Keynote Sessions

Download the Agenda in PDF format.

Wednesday, April 14

Dr. Mark Greene, FICO CEO

How will advances in Decision Management technology give your business a competitive advantage in the recovery? Join Mark Greene as he spells out the future vision for FICO's Decision Management scores, tools and applications, and how innovation adoption can help you succeed.

Banking in the Reset Economy — Panel

Michael Lafferty, Chairman, Lafferty Group (Moderator)
Eduardo Prado, Managing Director, Research and Analytic Modeling, Personal Accounts, Itaú Unibanco
Ray Duggins, Chief Risk Officer, GE Capital - Consumer
Manuel Gonçalves, Director, Credit Division, Risk & Decision Models Unit, Millennium bcp
Frank Faughnan, Chief Risk Officer, RBS Card Services
Bill Gray, Director, Retail Secured Lending, Abbey, Alliance & Leicester, Bradford & Bingley (Santander)
Changes in customer behavior, pressures on profitability, economic risks, new regulations, rising unemployment – the so-called “reset” economy calls for a different approach to your business. Our panel, moderated by Michael Lafferty, will explore the new opportunities in today’s banking market, and how leaders are positioning themselves for growth.

Thursday, April 15

Michael Porter
Author, On Competition and Competitive Strategy

Michael Porter is a leading authority on competitive strategy, the competitiveness and economic development of nations, states, and regions, and the application of competitive principles to social problems such as healthcare, the environment, and corporate responsibility. Professor Porter is generally recognized as the father of the modern strategy field, as has been identified in a variety of rankings and surveys as the world’s most influential thinker on management and competitiveness. He is the author of 17 books, including On Competition and Competitive Strategy; he is also a guest columnist for the Wall Street Journal, and the Bishop William Lawrence University Professor, based at Harvard Business School. Professor Porter developed the much-praised MBA course on Industry and Competitive Analysis, lectures widely on competitive strategy, and is a strategic consultant to numerous companies in the United States and abroad.

Friday, April 16 Regulation Revolution

Rick Fischer, Partner, Morrison & Foerster
Scott Talbott, Senior Vice President for Government Affairs, Financial Services Roundtable
Christopher Olsen, Assistant Director, Division of Privacy and Identity Protection, Federal Trade Commission
Michael Turner, President and CEO, PERC
There has been a sea change in the relationship between governments and financial services, caused (or exacerbated) by the economic crisis. To give you a better understanding of the forces at play, FICO is bringing together key observers of the regulatory scene to discuss what we can expect in 2010 and beyond from the Obama administration, the US Congress, and financial services regulators in other markets.

Breakout Sessions

Banking and Credit Risk | Collections and Recovery | Governance and Compliance | Fraud | Insurance | Mortgage Lending | Analytic Innovation | Decision Management Technology

Banking and Credit Risk

Special Event:
Scoring Today Workshop — Strategies for Measuring and Managing Risk

Tuesday, 10:00am - 12:15pm

Julia Wooding, Scoring Solutions, FICO
Jaime Vargas, Scoring Solutions, FICO
There has never been a more critical time to make sure you are using scores to your best advantage. The Scoring Today Workshop will provide an overview of several important FICO® scoring topics, including: the concepts behind FICO® scoring, the basic foundations of FICO® score use throughout the consumer credit life cycle, and how to develop and use critical tracking systems to monitor and manage your scoring system for optimum results. This is your chance to get your questions answered from the world's foremost experts on credit scoring. This popular workshop is based on our  Making the Most of Scoring seminar, and is offered free to FICO World attendees as part of your registration.
Separate registration required - indicate your intention to attend this Tuesday Workshop when you register for FICO World.

Risk Management Fundamentals - Originations

Tuesday, 1:00 - 2:30pm

Sarah Murphy, Global Business Consulting, FICO
Rich Dougherty, Solution Management, FICO
The originations function can manage up to 80% of risk – if run effectively, this function can significantly improve the profitability of your organization, while lack of control in this part of the business will create significant and costly challenges downstream. This session will begin with an overview of the most common challenges in the originations arena and then provide practical steps that you can use in your organization to:

• Design, test and control strategies
• Improve manual reviews
• Track scoring model performance and applicant risk changes

 Please note you will attend this Tuesday session, when you are registering for FICO World.

Risk Management Fundamentals - Customer Management

Tuesday, 2:45 - 4:15pm

Sarah Murphy, Global Business Consulting, FICO
Alissa McCarthy, Professional Services, FICO
Managing customer relationships demands an understanding of customer risk and potential, plus a solid grasp of the tools and analytics required. This session will give you an overview of the best practices, and cover topics such as:

• How to design effective champion / challenger strategy tests
• How different analytics such as behavior scores and credit bureau scores can be used to segment and understand your portfolio
• How to measure and benchmark portfolio performance and spot critical trends early

Please note you will attend this Tuesday session, when you are registering for FICO World.

Workshop: Customer Management - Building Deposit Strategies

Tuesday, 4:30 - 6:00pm

Debb Gordon, Debit Product Management, FICO
Sharon O’Connor-Clarke, Solutions Management, FICO
The road ahead is hazardous for banks that intend to do business as they did before the financial crisis.  Proactive management of your deposit accounts at the customer level helps to ensure that each customer’s experience is appropriate and optimized for the greatest possible customer retention and loyalty.  The Deposit Strategies Workshop will focus on three key strategies: Overdraft Management, Fee Waivers and Event-Driven Cross Sales. We will discuss key drivers of the strategies, risk elements, deposit behavior scoring and event triggers to develop viable and functional strategies that help manage risk, retain income and grow loyalty through focused customer experience.
Building Deposit Strategies is offered free to FICO World attendees as part of your registration.

Debit is the New Credit

Wednesday, 11:15am - 12:15pm

Michael Lafferty, Chairman, Lafferty Group
Janice Horan, Solutions Management, FICO
Worldwide debit card issuance has grown at a rate three times faster than credit cards since 2002, but the former’s traditional role as an enabler for other retail banking products rather than being one in itself means its potential has largely lain dormant. In the current economic climate where the credit card is suffering, the banking industry is beginning to recognize the capabilities of the debit card and the integral role it can play in the modern-day banking relationship. In this thought-provoking presentation, Lafferty Group chairman Michael Lafferty reveals the changes taking place in Europe and the Americas, and discusses:

• The components of debit card profitability
• The impact of new technology
• The threat of decoupled debit from retailers
• How credit cards can fight back

360 Degree View of Credit Risk

Wednesday, 11:15am - 12:15pm

Robert Duque-Ribeiro, Scoring Solutions, FICO
Robert Hill, Vice President of Market Strategy, Early Warning Services LLC
Gordon Cameron, EVP, Chief Consumer Credit Officer, PNC
Lenders use many methods and models to evaluate consumer credit risk.  How can these technologies complement each other to provide a complete 360 degree view of both the risk and the opportunity that a particular customer represents? In this session we'll review how you can use scores as well as contributed data to manage risk and prevent fraud.

Attracting Tomorrow's Banking Customers: How to Increase the Stickiness of Generation Y 

Wednesday, 11:15am - 12:15pm

Balaji Yellavalli, Head of Large Banks Practice, Infosys
The digital-savvy Generation Y segment represents opportunities and new challenges for banks.  With no or low bank loyalty, minimal switching costs, and widespread adoption of social, mobile, and emerging technologies, Generation Y prefers “self service, on-the-go” banking coupled with personalization, customization, and P2P community-driven engagement. In this session, Infosys and FICO will share achievable strategies for adapting to new technologies and deepening relationships with tomorrow’s customers via innovative and proven Decision Management tools and technologies that enable secure, risk-controlled transactions.  

Connecting Customer Management and Collections Decisions to Increase Success — Success Story

Wednesday, 1:20 - 2:30pm

Jaco van Jaarsveldt, JD Group
Francois Grobler, JD Group
Simon Trupp, Director: Consulting & Analytics, PIC Solutions
JD Group Limited (JDG) of South Africa — a mass consumer financier and South Africa's leading differentiated furniture retailer — have executed a major initiative intended to centralize JDG’s credit across 8 of their brands into a centrally controlled Financial Services Division, focusing on the entire credit lifecycle. This initiative has involved the speedy implementation of both FICO TRIAD adaptive control system and FICO Blaze Advisor business rules management system.  This will enable  JDG Financial Services to manage a complete customer experience whilst making the right credit decisions, ensuring improved profitability at acceptable levels of risk. JDG will present:

• The strategic benefits of centralization in a difficult economic and market environment, and the reason they chose FICO's systems for their decision technology
• Tough lessons learnt during the centralization of credit and the implementation of TRIAD and Blaze Advisor
• Early results and successes that validate JDG's choices

5 Ways to Leverage and Build the Deposit Relationship — The Most Important Relationship With Your Customer

Wednesday, 3:00 - 4:30pm

Debb Gordon, Debit Solutions, FICO
If the deposit relationship is critical to your relationship with a customer, how well are you managing that relationship to maximize value and loyalty? Learn how lenders are using analytics and adaptive control principles used in managing credit accounts to retail banking and deposit / current accounts. Join in the discussion around this shift to a different credit mechanism and how lenders can manage risk in this environment.

Making Sound Decisions in Uncertain Times: An Architecture for Decision Management

Wednesday, 3:00 - 4:30pm

Rodney Nelsestuen, Senior Research Director, Cross Industry Research, TowerGroup
David Lightfoot, Product Management, FICO
Whether in survival mode, or focused on leading the marketplace of tomorrow, financial services institutions are facing the retooling of their business. In the midst of this strategic and business engineering, government involvement coupled with new regulations and new regulators will confuse and confound business and IT leaders across the globe. This session looks at key questions in making sense of tomorrow's financial services landscape at both the strategic and operational levels, and explores how the business and IT architecture can become a framework to enable better decisions in uncertain times. TowerGroup's Rodney Nelsestuen and FICO's David Lightfoot will discuss:

• How an "intelligence suite" will help financial institutions thrive in the marketplace of the future
• How an enterprise framework for decision-making enables holistic risk management
• How FICO's new Decision Management suite of applications can deliver value "between decisions" by enabling Connected Decisions across the lifecycle

Optimizing Credit Lines Under New Regulatory Requirements

Wednesday, 3:00 - 4:30pm

Matthew Duncan, National Australia Bank
Matt LaHood, Analytic Services, FICO
As new rules come into play on credit card portfolios, running a profitable card business in this environment of increasing constraints is more of a challenge than ever.  Savvy issuers are using optimization to balance these tradeoffs and improve their strategies.  One area that affects several parts of the world is the requirement for customers to opt-in to credit line increases. In this session, you will see:

• How to optimize line increases in an opt-in environment and the differences to expect from an automated line increase program
• The results achieved at National Australia Bank in an opt-in environment

Product Showcase: FICO Transaction Scores

Wednesday, 5:00 - 5:45pm

Cecilia Mao, Product Management, FICO
Jim Patterson, Global Business Consulting, FICO
Discover how adding transaction analytics to your customer management system can improve the timing and precision of risk decisions. We will describe what data is used by the FICO Transaction Scores models, address regulatory questions, show how the history of transactions is captured by the scores, discuss how and when the scores are generated, and explain how to integrate transaction scores into customer management decisions. We will review the implementation options and availability of the product, and how the same infrastructure can be applied to other decision areas like marketing.

Product Showcase: FICO® 8 Score

Wednesday, 5:00 - 5:45pm

Diane Leider, Scoring Solutions, FICO
When you’re facing unprecedented challenges managing credit risk, you need the most powerful tools available. The FICO® 8 Score offers predictive uplift of up to 15% and provides improved risk evaluation where you need it most - with minimal system changes. What does this mean to you?  Depending on your portfolio size and type, it can mean significant loss avoidance and the opportunity to gain a competitive advantage as recovery emerges. Join us for this session covering the challenges of the current credit environment, validation results for the FICO® 8 Score and strategies & benefits for adopting the new score. 

Product Showcase: Optimization for Credit Line Management

Wednesday, 5:00 - 5:45pm

Lisa Kart, Analytic Services, FICO
Steve Diercks, North American Sales, FICO
Are the hopes of running — let alone improving — your credit line strategies just a pipe dream?  Issuers are currently facing a number of significant challenges in today’s market, and wthat was once an easy revenue generator and customer risk management tool is now uncertain.  In this session we will highlight some of the main challenges to credit line management that banks are facing across the globe, and provide a number of examples of how FICO is helping issuers optimize credit lines within these new challenges, and make card accounts more profitable.

Competing through Analytics: How Latin America Banking is Changing

Thursday, 10:15 - 11:15am

Eduardo Prado, Managing Director, Research and Analytic Modeling, Personal Accounts, Itaú Unibanco
João Batista, Executive Risk Director and Vice President, Santander Retail
Dianne Clapp, Latin America Credit Director, Citibank
Enrique Alvarez, Manager of Policies and Strategy, RREE, Banco Santander
Andreas Suma, Latin American Markets, FICO
In credit-saturated markets such as Brazil, the nature of competition is changing. Rather than simply acquiring market share, banks must use analytics to compete by sharpening their segmentation and making more relevant and attractive offers. This session will show how banks can:

• Break through product silos and use analytics enterprise-wide
• Use optimization with predictive analytics to improve results
• Measure strategy performance and continuously improve results  

While our focus is on Latin America, the learnings will be applicable to other highly competitive markets as well.

Making Real-Time Decisions with Transaction Analytics

Thursday, 10:15 - 11:15am

Brad Jolson, Customer Management Solutions, FICO
Jim Patterson, Global Business Consulting, FICO
As the world economy becomes more dynamic and behavior changes occurs more rapidly, making real-time decisions driven by the latest risk analysis becomes essential. In this session, we will review how real-time risk assessment driven by transaction analytics can reduce credit losses, and look at research and client results. You will learn:

• How transaction data analysis can uncover changes in customer risk faster
• How additional insight from transaction data identifies risk more accurately
• How timely decisions using transaction scores can help lower losses and increase profits in your portfolio

Complying and Competing: How to Treat Originations Decisions Under New Card Regulations — Success Story

Thursday, 10:15 - 11:15am

Ryan Weber, Analytic Services, FICO
Paul Siegfried, Vice President - Bankcard, Fifth Third Bank
New credit card regulations in the US demand that issuers get the initial terms exactly right. This session reviews the approach taken by one major US issuer to optimize initial credit lines and pricing. This session will also review the implications of the Credit Card act on the originations decision, and show how analytics can help protect and grow revenues.

Increasing Personal Loan Portfolio Profitability — Success Story

Thursday, 11:45am - 12:45pm

Scott Jensen, Chief Risk Officer, GE Poland
Neill Crossley, Analytic Services, FICO
See how GE Money Poland significantly increased the profitability of their personal loans portfolio through the application of decision modeling and optimization.  GE Money used this technology to improve everything from the initial decisions on loan amounts and terms to the  management of the portfolio through significant economic and market changes. This session will demonstrate how decision optimization sets a new standard for portfolio management.

Building a Relationship Banking Model Through Customer Intelligence

Thursday, 11:45am - 12:45pm

Ricardo Ramirez Bennett, Director - CRM, Banamex
A relationship banking model, as opposed to a transactional one, anticipates customer needs and delivers integrated solutions in a timely and consistent manner. Strong analytical and deployment capabilities are fundamental for enabling a relationship model. Understanding and managing the complexity of different customer’s life cycles, consumption behaviors, service expectations, risk tolerance and potential requires sophistication in three key areas:

• Customer insight — having a holistic view of the customer through integrated data and developing relevant and actionable intelligence
• Customer-centric strategies — targeting and overall decision making based on a deep understanding of the key levers for different customer segments
• Performance management — measuring and leveraging every customer interaction as a valuable learning opportunity

This session will show how Banamex developed and leveraged customer-level intelligence to deepen and strengthen customer relationships. It will cover the relevance of a relationship banking model, the benefit of customer-centric strategies and an approach for managing customer interactions. 

Benchmarking Credit Risk Directions

Thursday, 2:00 - 3:00pm

Tom Quinn, Scoring Solutions, FICO
Myra Hart, Ph.D, SVP, Analytical Services, Equifax
What can FICO score trends tell you about the risk level of US consumers in a recovering economy with high unemployment? This session will dive into the emerging trends, with analysis from FICO's scoring experts.

Credit Scoring in Reserve Allocation: Roadmaps and Roadblocks

Thursday, 2:00 - 3:00pm

Nigel Clay, Senior Manager, Model Methodology and Thought Leadership, Australia New Zealand Bank
ANZ Bank is using behavior scoring and customer scoring to evaluate their capital requirements, which is helping them develop a better interaction between financial risk and credit risk. In this presentation, you will learn:

• Why understanding and forecasting capital constraints is vital to risk management
• Why analytics can make a huge difference in how banks are managed and how profitable they can be
  

Can Credit Cards Still Be Profitable? — Panel

Thursday, 3:30 - 5:00pm

Ted Iacobuzio, Senior Business Leader, Global Insights, MasterCard (Moderator)
Rick McNutt, EVP, Retail Payments, PNC
Steve Mott, Principal, BetterBuyDesign
Frank Faughnan, Chief Risk Officer, RBS Card Services
Steve Ashworth, Director Fraud & Risk Management, First Data
As consumers change the way they use credit, and as new regulations in the US make old profit models obsolete, card issuers are rethinking every aspect of their operations and portfolios. Join us for a panel discussion on the future of the credit card and its place in the changing world of customer relationships.

Assessing Credit Capacity to Improve Credit Lifecycle Strategies

Thursday, 3:30 - 5:00pm

Woochul Lee, Senior Manager, Samsung Card
Victor Wykoff, Scoring Solutions, FICO 
Samsung Card, one of South Korea’s leading credit card companies, has implemented FICO® Credit Capacity Index (CCI), which assesses borrowers’ ability to safely manage additional debt. In this session, they will discuss the implementation process and the benefits CCI will bring to their operations and profitability. Methods for tracking and measuring CCI outcomes will be shared, as well as how Samsung will integrate CCI into their credit lifecycle strategies.  

Harnessing New Data Sources to Identify Risk and Fraud

Thursday, 3:30pm - 5:00pm

Robert Hill, Vice President of Market Strategy, Early Warning Services
Chisoo Lyons, Research, FICO
Early Warning’s Risk Intelligence NetworkSM delivers solutions that enable a cross-enterprise and cross-industry view of a consumer’s financial behavior, including fraud and account mismanagement. In this session we'll review how you can use scores as well as contributed data to manage risk and prevent fraud.

Product Showcase: FICO™ TRIAD® 8.5

Thursday, 5:15 - 6:00pm

Chris Carpenter, Customer Management Solutions, FICO
Discover the latest changes in FICO’s industry-leading TRIAD system for managing credit customers and accounts. Version 8.5 includes new Decision Graph functionality that gives you unprecedented ability to create, view and understand complex decision strategies.

Product Showcase: FICO® Credit Capacity Index

Thursday, 5:15 - 6:00pm

Careen Foster, Scoring Solutions, FICO
Victor Wykoff, Scoring Solutions, FICO
Learn about FICO’s unique approach to assessing ability to repay that can help lenders make more profitable and responsible credit line decisions across the lifecycle.  New validation case studies will be highlighted from around the world. 

Adapting Credit Strategies to New Regulations

Friday, 8:30 - 9:30am

Simon Trupp, Director: Consulting & Analytics, PIC Solutions
Forward-thinking credit regulations were introduced in South Africa 2.5 years ago, and an element of these regulations was to ensure that every credit decision assessed the financial means of the customer. PIC Solutions and FICO have worked with South African clients to address their credit strategies in light of new regulations and changing market conditions. The South African market is a mixture of emerging market and developed market conditions, and in this session PIC Solutions will present key aspects across the portfolio to consider, and benefits of selected initiatives due to a changing playing field in this market. South Africa has been progressive with regards to considering financial means in credit decisions, so this information will be of benefit to attendees in countries where stricter consumer credit legislation including affordability and financial means regulations are being considered and introduced.

Forecasting Auto Finance Risk in Today’s Economy

Friday, 8:30 - 9:30am

Marguerite Watanabe, President, Connections Insights™
Brian Gunn, Chief Risk Officer, Global Auto, GMAC
Ken Gang, Head of Risk and Consumer Credit, Hyundai Capital
Shawna Morgan, North American Market, FICO
Join us as we examine evolving auto credit risk trends and their impact to the auto lending community. In this session industry experts will discuss the challenges facing lenders, dealers and consumers today, ways that lenders can differentiate in a competitive marketplace, and analytics that can deliver the most precise measurement of credit risk for profitable lending decisions.

Understanding Impacts of Economic Changes to Credit Risk Evaluation

Friday, 8:30 - 9:30am

Mark Zandi, Chief Economist, Moody's Analytics
Dr. Andrew Jennings, Chief Research Officer, FICO
Every lender knows that economic shifts will eventually be reflected in risk changes in their portfolio. But how? And by how much? In this session, Moody’s Analytics Chief Economist and co-founder of Moody's Economy.com Mark Zandi will address the factors that brought us to our current credit situation and discuss how the credit risk landscape may change in the future. Andrew Jennings, Chief Research Officer of FICO, will present a new FICO Scores innovation that can now help lenders can take proactive steps to manage risk represented by outside economic forces.

Achieving Superior Results in Card Account Origination - Success Story

Friday, 10:00am - 11:00am

Tatiana Forbes, Solution Management, FICO
Augusto Gayoso, Project Director, Santander Cards Chile
Santander Cards Chile improved their business model through the implementation of a robust solution that provides them within more flexibility and agility in making automated originations decisions. In this session, Santander Chile will share how they reduced their manual approval rate while improving the quality of decisions; gained the ability to swiflty amend policies and strategies; and increased profitability without increasing the delinquency rates. Their report on the challenges of adopting a new approach, key success factors in the project, and lessons learned can help any lender looking to modernize and transform their originations operation.

Managing Credit Risk Across the Lifecycle — Success Story

Friday, 10:00 - 11:00am

Vincent Chiang, CEO, Pacific Credit Card Center, Bank of Communications
As a leader in the rapidly growing China market for credit, Bank of Communications has pursued its ambitious goals by creating  an integrated, holistic Decision Management platform.  This platform, based on FICO technology, enables BOCOM to manage risk more intelligently from origination to customer management to collections. Hear about the goals and learnings for this project, which won the Best Risk Management Award for 2008 from The Asian Banker, and won a 2009 Decision Management Pioneer Award from FICO.  You will see how BOCOM:

• Increased revolving balance by 10% while controlling risk
• Gained efficiencies of up to 30% in account origination
• Improved the efficiency and effectiveness of account management
• Leveraged data from account origination and customer management systems to better understand each customer
• Prioritized efforts in collections to improve results
• Shortened the cycle from strategy development to production

Restructuring Debt to Improve Portfolio Quality

Friday, 10:00 - 11:00am

Frantisek Jezek, Group Head of Risk, Raiffeisen
Bruce Curry, Global Business Consulting, FICO
Eastern European countries have been severely hit by a the economic downturn. In addition, customers whose finances have not changed have seen increases in monthly installments of up to 50% due to the related local and foreign currency fluctuations. This has driven higher volumes of delinquencies with low cure rates. With this backdrop, Raiffeisen Bank has worked to improve portfolio quality by restructuring delinquent and pre-delinquent accounts, and taking other loss mitigation measures in an approach driven by a sharper segmentation. In this presentation they will share the project and its considerations, including:

• The value of tactical segmentation to create actionable segmentation in a shorter timefame
• How to identify the substantial numbers and value of ""target"" customers that sit in the delinquent book
• Strategies for debt restructuring, and other components needed in a comprehensive payment solution toolkit

Product Showcase: FICO® Economic Impact Index 

Friday, 10:00 - 11:00am

Careen Foster, Scoring Solutions, FICO
Mike Harvey, Vice President, Strategic Alliances, Equifax
Learn about FICO’s latest evolution in risk management solutions to help lenders harness even more power from FICO® 8 scores to anticipate and adjust lifecycle decisions to future economic trends.    

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Collections and Recovery

Around the World in 30, 60, 90 Days – a Global View of Best Practices in Collections

Wednesday, 11:15am - 12:15pm

Bobbie Britting, Research Director - Consumer Lending, Tower Group
From a US subprime mortgage crisis to a global economic disaster:  Delinquency rates for most types of consumer loans have soared across global markets, catching lenders in not just a technology gap but a technology abyss. Collections can no longer be the forgotten technology to meet today’s challenges. Is your institution using all the tools available to stem the rising tide of loan delinquencies?  Are you the leader utilizing sophisticated and appropriate collection practices, or the last lender in line on payday? This session will cover a global view of ways to rethink delinquency, default, and collection practices and the challenges of keeping delinquent borrowers current, homeowners in their homes, automobiles on the streets, and your portfolio in the black.

The Collections Challenge Today — Panel Discussion 

Wednesday, 1:30 - 2:30pm

Bobbie Britting, Research Director - Consumer Lending, Tower Group (moderator)

Aaron Loo, SVP Cards & Direct Banking, CIMB Bank Berhad
Euan McPherson, Head of Debt Recovery Services, Lloyds Banking Group
John Ramage, Business Development & Transformation Manager, Collections, Westpac
Erik Porter, Collections Specialist, Barclays Group Credit Operations   
Kleitos Georgiou, Director Retail - Portfolio Management & Collections, Piraeus Bank
Lynne Labrador, Solution Management, FICO
This panel discussion moderated by Tower Group and FICO promises to be a lively discussion about how global and regional banks are addressing collections & recovery in the reset economy.

Creating an Analytic Advantage in Collections

Wednesday, 3:00 - 4:30pm

Bruce Curry, Global Business Consulting, FICO
Dustin White, Analytic Services, FICO

Collectors are using analytics not just to segment and prioritize accounts, but to determine the ideal treatment for each account or customer. This session will show you how advanced decision modeling and optimization techniques can be used to deliver valuable, business-driven solutions throughout your collections and recovery practice. You’ll see the importance of effective operational execution to fulfill the value analytics can add by helping you:

• Identify actions to take and when
• Evaluate and offer loan workout options
• Balance performance metrics and business constraints in a dynamic environment

Product Showcase: Upgrading Your Collections and Recovery Platform with FICO™ Debt Manager 8

Wednesday, 5:00 - 5:45pm

Dave Bradford, Collections and Recovery Solutions, FICO
Chris Campbell, Collections and Recovery Solutions, FICO
Debt Manager 8 provides an advanced collections and recovery platform based on a service-oriented architecture. Preparing for the migration will help smooth out the project and shorten the learning curve. The session will cover the best practices and draw from the experience of a number of FICO Debt Manager clients.

Transforming the Collections Operation — Success Story

Thursday, 11:45am - 12:45pm

John Ramage, Business Development & Transformation Manager, Collections, Westpac
Hear how Westpac achieved a quantum change in their approach to collections by transforming an already performing collections organization into a best-in-class operation. Westpac will describe their approach to the daunting prospect of significant change that impacted every facet of their collections operation, why they felt the change was required, how FICO helped in the process, and what benefits have been achieved.

Solving the Top Issues in Collections & Recovery

Thursday, 2:00 - 3:00pm

Lynne Labrador, Solutions Management, FICO
Cecilia Mao, Research, FICO
Across the industry, collections and recovery departments and agencies grapple with the same challenges. Join us as we discuss using analytics, strategy design and best practices to:

• Create a successful collections approach
• Manage increased collections volumes
• Place accounts with external agencies to maximize return

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Governance and Compliance

Enterprise Risk Management: Learn How Regulators Want You to View Risk

Wednesday, 1:30 - 2:30pm

Vance Gudmundsen, General Counsel Group, FICO
The US Securities Exchange Commission, the rating agencies, and Federal regulators are demanding that companies do a better job of taking corporate risk into account when they are choosing Board members, compensating employees, and making strategic decisions. Board members are responsible for knowing how the company is handling other types of risk, such as operational risk, market risk, reputational risk and legal risk. This session will describe the new environment and suggest a framework for complying.

New U.S. Banking Laws: Meeting and Exceeding Regulatory Requirements for Competitive Advantage

Wednesday, 3:00 - 4:30pm

Vance Gudmundsen, General Counsel Group, FICO
Andrew Smith, Partner, Morrison & Foerster
Tom Quinn, Scoring Solutions, FICO
New U.S. regulations form perhaps the most challenging part of the "reset" economy. Regulations for the Credit CARD Act and Risk Based Pricing Notice, for example, present challenges to lenders with new operational and system requirements.  Those that act early to move beyond the minimums of “checking the box” will have a greater competitive advantage. A panel of regulatory specialists and FICO Scores experts will discuss the extensive new laws and regulations that have revolutionized credit card lending, mortgage lending, securitizations, and much more. The panel will suggest ways banks can take a proactive approach to gain momentum in a newly constrained environment.

Basel II - Retail Bank Supervision in the New Banking Environment

Thursday, 11:45am - 12:45pm

Min Qi, Deputy Director, Credit Risk Analysis Division, Comptroller of the Currency
David Molyneaux, Financial Services Solutions, FICO
How are the fundamental changes in financial services over the past two years changing the Basel II requirements? Join experts from FICO and the OCC as they discuss issues including:

• Regulatory rule changes around Basel impacting retail banking in the US and UK/EU in the post-rescue environment
• New issues and challenges to retail IRB models post-crisis, including the failure of conventional retail models, and treatment of mortgage and loan modifications
• Recent research in retail EAD modeling

European Legislative and Regulatory Update

Thursday, 2:00 - 3:00pm

John Hadlow, Scoring Solutions, FICO
The EU is quietly adopting a US style of consumer protection, but based on their own versions of privacy and bank regulation. We will discuss the latest from the EU Parliament, the European Commission and the individual member countries, as they respond to the worldwide financial crisis.

Increasing Predictive Power with a Two-Tiered LGD Model

Friday, 8:30 - 9:30am

Matt Spence, Manager Portfolio Modelling, Farm Credit Canada
Farm Credit Canada used FICO Model Builder to model LGD distribution using a two-tiered approach. The first is to model the probability that a loss will occur. The second is to model how large that loss will be relative to exposure. The result is a combined LGD model (probability of write-off and expected loss %) that results in an LGD prediction that reduces type 2 prediction errors by over 50%.  This session will cover:

• LGD modeling for Basel II
• Continuous outcome modelling example (parcelling)
• Modelling with limited data

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Insurance

Using Credit-Based Insurance Scores — Regulatory Update

Tuesday, 2:45 - 4:15pm

Lamont Boyd, Insurance Solutions, FICO (Moderator)
Neil Alldredge, Senior Vice President, State & Policy Affairs, National Association of Mutual Insurance Companies
Loretta Worters, Vice President, Communications, Insurance Information Institute
This panel discussion will address regulatory and legislative issues facing the insurance industry’s use of FICO® Insurance Risk Scores based on credit bureau data. We will share perspectives from insurers and from regulators / legislators, as well as insights on current regulatory and legislative activities from FICO's insurance score experts, who work continually to champion the use of scoring throughout the US and Canada.

Achieving Analytic Advantage through FICO Research Collaboration Programs

Tuesday, 4:30 - 6:00pm

Chisoo Lyons, Research, FICO
Greg Marholin, Insurance Analytics, FICO
What are the latest developments from the FICO Labs, and how can you bring the newest analytic innovation to solve critical business problems? In this session, we will discuss specific innovations across the analytic space and how these innovations map to insurance business decision problems. You will also learn about our Research collaboration programs to get early access and gain a competitive advantage by being on the leading edge.

Top 10 Insurance Issues for 2010

Wednesday, 11:15am - 12:15pm

Karen Pauli, Research Director - Insurance, TowerGroup
What are the biggest business issues that keep insurance executives awake at night? TowerGroup has spoken to those sleepless executives, and will present its findings in this presentation. You will also learn what strategic responses and technology initiatives are insurers utilizing to address these issues. Whether your organization is regional or multi-national, success cannot be achieved without a deep alignment between business and technology. This session will provide a view of some of the most valuable directions to pursue.

Improving Risk Assessment in Workers' Compensation Underwriting — Success Story

Wednesday, 1:30 - 2:30pm

Glen Kuball, VP Underwriting, Workers' Compensation Fund
Dan Hair, Senior Vice President, Chief Underwriting and Safety Officer, Workers' Compensation Fund
Glenn Roiz, Analytic Services, FICO
Do customers with no prior claims deserve your lowest priced tier? Not in all cases. Sometimes the perfect model for insurance risk needs to combine claim history, non-claim related performance and policy size. Attend this session and learn about how Worker’s Compensation Fund was able to create a predictive underwriting model that meets all of its goals, including improved ease of doing business.

Translating Strategic Goals into Individual Decisions through Optimization

Wednesday, 3:00 - 4:30pm

Scott Horwitz, Insurance Solutions, FICO
Deena Narayanaswamy, Research, FICO
Decision Optimization technology uses permutations on key constraints to evaluate alternatives and solve for the optimal strategy. In the example of insurance pricing optimization, it does this by incorporating demand sensitivity, competitive information, and past customer behavior to solve for the optimal insurance price for set goals on growth and margins.
In this session, you will learn how to:

• Translate high-level goals into actionable decision on an individual basis
• Create optimal strategies even when opportunities to experiment are limited
• Account for what a customer is likely to do (demand sensitivity) in your decisions through the example of pricing optimization

Product Showcase: FICO™ Insurance Fraud Manager 3

Wednesday, 5:00 - 5:45pm

Lesley Jenkins, Insurance Fraud Solutions, FICO
How can healthcare insurers save more of the $200-$600 billion a year lost in the US alone on fraud, waste and abuse in healthcare claims? Predictive analytics give insurers the ability to identify much more fraud, and find it before claims are paid, avoiding the “pay and chase” syndrome. FICO™ Insurance Fraud Manager has given insurers a 10:1 ROI through its powerful analytics.

Finding Fraud Before Claim Payment

Thursday, 10:15 - 11:15am

Mike Tyler, Analytic Services, FICO
Kyle Cheek, Vice President of Analytics, EMDEON
In the healthcare insurance sector, FICO has led the market in helping payers score claims prior to payment. This type of claims-level scoring that happens after adjudication but before the check is cut often called “pre-payment” fraud detection. FICO has now developed a methodology for “pre-adjudication” fraud detection that stands to offer additional benefits to insurance carriers. You’ll leave with a better understand of the challenges and benefits of introducing fraud detection even earlier in the claims lifecycle.

Transforming Your Business with Business Rules — Success Story

Thursday, 10:15 - 11:15am

John Bart, IT Solutions Project Manager, Investments and Risk, Genworth
Mike Sawyer, Insurance Solutions, FICO
Whatever your current use of business rules, there are other areas of your business that can benefit from the agility and consistency of a rules-driven approach. Find out how Genworth Financial took its existing use of FICO™ Blaze Advisor® business rules management system from mortgage insurance into the area of risk monitoring for assets. Genworth built a flexible and dynamic system that detects deteriorating investments and points analysts to focus on the investments requiring most attention. This session will be of interest to anyone exploring new opportunities for using business rules, and seeking to create systems that:

• Empower business users to modify rules
• Automate time-consuming manual processes
• Allow rules created anywhere in the hierarchy to be universally propagated

Get More Value from Insurance Scores

Thursday, 11:45am - 12:45pm

Lamont Boyd, Insurance Solutions, FICO
Greg Marholin, Insurance Solutions, FICO
Deriving more value from every piece of data is critical to insurers' success. And one of the most valuable pieces of information you can purchase is credit-based insurance scores. If you're only using credit-based insurance scores for underwriting, join us to discover additional ways your competition is using scores to inform decisions, including prescreening to "cherry-pick" the best prospective customers.

Fighting Fraud in Medical Insurance — Success Story

Thursday, 11:45 - 12:45pm

Erik Van Doorn, Manager, Process Quality and Support, AGIS
Charlotte Thompson, EMEA Market, FICO
Learn why Agis Zorgverzekeringen, part of the large Dutch health insurance group Achmea, selected FICO™ Insurance Fraud Manager for its project to combat fraud and abuse in the dentistry segment of its business. This session will cover the challenges faced by the insurer, initial results from the project, and future plans to extend the FICO solution to other parts of the business.

Claim Reserving for Compliance and Operational Gains

Thursday, 2:00 - 3:00pm

Scott Horwitz, Insurance Solutions, FICO
Claims reserving requirements are leading companies to drive toward more intelligent and automated claims reserving processes at the adjuster level. Join us to discuss:

• How reserves fit into the capital adequacy calculations, and how long-tail claims can lead to wide variability in that calculation
• How companies can use the compliance measures to also drive more efficient and productive claims adjudication processes 
• How Solvency II applies to the US market

Advance Your Claims Fraud Detection

Thursday, 3:30 - 5:00pm

Jim Evans, VP, Claims Performance, McKesson
Jeff Brewer, Insurance Fraud Solutions, FICO
Learn how supplementing best-of-breed fraud detection analytics with clinical expertise from the world’s leading healthcare experts can make a combined solution that is the true fraud killer. In this session, McKesson will share more information on their healthcare fraud detection project, preliminary results, and the next directions for the solution. 

Product Showcase: FICO Blaze Advisor and Microsoft; Enterprise Business Products

Thursday, 5:15 - 6:00pm

Colin Cole, Chief Technology Strategist – Insurance, Microsoft
Jamie Chaban, Insurance Solutions, FICO
Microsoft and FICO have teamed together to bring insurers and their customers an easy and streamlined approach to enterprise business applications. The approach will be showcased in the context of filing and processing  claims.  See how the integration of FICO Blaze Advisor and Microsoft enterprise business products (Dynamics CRM, SharePoint 2010, Office 2010) can be combined to implement a first notice of loss process with automated decision points for efficient claims processing workflow.

Improved Commercial Insurance Underwriting

Friday, 8:30 - 9:30am

Dennis Middleton, Manager Business Services, Commercial Lines, Liberty Mutual Agency Markets
Paul Avilez, Technologist, Liberty Mutual Agency Markets
Carlos Zavala, Insurance Solutions, FICO
Learn how the commercial insurance division at Liberty Mutual used FICO™ Blaze Advisor® business rules management system to help automated the process of placing risk with the right internal company and in the right risk class, improving results and loss ratios.

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Mortgage Lending

The Global Mortgage Market: What's Next?

Wednesday, 11:15am - 12:15pm

Joanne Gaskin, Scoring Solutions, FICO (Moderator)
Richard Koss, Director, Mortgage Market Analysis, Fannie Mae
Dr. Peter Williams, Executive Director, Intermediary Mortgage Lenders Association
Policymakers in Europe and the US have been tackling financial services regulations in the wake of the global financial crisis though they diverge in their approaches and the pace of change.  What does this mean for global capital flows for mortgage funding and the potential for regulatory arbitrage?  Join this expert panel to learn more about the overall health of the US and EU housing and mortgage markets, and join the dialogue on what ongoing role government and central banks should play.

Survival in the Trenches: Risk Managers Best Practices Roundtable

Wednesday, 1:30 - 2:30pm

Joanne Gaskin, Scoring Solutions, FICO (Moderator)
Craig Focardi, Senior Research Director, TowerGroup
Mark Hillis, Chief Risk Officer, CitiMortgage

Bill Gray, Director, Retail Secured Lending, Abbey, Alliance & Leicester, Bradford & Bingley (Santander)
Stephen Troutner, Credit Risk Executive, Bank of America
TowerGroup and FICO recently conducted a study of the top mortgage lenders to provide an in-depth view of how the major US mortgage lenders are managing loan remediation, identification of customers at risk and outreach mechanisms.  In this session, hear all about the results of that study as well as real-world stories from some of these same institutions. 

Rebuilding the Mortgage Market: What the Secondary Market Needs

Thursday, 10:15 - 11:15am

Joanne Gaskin, Scoring Solutions, FICO (Moderator)
Tom Deutsch, Executive Director, American Securitization Forum
Alex J. Pollock, Resident Fellow, American Enterprise Institute
Diane Pendley, Managing Director, Operational Risk Group, Fitch Ratings Service
Given the mortgage meltdown of 2008 and beyond, the secondary market is requiring mortgage lenders to provide better quality and more extensive credit information. These requirements funnel back to changes required in lending practices.  Join this conversation with experts who will address the changes on the lender and the secondary market side, as both struggle to rebuild confidence and stability.

2010 Mortgage Fraud Trends, Impacts and Solutions

Thursday, 2:00 - 3:00pm

Frank McKenna, Vice President Fraud Strategy, First American CoreLogic
Explore the most dangerous mortgage fraud trends and their potential financial impact on lenders in 2010, as identified in a recently published study from the mortgage industry’s largest fraud consortium.  Frank McKenna will also share recent advancements that fraud scientists have achieved by leveraging pattern recognition technologies on this data.

Product Showcase: Mortgage Loan Modification Optimization

Thursday, 5:15 - 6:00pm

Eric Wells, Research, FICO
A major challenge facing the industry is a high re-default rate following loan modification. FICO has developed a loan modification optimization solution that allows servicers to effectively identify the optimal loss mitigation action for each troubled mortgage borrower’s specific situation. Find out how this flexible and adaptive solution can help servicers:

• Manage the risk of re-defaults while balancing other key business objectives, such as maintaining/maximizing the net present value (NPV) of modified loans
• Increase loan modification acceptance rate and customer retention
• Improve results in a dramatically changing environment

Mortgage Lending Underwriting in the Reset Economy

Friday, 8:30 - 9:30am

Joanne Gaskin, Scoring Solutions, FICO (Moderator)
Deborah Slade-Horsey, Vice President, Credit Risk Management, Fannie Mae
Jack Konyk, Executive Director, Government Affairs, Weiner Brodsky Sidman Kider PC
Claudia J. Merkle, VP, National Account Operations & Risk, PMI Mortgage Insurance Co.
Bob Ryan, Chief Risk Officer, Federal Housing Administration
Understanding mortgage lending best practices from credit risk and regulatory perspectives has never been more essential to growing your business profitably.  Our panel of experts will discuss underwriting strategies and proven methodologies focused on compliance and improved credit quality. 

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Analytic Innovation

Analytic Workshop: Managing Regulations

Tuesday, 1:00 - 2:30pm

Alissa McCarthy, Solution Consulting, FICO
Jose Tagunicar, Analytic Services, FICO
David Molyneaux, Financial Services Solutions, FICO
Running a profitable lending business in this tumultuous and strictly regulated landscape is more difficult than ever. Consumers are changing the way they use credit, and new regulations are adding to the challenge of protecting and growing revenue; as a result, financial services institutions are rethinking every decision they make. In this interactive session, we will discuss recent changes in consumer behavior as well as recent and upcoming regulations throughout the world and how they will influence a lender’s analytic approach to Decision Management.
Please note you will attend this Tuesday session when you register for FICO World.

Analytic Workshop: Improving Risk Forecasts

Tuesday, 2:45 - 4:15pm

Jose Tagunicar, Analytic Services, FICO
In today’s economy, tomorrow no longer looks like yesterday. This has analytic teams focusing greater attention on the need to employ sound quantitative approaches when estimating future performance. Forecasting tools and techniques have become a great necessity in today’s credit markets. This workshop session will serve as an introduction to FICO approaches and give you the opportunity to interact with the FICO® Score Trends application.
Please note you will attend this Tuesday session when you register for FICO World.

Analytic Workshop: Decision Modeling

Tuesday, 4:30 - 6:00pm

Ryan Weber, Analytic Services, FICO
Companies around the world count on analysts and consultants to find the best strategies and tactics for achieving multi-objective outcomes under complex operational constraints — otherwise known as optimization. While some companies let the optimization algorithm run free, a more advanced approach involves developing decision models. Decision models establish the relationships you need to understand before even thinking about the best action to take. In addition to providing some background on how decision modeling is used in optimization, this session will highlight a few important steps in the development of a decision model. The session will begin with the design stage using an interactive white board session, and conclude with a demo of FICO's optimization software.

Please note you will attend this Tuesday session when you register for FICO World.
 

Managing Risk and Profit: The Value of a Strategy Development Roadmap

Wednesday, 11:15am - 12:15pm

Matt LaHood, Analytic Services, FICO
Lisa Kart, Analytic Services, FICO
Are you managing risk or increasing profit? Designing strategies that do both is at the top of the agenda for lenders worldwide. In this session we will show how you can use a strategy development roadmap to get there, and the impact that can be achieved on profit and loss drivers. We will explore:

• How strategies across the account lifecycle can use predictions and data to drive a focus on profit
• How a strategy using two or three complementary scores can yield important benefits to lenders in emerging markets
• How an optimized strategy for setting initial credit lines has had a significant bottom-line impact for a North American lender

Causal Modeling – Applying the Science of “What If?” to Credit Decisions

Wednesday, 1:30 - 2:30pm

Gerald Fahner, Research, FICO

Optimizing every decision requires accurate estimation of customer responses to treatments. But data limitations can pose formidable challenges to estimation. Come learn about a scientific framework and advanced methodologies for causal modeling, best practices, and our latest research into:

• Rubin Causal Model and its consequences
• Pitfalls of causal modeling
• Propensity score-based matching
• Extensions to risk-based pricing and credit line management

This is a technical session for data analysts, model developers and strategy/test designers.

Post-Crisis Analytics — Panel

Wednesday, 3:00 - 4:30pm

Chris Sparks, Director, Financial Strategy and Risk Infrastructure, Royal Bank of Scotland
Ray Duggins, Chief Risk Officer, GE Capital - Consumer
Mark Hills, Chief Risk Officer, Citi Mortgage
David Malcolm, General Manager, Risk Products and Operations, Westpac Group
Dr. Andrew Jennings, Chief Research Officer, FICO
In today’s economy, tomorrow no longer looks like yesterday. This has repercussions for the use of predictive analytics, and has caused many firms to investigate new strategies for predicting customer behavior and optimizing results. Hear FICO’s analytic leaders and clients discuss the critical issues for analytics in a post-crisis world, and new directions for analytic performance.

Product Showcase: FICO Model Builder 7

Wednesday, 5:00 - 5:45pm

Andy Flint, Product Management, FICO

By better predicting customer behaviors and responses, you can increase the precision of your data-driven decision applications and substantially improve your bottom line. Designed from the modeler’s point of view, FICO Model Builder combines powerful automation with unprecedented control over the complete predictive modeling process. This session will feature the latest advances in FICO Model Builder 7.0, showing you how to visualize and explore predictive patterns, to formalize and refine patterns within scorecard models, to evaluate and compare model quality, and to swiftly deploy models into production.

Modeling the Drivers of Behavior

Thursday, 10:15 - 11:15am

Jeffrey Feinstein, Research, FICO
Do your customers each have a credit style? Some always pay late, but always pay. Some always pay late and always fall further behind. Understanding credit responsibility style and applying that to risk management practices is the fascinating topic of this discussion. Come listen to a new way of looking at credit risk.

Creating Optimized Strategies under Economic Uncertainty through Robust Optimization

Thursday, 11:45am - 12:45pm

Brendan Del Favero, Research, FICO
The volatile "reset” economy with its enhanced focus on economic uncertainty intensifies the challenges that analytic teams face when creating decision strategies and estimating their future performance. There is renewed interest in approaches such as robust optimization that take economic uncertainty into account when creating optimized decisions. Come join us to learn about the latest FICO research to leverage new analytic techniques to create robust strategies designed to deliver value over a range of economic scenarios. This is a technical session for individuals involved in analytics, optimization and operations research.

Preparing for an Uncertain Future: Economically Calibrated Analytics

Thursday, 3:30 - 5:00pm

Jeffrey Feinstein, Research, FICO
Zsolt Jaczko, Vice President, Methodology and Validation, Raiffeisen International Bank - Holding AG
Creating scoring systems that are responsive to economic changes continues be a necessity in today’s credit markets. Most decision-making systems must balance synthesizing recent consumer level information with a longer-term perspective from economic trends. FICO has recently developed methods for systematically incorporating economic data into scoring systems. This two-tiered system allows lenders to get the value of consumer-level scores while making adjustments for expected future economic scenarios. This session will discussed this latest research innovation, and demonstrate the approach and results from one lender’s application of economically calibrated analytics.

Product Showcase: FICO Xpress Optimization Suite 7

Thursday, 5:15 - 6:00pm

Oliver Bastert, Optimization Solutions, FICO
Companies around the world count on Operations Research professionals, analysts and consultants to find the best strategies and tactics for achieving desired multi-objective outcomes under complex operational constraints — otherwise known as business optimization. In industries as diverse as manufacturing, retail, transportation and finance, the FICO Xpress Optimization Suite solves large-scale optimization problems that were previously considered unsolvable. This session will show you:

• The new capabilities recently released in FICO Xpress 7
• How to solve bigger problems, design applications faster and make even better decisions in virtually any business scenario

Delivering New Insights with Tree Ensemble Models

Friday, 10:00 - 11:00am

Gerald Fahner, Research, FICO
Tree Ensemble Models are among the latest powerful predictive algorithms coming out of academic research. Do they have a role in business?  In this session, we will explain the technology and share our perspective on the advantages and possible drawbacks of TEMs. We will present case study results to demonstrate:

• How two different types of TEMs achieve their predictive power
• How TEMs generate relevant new insights and business value
• How such insights can add value to strategy and scorecard development
• What role we believe TEMs can play in improving your business

This is a technical session for individuals involved in data analysis and model development.
 

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Decision Management Technology

Workshop: 11 Secrets of Success with Business Rules in Banking and Insurance

Tuesday, 4:30 - 6:00pm

Riz Mithani, Solution Management, FICO
Willie Hall, Solution Management, FICO
When automating decisions, banking and insurance organizations need a platform for defining the policies and regulations that drive those decisions. However, it is not enough to pick the right technology. The technology must be applied in the right way. Based on decades of experience developing decision management applications, FICO has developed 11 steps to help your organization make the most of business rules. This workshop session shares these secrets by exploring real-world banking and insurance examples volunteered by audience participants. Workshop attendees will learn how to select the right application and development approach, ensure the right rules are written to deliver the expected impact, and also learn how to operationalize analytics and improve decisions.
Please note you will attend this Tuesday session when you register for FICO World.

FICO's Decision Management Architecture: A Platform for High Performance

Wednesday, 1:30 - 2:30pm

Deborah Kerr, Chief Technology Officer, FICO
Paul Daro, Product Development, FICO
For the past three years, FICO has been building a new Decision Management architecture for its applications, that will enable connected decisions across the enterprise and bring new analytic innovations to our clients' businesses. Many of the applications built on this new architecture are being released in 2010, making this the perfect time to see how innovations "under the covers" are bringing new performance to your Decision Management.

Product Showcase: FICO® Blaze Advisor®

Wednesday, 5:00 - 5:45pm

Riz Mithani, Solutions Management, FICO
For companies to be cost- and speed-competitive, the logic that drives business decisions can’t be buried inside individual software systems. It must be visible, easily modified by business and IT users, and usable by any application and channel. The FICO Blaze Advisor business rules management system (BRMS) delivers the precision, consistency and agility needed to automate your decisions. This session will show you how FICO Blaze Advisor can help you:

• Put business users in charge of the operational decisions that drive day-to-day transactions
• Build a partnership between business and IT and remove the lag caused when companies must wait for IT to make changes to information systems
• Reduce the cost of developing new decision applications by up to 50% and the maintenance of these applications by up to 80%

Deploying Decision Management
Across the Enterprise

Thursday, 3:30 - 5:00pm

Sanjay Tiwary, Chief Information Officer, NetQuote
Chris Collard, Services Architect, Dell Inc.
Bill Owen, VP of Global Decision Services, GE Capital
Henry Mirolyuz, Technical Analyst, Chubb Insurance
Michele Sprayregen Edelman, Director Strategic Information Services, Discover
Bill Waid, Decision Management Tools, FICO
Adoption of Decision Management typically starts with a single application but quickly becomes attractive for other areas across the enterprise. Learn best practices from a panel of industry practitioners that have moved from single department-level applications to multiple applications. Further, the panel will address the business and technical challenges faced when moving along the Decision Management adoption curve – from automation to business control, from control to better decisions, and from simulating the business impact of changes to achieving optimized decisions.

Next-Generation Decisions: Integrating Rules and Optimization

Friday, 10:00 - 11:00am

Alkis Vazacopoulos, Research, FICO
Don Griest, Decision Management Tools, FICO
The next step after automating business rules is to ask: Am I making the best possible decision? Rules technology—used to manage and update business practices and policies—offers tremendous efficiency gains, but those that stop there aren’t reaching the full potential of their business rules investments.  In this session, we will present how to use optimization to extend the gains made with BRMS by mathematically finding the “best” solution for a given decision. This involves advanced modeling of data and decision variables, while balancing constraints to meet your business objective—highest profit or lowest cost, for example. This is an important discussion for any company using business rules and looking to reach a new level of performance.

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