of Marlin Holdings, one of the larger debt buyers in the world, and has managed debt collection agencies. He has a Master’s degree from George Mason University in Fairfax, Virginia.

Carol Byrne is senior director of product marketing, focusing on marketing strategies and content messaging for debt management solutions across financial services, government, third-party agencies, healthcare, telecom, utilities and retail industries. Prior to joining FICO in 2012 as part of the CR Software acquisition, Carol worked at McGraw-Hill and News Corp., leading marketing initiatives in information services in the aviation, aerospace and technology industries.

David Lightfoot is vice president of product management and heads up FICO’s customer lifecycle management area, which includes solutions for originations, customer management, and collections and recovery. Since joining FICO in 1994, he has led more than 30 large FICO solution implementations, ran Professional Services for the EMEA region and was a lead member of the team that created the customer-level management version of FICO® TRIAD® Customer Manager. David has more than 25 years of experience in the financial services and retail industries, encompassing development, implementation and use of automated decision making tools. Prior to FICO, he spent 10 years with the financial services arm of UK retailer Marks and Spencer.

David Lightfoot is vice president of product management and heads up FICO’s customer lifecycle management area, which includes solutions for originations, customer management, and collections and recovery. Since joining FICO in 1994, he has led more than 30 large FICO solution implementations, ran Professional Services for the EMEA region and was a lead member of the team that created the customer-level management version of FICO® TRIAD® Customer Manager. David has more than 25 years of experience in the financial services and retail industries, encompassing development, implementation and use of automated decision making tools. Prior to FICO, he spent 10 years with the financial services arm of UK retailer Marks and Spencer.

Bruce Curry

Bruce Curry is a senior principal consultant at FICO, helping clients across Europe, the Middle East and Africa improve performance in collections and recovery. Bruce has worked directly with dozens of businesses in 27 countries across EMEA and APAC. Before joining FICO, Bruce held successive senior operational management positions over 16 years with Barclays vehicle asset finance (Dial Contracts), Marks and Spencer Financial Services and Royal Bank of Scotland Cards. Prior to his commercial career Bruce undertook a successful career in the Armed Forces where he worked across the world in many varied roles.

Bruce Curry is a senior principal consultant at FICO, helping clients across Europe, the Middle East and Africa improve performance in collections and recovery. Bruce has worked directly with dozens of businesses in 27 countries across EMEA and APAC. Before joining FICO, Bruce held successive senior operational management positions over 16 years with Barclays vehicle asset finance (Dial Contracts), Marks and Spencer Financial Services and Royal Bank of Scotland Cards. Prior to his commercial career Bruce undertook a successful career in the Armed Forces where he worked across the world in many varied roles.

Customer Engagement

Shalini Raghavan

Tim Young

Shalini Raghavan is director of analytic product management for the FICO’s marketing applications. In her current role, she is responsible for bringing innovative analytics into products that enable decisions at scale. Prior to joining FICO, she was the global business analytics and intelligence manager at Ecolab. There she established an internal analytics practice to serve the company’s “Circle the Customer, Circle the Globe” strategy in multiple verticals. Previously, Shalini spent over 10 years in managerial and computational positions at 3M Company, Centers for Computational Biology and Unilever, developing mathematical and statistical models in diverse areas such as process control and healthcare. Shalini has an undergraduate degree from Osmania University, Hyderabad and graduate degrees from Jawaharlal Nehru University, New Delhi.

Tim Young is a principal consultant at FICO. Tim has over 15 years’ experience spanning banking, finance, retail and marketing analytics. Since joining FICO in early 2011, Tim has focused helping retail and marketing clients achieve their customer goals. He has the ability to quickly assess and understand a client’s business model and key challenges, and connect them back to the solutions that can best deliver against their needs. Tim holds a BA in Finance from Bethel University and an MBA in Finance from Indiana Wesleyan University.

Kate Winterflood

Shalini Raghavan is director of analytic product management for the FICO’s marketing applications. In her current role, she is responsible for bringing innovative analytics into products that enable decisions at scale. Prior to joining FICO, she was the global business analytics and intelligence manager at Ecolab. There she established an internal analytics practice to serve the company’s “Circle the Customer, Circle the Globe” strategy in multiple verticals. Previously, Shalini spent over 10 years in managerial and computational positions at 3M Company, Centers for Computational Biology and Unilever, developing mathematical and statistical models in diverse areas such as process control and healthcare. Shalini has an undergraduate degree from Osmania University, Hyderabad and graduate degrees from Jawaharlal Nehru University, New Delhi.

Tim Young is a principal consultant at FICO. Tim has over 15 years’ experience spanning banking, finance, retail and marketing analytics. Since joining FICO in early 2011, Tim has focused helping retail and marketing clients achieve their customer goals. He has the ability to quickly assess and understand a client’s business model and key challenges, and connect them back to the solutions that can best deliver against their needs. Tim holds a BA in Finance from Bethel University and an MBA in Finance from Indiana Wesleyan University.

Kate Winterflood is a senior product manager at FICO, responsible for the Customer Communication Services products. Kate started her financial service career at The Royal Bank of Scotland in 2001; where she completed the Graduate Development Programme before going on to hold various roles in ecommerce and payment services. In 2010, when RBS sold a majority stake in its payment business WorldPay, Kate moved with the business and was responsible for product development for their largest global clients. She moved to FICO in 2012, at the point the company acquired Adeptra and has since focused on diversifying the product portfolio to ensure FICO has the latest and most innovative customer engagement tools for optimising customer service available for their clients.

Kate Winterflood is a senior product manager at FICO, responsible for the Customer Communication Services products. Kate started her financial service career at The Royal Bank of Scotland in 2001; where she completed the Graduate Development Programme before going on to hold various roles in ecommerce and payment services. In 2010, when RBS sold a majority stake in its payment business WorldPay, Kate moved with the business and was responsible for product development for their largest global clients. She moved to FICO in 2012, at the point the company acquired Adeptra and has since focused on diversifying the product portfolio to ensure FICO has the latest and most innovative customer engagement tools for optimising customer service available for their clients.

Dave Lightfoot

David Lightfoot is vice president of product management and heads up FICO’s customer lifecycle management area, which includes solutions for originations, customer management, and collections and recovery. Since joining FICO in 1994, he has led more than 30 large FICO solution implementations, ran Professional Services for the EMEA region and was a lead member of the team that created the customer-level management version of FICO® TRIAD® Customer Manager. David has more than 25 years of experience in the financial services and retail industries, encompassing development, implementation and use of automated decision making tools. Prior to FICO, he spent 10 years with the financial services arm of UK retailer Marks and Spencer.

David Lightfoot is vice president of product management and heads up FICO’s customer lifecycle management area, which includes solutions for originations, customer management, and collections and recovery. Since joining FICO in 1994, he has led more than 30 large FICO solution implementations, ran Professional Services for the EMEA region and was a lead member of the team that created the customer-level management version of FICO® TRIAD® Customer Manager. David has more than 25 years of experience in the financial services and retail industries, encompassing development, implementation and use of automated decision making tools. Prior to FICO, he spent 10 years with the financial services arm of UK retailer Marks and Spencer.

Fraud & Security

vickie_miller

Vickie Miller

doug_clare

Doug Clare

Vickie Miller is FICO’s chief information security officer. As head of FICO’s information security department, she is responsible for guiding the team through evolving technology, a changing threat landscape and increasing regulatory pressures. Before working at FICO, Vickie worked for an internet start-up and as a product manager for broadband internet services at Alltel. She has a background in journalism and worked at various Midwest broadcast outlets.

Doug Clare is vice president of product management, leading the FICO® Analytic Cloud initiative and FICO’s cyber security initiative. He has been with FICO for more than 25 years, and has deep expertise in helping banks and other businesses manage fraud, risk and the customer experience. In previous roles, he led product management for FICO’s fraud prevention/detection software applications; managed FICO’s global relationships with payment card processors and other channel delivery partners; and served as the retail and client partner/development team leader for key accounts. Doug has a bachelor’s degree in international relations from the University of Minnesota, Twin Cities.

tj_horan

TJ Horan

Vickie Miller is FICO’s chief information security officer. As head of FICO’s information security department, she is responsible for guiding the team through evolving technology, a changing threat landscape and increasing regulatory pressures. Before working at FICO, Vickie worked for an internet start-up and as a product manager for broadband internet services at Alltel. She has a background in journalism and worked at various Midwest broadcast outlets.

Doug Clare is vice president of product management, leading the FICO® Analytic Cloud initiative and FICO’s cyber security initiative. He has been with FICO for more than 25 years, and has deep expertise in helping banks and other businesses manage fraud, risk and the customer experience. In previous roles, he led product management for FICO’s fraud prevention/detection software applications; managed FICO’s global relationships with payment card processors and other channel delivery partners; and served as the retail and client partner/development team leader for key accounts. Doug has a bachelor’s degree in international relations from the University of Minnesota, Twin Cities.

TJ Horan is vice president of Product Management, leading the fraud solutions business unit. He is responsible for developing the strategic direction for FICO’s fraud products, and is also a key strategic leader in the area of transaction decisioning and analytics. TJ began his career with DuPont, where he helped design and maintain Expert Systems for process control. Since then, TJ has held a variety of technical and management roles in the fields of analytics, fraud and risk management, and decision management at industry leading companies such as HNC Software and SAS. TJ holds a B.S. in computer science and a M.S. in statistics, both from the University of South Carolina.

TJ Horan is vice president of Product Management, leading the fraud solutions business unit. He is responsible for developing the strategic direction for FICO’s fraud products, and is also a key strategic leader in the area of transaction decisioning and analytics. TJ began his career with DuPont, where he helped design and maintain Expert Systems for process control. Since then, TJ has held a variety of technical and management roles in the fields of analytics, fraud and risk management, and decision management at industry leading companies such as HNC Software and SAS. TJ holds a B.S. in computer science and a M.S. in statistics, both from the University of South Carolina.

brian_kinch

Brian Kinch

scott_zoldi

Dr. Scott Zoldi

Brian Kinch is a senior partner in Fair Isaac Advisors, FICO’s consultancy practice. A seasoned fraud manager in the European banking industry, Brian was most recently head of customer account fraud at Lloyds Banking Group, where he initially designed and implemented the bank’s fraud management target operating model. Previously, he worked at Visa Europe’s risk management group with specific responsibilities for driving reductions in both issuing and acquiring fraud across the region. He also spent 15 years at HSBC Card Services.

Scott Zoldi is chief analytics officer at FICO responsible for the analytic development of FICO’s product and technology solutions. While at FICO, Scott has been responsible for authoring 63 analytic patents with 35 patents granted and 28 in process. Scott is actively involved in the development of new analytic products and Big Data analytics applications, many of which leverage new streaming analytic innovations such as adaptive analytics, collaborative profiling and self-calibrating analytics. Scott is most recently focused on the applications of streaming self-learning analytics for real-time detection of cyber security attacks. Scott serves on two boards of directors, Software San Diego and Cyber Center of Excellence. Scott received his Ph.D. in theoretical and computational physics from Duke University.

frank_holzenthal

Frank Holzenthal

Brian Kinch is a senior partner in Fair Isaac Advisors, FICO’s consultancy practice. A seasoned fraud manager in the European banking industry, Brian was most recently head of customer account fraud at Lloyds Banking Group, where he initially designed and implemented the bank’s fraud management target operating model. Previously, he worked at Visa Europe’s risk management group with specific responsibilities for driving reductions in both issuing and acquiring fraud across the region. He also spent 15 years at HSBC Card Services.

Scott Zoldi is chief analytics officer at FICO responsible for the analytic development of FICO’s product and technology solutions. While at FICO, Scott has been responsible for authoring 63 analytic patents with 35 patents granted and 28 in process. Scott is actively involved in the development of new analytic products and Big Data analytics applications, many of which leverage new streaming analytic innovations such as adaptive analytics, collaborative profiling and self-calibrating analytics. Scott is most recently focused on the applications of streaming self-learning analytics for real-time detection of cyber security attacks. Scott serves on two boards of directors, Software San Diego and Cyber Center of Excellence. Scott received his Ph.D. in theoretical and computational physics from Duke University.

Frank Holzenthal is managing director for FICO TONBELLER, a division of FICO specializing in financial crime compliance solutions. He joined TONBELLER in 2001 as head of the product development team for Zeidon®. In 2003, he became Product Manager of Anti-Financial Crime Solutions – responsible for developing solutions for risk assessment, anti-money laundering, watch list management, fraud detection and market abuse. Prior to joining TONBELLER Mr. Holzenthal was at Landesbank Rheinland-Pfalz acting as DV organizer. He has substantial experience with the implementation of enterprise-wide AML systems including the implementation of one of the world’s largest centralized (ASP) AML solutions for about 450 German savings banks and 5 federal banks with assets totalling €842 billion.

Frank Holzenthal is managing director for FICO TONBELLER, a division of FICO specializing in financial crime compliance solutions. He joined TONBELLER in 2001 as head of the product development team for Zeidon®. In 2003, he became Product Manager of Anti-Financial Crime Solutions – responsible for developing solutions for risk assessment, anti-money laundering, watch list management, fraud detection and market abuse. Prior to joining TONBELLER Mr. Holzenthal was at Landesbank Rheinland-Pfalz acting as DV organizer. He has substantial experience with the implementation of enterprise-wide AML systems including the implementation of one of the world’s largest centralized (ASP) AML solutions for about 450 German savings banks and 5 federal banks with assets totalling €842 billion.

brian_kinch

Sarah Rutherford

Sarah Rutherford manages solutions marketing for FICO’s fraud, cybercrime and compliance business. Sarah is on a mission to help organizations understand more about the fraud and financial crime challenges they face and introduce them to better ways to fight the bad guys. Having worked as a marketing professional in the IT sector for almost 20 years, Sarah joined FICO following six years at Experian. An enthusiastic blogger, Sarah has blogged about subjects as diverse as identity management, fraud and cybersecurity, payments, women in the workplace and motivational sayings that are irritating!

Sarah Rutherford manages solutions marketing for FICO’s fraud, cybercrime and compliance business. Sarah is on a mission to help organizations understand more about the fraud and financial crime challenges they face and introduce them to better ways to fight the bad guys. Having worked as a marketing professional in the IT sector for almost 20 years, Sarah joined FICO following six years at Experian. An enthusiastic blogger, Sarah has blogged about subjects as diverse as identity management, fraud and cybersecurity, payments, women in the workplace and motivational sayings that are irritating!


Risk & Compliance

Rachel Bell

Ethan Dornhelm

Rachel leads the analytic team responsible for client support of FICO’s Global Scoring analytic products & services—including the industry-leading FICO® Scores in the U.S., as well as delivery and implementation support for FICO® Scores internationally. Rachel has more than 15 years experience in developing and delivering scoring solutions for originations, account management, and marketing applications globally.

Ethan Dornhelm is a senior principal scientist in the Analytic Development group at FICO. Ethan is currently responsible for the research and development of new products and services within the Scores organization. He has spent much of his 14+ years at FICO supporting the technical redevelopment, maintenance and analytic support of FICO® Scores in North America, as well as overseeing analytic development for the company’s myFICO.com portal. Ethan graduated from U.C. San Diego with a B.S. in management science/operations research.

Joanne Gaskin

Rachel leads the analytic team responsible for client support of FICO’s Global Scoring analytic products & services—including the industry-leading FICO® Scores in the U.S., as well as delivery and implementation support for FICO® Scores internationally. Rachel has more than 15 years experience in developing and delivering scoring solutions for originations, account management, and marketing applications globally.

Ethan Dornhelm is a senior principal scientist in the Analytic Development group at FICO. Ethan is currently responsible for the research and development of new products and services within the Scores organization. He has spent much of his 14+ years at FICO supporting the technical redevelopment, maintenance and analytic support of FICO® Scores in North America, as well as overseeing analytic development for the company’s myFICO.com portal. Ethan graduated from U.C. San Diego with a B.S. in management science/operations research.

Joanne Gaskin is the product management director for Scores at FICO. She is responsible for the strategic direction of FICO’s scoring products and business partnerships serving the needs of the mortgage industry, and led the FICO Mortgage Recovery Initiative launched in 2009. Joanne has more than 20 years experience in banking and financial services. She led efforts to address some of the most important topics impacting the mortgage market today: regulatory compliance, credit risk management, data security and e-mortgages. She is a graduate of the Mortgage School of Banking, earning the Accredited Mortgage Professional Designation.

Neill Crossley

Joanne Gaskin is the product management director for Scores at FICO. She is responsible for the strategic direction of FICO’s scoring products and business partnerships serving the needs of the mortgage industry, and led the FICO Mortgage Recovery Initiative launched in 2009. Joanne has more than 20 years experience in banking and financial services. She led efforts to address some of the most important topics impacting the mortgage market today: regulatory compliance, credit risk management, data security and e-mortgages. She is a graduate of the Mortgage School of Banking, earning the Accredited Mortgage Professional Designation.

Neill Crossley is director of product management at FICO. He has over 30 years of financial services experience, with the majority focused on the development and use of predictive and prescriptive analytics to solve business problems across the customer lifecycle. Neill has been with FICO for the last 11 years and is currently focused on managing the decision optimization and decision strategy management products. He is also a member of FICO Labs, a cross-functional team that focuses on new innovations. He brings together a rare combination of retail banking and analytics expertise, and has a proven track record of delivering innovative solutions that result in multi-million dollar benefits for clients.

Dr. Andrew Jennings

Chisoo Lyons

Andrew Jennings is an economist and senior vice president at FICO. In his current role, he works on the analytic strategy and development of the company’s key offering in credit reporting, the FICO® Score. He has held a number of executive positions at FICO since joining the company in 1994, including stints as director of FICO’s European operations and chief analytics officer. Before joining FICO, Andrew served as head of unsecured credit risk for Abbey National where he introduced account behavior scoring and mortgage scoring. He also served as a lecturer in economics and econometrics at the University of Nottingham.

Chisoo Lyons is a vice president for Fair Isaac Advisors, FICO’s consulting practice. In her current role, she leads FICO’s global advanced analytic initiatives, working with clients in bringing innovative analytic solutions and products to market. Throughout her career at FICO, Chisoo has directed efforts to keep the company at the forefront of analytic and decision technology. She was the driver in the commercialization of a series of analytic products then known as Strategy Science that have often been called the third “decision revolution.” Chisoo’s numerous roles at FICO have also included business management and client delivery. For eight years, Chisoo led an international client support organization, covering Asia Pacific, Canada, Central/South America, and South Africa. She holds B.S. and M.S. degrees from U.C. Berkeley in industrial engineering and operations research.

Neill Crossley is director of product management at FICO. He has over 30 years of financial services experience, with the majority focused on the development and use of predictive and prescriptive analytics to solve business problems across the customer lifecycle. Neill has been with FICO for the last 11 years and is currently focused on managing the decision optimization and decision strategy management products. He is also a member of FICO Labs, a cross-functional team that focuses on new innovations. He brings together a rare combination of retail banking and analytics expertise, and has a proven track record of delivering innovative solutions that result in multi-million dollar benefits for clients.

Andrew Jennings is an economist and senior vice president at FICO. In his current role, he works on the analytic strategy and development of the company’s key offering in credit reporting, the FICO® Score. He has held a number of executive positions at FICO since joining the company in 1994, including stints as director of FICO’s European operations and chief analytics officer. Before joining FICO, Andrew served as head of unsecured credit risk for Abbey National where he introduced account behavior scoring and mortgage scoring. He also served as a lecturer in economics and econometrics at the University of Nottingham.

Chisoo Lyons is a vice president for Fair Isaac Advisors, FICO’s consulting practice. In her current role, she leads FICO’s global advanced analytic initiatives, working with clients in bringing innovative analytic solutions and products to market. Throughout her career at FICO, Chisoo has directed efforts to keep the company at the forefront of analytic and decision technology. She was the driver in the commercialization of a series of analytic products then known as Strategy Science that have often been called the third “decision revolution.” Chisoo’s numerous roles at FICO have also included business management and client delivery. For eight years, Chisoo led an international client support organization, covering Asia Pacific, Canada, Central/South America, and South Africa. She holds B.S. and M.S. degrees from U.C. Berkeley in industrial engineering and operations research.

Daniel McConaghy

Daniel Melo

Daniel McConaghy serves as managing director and vice president for FICO in Asia Pacific. Based in Singapore, he leads the company’s growth efforts in Asia Pacific. Daniel has over 23 years of experience in building, managing and growing technology businesses in Asia Pacific, and has previously worked for industry stalwarts like Avaya and Lucent Technologies. He holds a masters in business administration from Babson College, and a bachelor’s degree in international economics from the University of Connecticut.

Daniel Melo is a senior director for Fair Isaac Advisors, FICO’s consulting practice. Currently focused on the EMEA region and based in Madrid, Daniel has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.

Daniel Nestel

Daniel Nestel is senior director of Government Relations for FICO. His responsibilities are focused on a wide range of legislative and regulatory issues of interest to the company. A seasoned government relations professional with more than 17 years of experience, Daniel has engaged in public policy advocacy work at the federal, state and local levels. Prior to joining FICO, Daniel was vice president of Government Affairs for Exclusive Resorts (a Steve Case majority-owned luxury travel company), director of State Government Affairs at Reed Elsevier, Inc. and senior assistant director of Federal Relations at the National Collegiate Athletic Association. Daniel received a Juris Doctor and a master’s degree from The Ohio State University and his undergraduate degree from Brandeis University.

Daniel McConaghy serves as managing director and vice president for FICO in Asia Pacific. Based in Singapore, he leads the company’s growth efforts in Asia Pacific. Daniel has over 23 years of experience in building, managing and growing technology businesses in Asia Pacific, and has previously worked for industry stalwarts like Avaya and Lucent Technologies. He holds a masters in business administration from Babson College, and a bachelor’s degree in international economics from the University of Connecticut.

Daniel Melo is a senior director for Fair Isaac Advisors, FICO’s consulting practice. Currently focused on the EMEA region and based in Madrid, Daniel has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.

Daniel Nestel is senior director of Government Relations for FICO. His responsibilities are focused on a wide range of legislative and regulatory issues of interest to the company. A seasoned government relations professional with more than 17 years of experience, Daniel has engaged in public policy advocacy work at the federal, state and local levels. Prior to joining FICO, Daniel was vice president of Government Affairs for Exclusive Resorts (a Steve Case majority-owned luxury travel company), director of State Government Affairs at Reed Elsevier, Inc. and senior assistant director of Federal Relations at the National Collegiate Athletic Association. Daniel received a Juris Doctor and a master’s degree from The Ohio State University and his undergraduate degree from Brandeis University.

Richard Schiffman

Paul Swyny

Campbell Scott

Richard Schiffman is a senior product manager responsible for FICO’s model management tools. Over his 22 years in FICO product management, he has guided the development and evolution of software for developing, monitoring and governing predictive models, as well as software for detecting application fraud. Richard joined FICO in 1992 as an analyst responsible for monitoring the stability and effectiveness of predictive models for leading financial institutions.
Richard is a published author, and holds a master’s degree in operations research from the University of California at Berkeley and a bachelor’s degree in industrial engineering from Lehigh University. He is an avid outdoorsman who enjoys backpacking in the wilderness areas of Yosemite and throughout the Sierra Nevada mountains.

Paul Swyny is a senior manager within the Pre-Sales Consulting Group of FICO. Paul provides consulting assistance to banks and financial institutions in all areas of credit risk management, with a focus on account management and collections and recovery. Prior to joining FICO in 2004, he spent over 15 years at a global collections and recovery solution provider. Leveraging over 20 years in the financial services software industry, Paul has participated in multiple projects spanning account management, collections and risk assessment within consumer credit, and has also been involved in the design of customer management and collections and recovery solutions. His global experience includes work on client engagements in Europe and Asia Pacific, and he is currently based in Melbourne, Australia.

Campbell Scott is responsible for global regulatory and compliance product management within the FICO® Scores team. Based out of the London office, Campbell joined FICO in 2014 from Experian UK. He has an extensive background in the development of high-quality customer solutions for both the private and public sectors, principally in highly regulated and compliance-focused environments. He also has over 25 years of experience in data management and customer identity and verification solutions.

Richard Schiffman is a senior product manager responsible for FICO’s model management tools. Over his 22 years in FICO product management, he has guided the development and evolution of software for developing, monitoring and governing predictive models, as well as software for detecting application fraud. Richard joined FICO in 1992 as an analyst responsible for monitoring the stability and effectiveness of predictive models for leading financial institutions.
Richard is a published author, and holds a master’s degree in operations research from the University of California at Berkeley and a bachelor’s degree in industrial engineering from Lehigh University. He is an avid outdoorsman who enjoys backpacking in the wilderness areas of Yosemite and throughout the Sierra Nevada mountains.

Paul Swyny is a senior manager within the Pre-Sales Consulting Group of FICO. Paul provides consulting assistance to banks and financial institutions in all areas of credit risk management, with a focus on account management and collections and recovery. Prior to joining FICO in 2004, he spent over 15 years at a global collections and recovery solution provider. Leveraging over 20 years in the financial services software industry, Paul has participated in multiple projects spanning account management, collections and risk assessment within consumer credit, and has also been involved in the design of customer management and collections and recovery solutions. His global experience includes work on client engagements in Europe and Asia Pacific, and he is currently based in Melbourne, Australia.

Campbell Scott is responsible for global regulatory and compliance product management within the FICO® Scores team. Based out of the London office, Campbell joined FICO in 2014 from Experian UK. He has an extensive background in the development of high-quality customer solutions for both the private and public sectors, principally in highly regulated and compliance-focused environments. He also has over 25 years of experience in data management and customer identity and verification solutions.

Dr. Scott Schulz

Scott Schulz is a principal scientist in the Scores organization at FICO. Scott joined FICO in 2013 and is currently responsible for the Mortgage Credit Research Partnership. In his 20+ years’ experience in retail banking, he has built, used and maintained models for direct mail targeting, existing customer risk, risk-adjusted return on capital, Basel II capital allocation, loan loss reserving and stress testing. Scott graduated from UC Berkeley with an A.B. in Statistics and Physics, and from Stanford University with a M.S. and Ph.D. in Operations Research.

Kate Winterflood is a senior product manager at FICO, responsible for the Customer Communication Services products. Kate started her financial service career at The Royal Bank of Scotland in 2001; where she completed the Graduate Development Programme before going on to hold various roles in ecommerce and payment services. In 2010, when RBS sold a majority stake in its payment business WorldPay, Kate moved with the business and was responsible for product development for their largest global clients. She moved to FICO in 2012, at the point the company acquired Adeptra and has since focused on diversifying the product portfolio to ensure FICO has the latest and most innovative customer engagement tools for optimising customer service available for their clients.
Kate holds a BA Degree in Social Policy from Newcastle University and lives in London with her husband and two young sons.

Scott Schulz is a principal scientist in the Scores organization at FICO. Scott joined FICO in 2013 and is currently responsible for the Mortgage Credit Research Partnership. In his 20+ years’ experience in retail banking, he has built, used and maintained models for direct mail targeting, existing customer risk, risk-adjusted return on capital, Basel II capital allocation, loan loss reserving and stress testing. Scott graduated from UC Berkeley with an A.B. in Statistics and Physics, and from Stanford University with a M.S. and Ph.D. in Operations Research.

Kate Winterflood is a senior product manager at FICO, responsible for the Customer Communication Services products. Kate started her financial service career at The Royal Bank of Scotland in 2001; where she completed the Graduate Development Programme before going on to hold various roles in ecommerce and payment services. In 2010, when RBS sold a majority stake in its payment business WorldPay, Kate moved with the business and was responsible for product development for their largest global clients. She moved to FICO in 2012, at the point the company acquired Adeptra and has since focused on diversifying the product portfolio to ensure FICO has the latest and most innovative customer engagement tools for optimising customer service available for their clients.
Kate holds a BA Degree in Social Policy from Newcastle University and lives in London with her husband and two young sons.

Tim Young is a principal consultant at FICO. Tim has over 15 years’ experience spanning banking, finance, retail and marketing analytics. Since joining FICO in early 2011, Tim has focused helping retail and marketing clients achieve their customer goals. He has the ability to quickly assess and understand a client’s business model and key challenges, and connect them back to the solutions that can best deliver against their needs. Tim holds a BA in Finance from Bethel University and an MBA in Finance from Indiana Wesleyan University.

Tim Young is a principal consultant at FICO. Tim has over 15 years’ experience spanning banking, finance, retail and marketing analytics. Since joining FICO in early 2011, Tim has focused helping retail and marketing clients achieve their customer goals. He has the ability to quickly assess and understand a client’s business model and key challenges, and connect them back to the solutions that can best deliver against their needs. Tim holds a BA in Finance from Bethel University and an MBA in Finance from Indiana Wesleyan University.