Agenda

Compared to strictly additive models, machine learning models can provide notable predictive lift when complex relationships are present in the data. But can we understand those relationships? Can we really understand what patterns and interactions are learned into these black box models? FICO has a variety of techniques to help you unlock the power of machine learning without sacrificing explainability.

Presenters:
Shafi Rahman, Principal Scientist, FICO
Arash Nourian, Senior Director Analytic Software, FICO

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: All

See our research into the potential of modernmachine learning techniques, and a blend of ML and scorecard technologies, to maximize the predictive power of the FICO Score subject to regulatory and explainability requirements. Our first case study benchmarks the U.S. FICO® Score against ML approaches and discusses explainability challenges with "unfettered" ML Principal models such as Gradient Boosted Decision Trees (GBDT). Our second case study concerns a recent development of a FICO® Score where we combined the raw power of GBDT (minimal bias/most accurate fit to the data) with the advantages of scorecard technology (ease of explanation) in a "best of both worlds" technology blend. This session shares experiences and methodologies that will be interesting to anyone who seeks to use ML to develop highly predictive yet explainable models.

Presenters:
Dr. Gerald Fahner, Senior Principal Scientist Scores, FICO
Ethan Dornhelm, VP Scores, FICO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Financial Services

FICO has worked with businesses around the world in their journey to gain Big Value from Big Data. Join us to review several success stories from multiple industries, from credit risk to manufacturing. We will illustrate the challenges of large, unfamiliar data sources, the various design choices made, and insights gained and various implementation considerations tackled along the way.

Presenters:
Mary Krone, Director Analytic Science, FICO
Peter Ould, Senior Consultant, FICO

Date and Time:
Tuesday, April 17th, 11:30 - 12:30 pm

Industry: All

Explainable AI is an area of high relevance across many industries facing the need to implement AI and ML-driven decisions that require transparency and a high degree of trust. Professor Sameer Singh of the University of California, Irvine will share the work of his group doing bleeding-edge research in this area. FICO’s Dr. Jari Koister will discuss the general directions in AI research at FICO.

Presenters:
Jari Koister, VP Product Management, FICO
Prof Sameer Singh, UC Irvine

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: All

Building machine learning models without substantial historical data or labeled data can be challenging. Outlier detection techniques are confounded by determining the corpus of live production data on which to derive measures of outlierness. We'll discuss the technique of collaborative profiling to identify the behavioral archetypes of the entities being monitored, from which clusters in archetype space are used to determine corpus for outlierness. In addition, entities themselves are constantly changing over time, making static distributions of probability densities are ineffective. We have developed self-calibrating analytic methods such as a multi-layered self-calibrating model (MLSC), which we will discuss in the context of cybersecurity, where both the lack of natural peer groups and lack of historical data makes MLSC-based techniques ideal.

Presenter:
Shafi Rahman, Principal Scientist, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industry: All

This session will cover FICO's new techniques for discovering associations on large-scale unstructured data. This exciting talk will describe how FICO has applied graph analytics in anti-money laundering schemes as well as in detection of illicit behaviors by a police department.

Presenter:
Osvaldo Driollet, Chief Scientist, FICO

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: All

Sources of "standard data" and even sources of "alternative data" have become a commodity. Hence, unlocking business insights from data is a basis for competitive advantage. Yet data has its limitations, especially in making inferences about motivations behind consumer behavior. In this session, we will illustrate how principles of behavioral analytics can be powerful in how you interact with your customers and create relationships that are long-standing and mutually beneficial.

Presenter:
Larry Rosenberger, Analytic Fellow, FICO
Guilherme Cerqueira, CEO, Worthix

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: All

Adopting an optimization mentality across an organization is a revolutionary concept, no matter what continent or industry you are in. While it’s a challenging mission, it can lead to an extraordinary payoff. Sustaining that payoff over time while keeping an analytic edge is an ongoing process that requires constant innovation. Hear from a panel of experts as they have a conversation about their journey through the optimization revolution, including lessons learned and advice to others. They will share innovation stories from the optimization trenches, as well as their perspectives on how optimization is a powerful weapon for leveraging exploding data and how optimization can facilitate a balance between human intelligence and artificial intelligence.

Presenter:
Mary Krone, Director Analytic Science, FICO (moderator)
Petr Kapoun, Head of Retail Risk, Ceska Sporitelna
Shannon MacDonald, Manager, Modeling and Segmentation Analytics, Canadian Tire Bank
Klaus Vogstad, Manager and Owner, WindFarm Design
Matt Stanley, VP Analytic Applications, FICO

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: All

We will explore how competition, customers and technology are creating opportunities to make improvements in areas such as marketing, acquisition, customer management, financial crime and advanced analytics. There are five core operational areas where every auto & motorized finance company needs to excel in order to be successful.

Presenters:
Steve Hathaway, Mercedes Benz Financial Services USA, Sr. Manager, Risk Instruments
Marguerite Watanabe, Connections Insights, President
Ken Kertz, Sr. Director, Automotive Practice, FICO

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industry: Automotive Finance

Artificial Intelligence (AI) and Machine Learning (ML) are hot topics these days, yet theory and practice are still evolving. In this panel discussion, analytics and credit-risk executives from several auto finance companies will share their latest learnings and thinking on how innovative organizations are positioning themselves for the next frontier of analytics.

Presenters:
Gautam Puranik, Marketing And Analysis, CarMax Auto Finance
Jim Moynes, Ford Credit, VP Credit Risk, Americas
Seth Silverstein, Ally Financial Services, Chief Modeling and Analytics Officer
Shafi Rahman, Principal Scientist, FICO
Matt Stanley, Vice President, FICO (Moderator)

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Automotive Finance

The future of the automobile and the way in which we utilize transportation are quickly evolving - this impacts the auto makers, dealerships, and finance companies alike. In this panel session, CEOs in the auto financing space will discuss how the industry will need to modify its strategies, programs and policies as well as technology and tools to be prepared for what lies ahead.

Presenters:
Andrew Stuart, President and CEO, TD Auto
Marguerite Watanabe, President, Connection Insights
Kevin Cullum, President, CEO, NMAC Nissan Motor Acceptance
Jon Daniels, President, CarMax Auto Finance

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: Automotive Finance

Cyber criminals increasingly sophisticated attacks have made personal information a commodity. As a result, fraud and money laundering are on a meteoric rise. These identity-based threats have created a disproportionate risk in auto finance and other financial products that were previously buffered by criminals' traditional focus on card fraud. Join FICO's leading experts to learn about the state of the union and recommended best practices to protect against data breaches, synthetic fraud, identity theft, and money laundering while still delivering a great experience to your customers.

Presenters:
Liz Lasher, Vice President, FICO
Jason Keegan, Vice President, FICO
Alex Sarafian, SVP Consumer Risk, GM Financial
Frank Holzenthal, Sr. Director, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Automotive Finance

A research study was conducted by FICO to better understand how consumers in the US and abroad view the automotive finance experience. This session will share key findings from the research that are reshaping how automotive finance professionals do business with the consumer of tomorrow. To add color, two industry executives will add their perspective - one focused on dealerships, and one focused on the holistic customer experience.

Presenters:
Kathy Ruble, Ally, Executive Director, Dealer Communications
Ben Werner, Director, FICO
Bob Beatty, EVP North America Customer Experience, GM Financial

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: Automotive Finance

See our research into the potential of modernmachine learning techniques, and a blend of ML and scorecard technologies, to maximize the predictive power of the FICO Score subject to regulatory and explainability requirements. Our first case study benchmarks the U.S. FICO® Score against ML approaches and discusses explainability challenges with "unfettered" ML Principal models such as Gradient Boosted Decision Trees (GBDT). Our second case study concerns a recent development of a FICO® Score where we combined the raw power of GBDT (minimal bias/most accurate fit to the data) with the advantages of scorecard technology (ease of explanation) in a "best of both worlds" technology blend. This session shares experiences and methodologies that will be interesting to anyone who seeks to use ML to develop highly predictive yet explainable models.

Presenters:
Dr. Gerald Fahner, Senior Principal Scientist Scores, FICO
Ethan Dornhelm, VP Scores, FICO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Financial Services

Two seasoned third party professionals working in different continents with the same goal: keep the collector, client and consumer happy. If you do this, everything else falls into place, right? Not so much. Learn the role that system upgrades, technology, configurability, millennial behavior and most of all, analytics play in successfully strategizing to collect more.

Presenters:
Thorsten Roescher, Director Pre-Sales Consulting, FICO
Jewel Vu-Sheridan, Senior Director Collections and Recovery Product Management, FICO
Adam Parham, Director, Application Services, Williams and Fudge
Anders Wallin, CIO, Hoist Finance

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: Financial Services

No matter how manual or advanced you are in your collections approach, there's always room to test, grow and improve. Learn how two organizations are using innovative thinking, technology, data and analytics to segment accounts and become more customer centric in their collections approach. If you want to get started with collections automation or make better use of your customer collections data, this session is for you.

Presenters:
Ryan Burton, Analytics Manager, CAPITAL Services
Matt Nissen, Senior Data Scientist, CAPITAL Services
Sumeet Bhalla, Senior Vice President and Chief Credit Risk Officer, PenFed Credit Union
Junaid Kazi, Senior Manager, Product Management, FICO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30pm

Industry: Financial Services

When organizations collecting debt are able to identify the critical challenges in a debtor's journey, understand the issues and deliver a solution, payments increase and loyal customers are created. When this is done via a 24/7 self-service portal, the ROI soars. Learn how Bank Zachodni has turned art into science in the collection of delinquent debt.

Presenters:
Bruce Curry, Senior Director Pre-Sales Consulting, FICO
Robert Pikula, Head of Recovery Area, Bank Zachodni WBK S.A.
Thorsten Roescher, Director Pre-Sales Consulting, FICO
Boguslaw Brudlo, Head of Retail and SME Recovery Department, Bank Zachodni WBK S.A.

Date and Time:
Wednesday, April 18th, 4:30 - 5:30pm

Industry: Financial Services

A leading European bank has increased the production of debt consolidation loans by 51% year-over-year and delivered a radically more convenient experience to their customers. Join this session to learn how they did it and what they learned along the way.

Presenter:
Zuzana Sloukova, Head of Retail Credit Risk Analytics at Ceska
Petr Kapoun, Head of Retail Risk, Ceska
Marc Drobe, Director, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Financial Services

When implementing a new loan origination system, the path of least resistance is simply to rebuild your existing business processes in the new system. One of our clients took a different, more challenging approach. They redesigned their small business credit card origination process to capitalize on the origination capabilities available in the market and deliver a significantly simpler and more engaging experience for their customers. The result has been an origination process, infused with automation and self-service communication capabilities, that has enabled the bank to wildly outperform their most optimistic ROI projections. Join this session to learn how they did it.

Presenter:
Mark Ford, SVP, Head of Bankcard, SunTrust
Scott Watkins, SVP, CTO Consumer Lending, SunTrust

Date and Time:
Wednesday, April 18th, 11:00 am - 12:00 pm

Industry: Financial Services

Freedom Financial provides a special service for their customers — the lender helps customers consolidate and ultimately eliminate debt. Behind the scenes, the analytics team applies innovative analytic approaches to address complex challenges associated with biased data. Hear Freedom's VP of Credit Risk Analytics talk about how their unique performance inference framework and other novel modeling techniques help build stronger analytics, allowing the business to grow responsibly in an increasingly competitive market.

Presenter:
Freddie Hunyh, Freedom Financial
Lamar Shahbazian, Senior Director Analytics, FICO
Freddie Hunyh, Vice President of Credit Risk, Freedom Financial

Date and Time:
Tuesday, April 17th, 11:30 - 12:30 pm

A common theme in financial services industry is that every function has its own way to making decisions. African Bank recognized that this approach not only inhibits efficiency, but also limits profitability and slows down the process of deploying new strategies throughout the business. Join this session to hear how they adopted a centralized decisioning platform starting in originations, and are now deploying it across the bank. African Bank will show how this approach is turning losses into profits by accelerating strategy changes and boosting champion/challenger testing.

Presenter:
Vere Millican, Group Executive | Credit, Direct Marketing and Data, African Bank
Dawid van Zyl, Programme Executive Credit Decisioning, African Bank
Gediminas Vedrickas, Director Technology Consulting, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Financial Services

The proliferation of analytic models to make credit and other customer-level decisions profoundly impacts bottom-line results for banks. However, the growth explosion carries with it additional risk that model quality can degrade quickly as business and market conditions shift. So who’s managing the models? This session talks about how Chile's CAT applies a cutting-edge model management system to continually operate at peak performance, and the implications this has for staff, customers and regulators.

Presenter:
Claudia Guerrero, CAT Administradora de Tarjetas S.A
Alexandre Nardy Soares, Director Latin American Sales, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Financial Services

Tesco Bank, the financial services arm of the UK's largest grocer, is using machine learning to accelerate and improve customer treatments while reducing adverse outcomes, including fraud loses and false positives. Hear Tesco Bank’s Analytics Director Matt Cross and FICO CAO Scott Zoldi talk about how patented profiling technology from FICO is being used to deploy unsupervised modeling and anomaly detection in multiple areas across the business, and the early results from this effort.

Presenter:
Scott Zoldi, Chief Analytics Officer, FICO
Matt Cross, Analytics Director, Tesco Bank

Date and Time:
Wednesday, April 18th, 11:00 am - 12:00 pm

Industry: Financial Services

National Australia Bank has been on a transformative journey to uplift the capability to optimize their home lending portfolio. The latest step in this journey has been to incorporate an advanced pricing platform based on FICO’s optimization solutions in the cloud, which has enabled them to carefully balance volume and margin objectives under an increasingly restrictive regulatory environment. In this session, learn how they have empowered business users to harness the complexity of advanced analytics and optimization as part of their pricing processes.

Presenter:
Joanne Gaskin, Senior Director Mortgage Practice, FICO
Evan Robinson, Principal Consultant, FICO
Josh Brougham, Head of Pricing & Analytics, National Australia Bank

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: Financial Services

Putting the customer at the center of fraud protection is a goal for many institutions. Hear from Turkish banking leader Garanti on how they achieved true Enterprise Fraud Management with the FICO Falcon Platform. This presentation will show how they manage cards, retail banking, call centers, non-monetary transactions, and application fraud.

Presenter:
Liz Lasher, VP Fraud and Protection, FICO
Kerem Özdamar, Risk Analysis Manager, Garanti

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Financial Services

UBS Card Center processes roughly 25 percent of the credit cards in Switzerland. Learn how they succeeded in 2016 with their ambitious goal to cut fraud write-offs and reduce false positives without increasing staff levels. Machine learning, including FICO’s Adaptive Analytics, and a great deal of human common sense, helped them stop 74% more fraudulent transactions in 2016 than in 2015, saving potential losses of CHF172 million (about $180 million). In addition, learn how Mastercard gained economies of scale by standardizing customer communication strategies while allowing the flexibility to support the business processes of each individual financial institution.

Presenter:
Marcel Drescher, Head of Fraud Services, UBS Card Center
Lori Cardinale, Mastercard

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services

Three years ago ELO introduced a new card to the Brazilian market. Now with more than 100 million cards issued they've turned to the FICO® Falcon® Platform to protect themselves from fraud losses while preserving the consumer experience.

Presenter:
Eduardo Chedid, Chief Executive Officer, ELO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Financial Services

Technology, regulation and rapidly evolving banking interactions are transforming fraud and financial crime defenses. Learn how FICO is working to apply cloud computing that helps fraud and compliance professionals work together to mutually benefit from a converged approach. This session will also cover the integration of new data types, contextual analysis and machine learning analytics to craft payment fraud strategies that can also encompass a range of other needs including anti-money laundering and employee fraud detection.

Presenters:
Gabriel Hopkins, VP Fraud Solutions, FICO
TJ Horan, VP Fraud Solutions, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Financial Services

Learn from a panel of financial crimes experts as they discuss the role of fraud and risk control in an environment designed for optimal consumer experiences. From originations to transaction verification, you'll hear a wide range of perspectives on emerging fraud risk trends that will shape enterprise fraud strategies over the next three years.

Presenter:
Liz Lasher, VP Fraud and Protection, FICO
Matt Powell, Head of Global Consumer Fraud, Citi
Vince Haulotte, Director, Global Fraud Product Management, MasterCard
Mary-Helen McElfresh, Fraud Solutions Executive, FICO

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: Financial Services

Consumer demand for faster money movement and omni-channel banking interactions have driven many financial institutions to adopt a "digital-first" approach to innovation. This session will focus on real-time payment initiatives and how the Falcon Platform can help you adapt your fraud detection strategies in order to keep pace with rapid advances in the consumer experience.

Presenter
Adam Davies, Senior Director Fraud Consulting, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industry: Financial Services

AML compliance in the Fintech industry is an emerging and quickly evolving field. That poses a significant challenge for multinational companies having to navigate a myriad of regulations while trying to preserve the core business model. We will share our story on how we found an efficient compliance solution in the cloud. FICO Decisions Awards winner.

Presenter:
Frank Holzenthal, Senior Director Compliance Solutions, FICO
Andis Grandans, AML Officer, 4Finance

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: Financial Services

IFRS 9 and CECL are accounting requirements, but they will have a huge impact on decision strategies across the credit lifecycle, as well as key business planning processes such as budgeting and stress testing. This session features an interactive discourse between risk and finance representatives, highlighting the value of collaborating to manage the strategic impact of these new requirements. The session will spotlight a recent use case.

Presenters:
David Binder, Senior Director, Advanced Ventures, FICO
Lynda Woodward, Senior Director, Advanced Ventures, FICO
Paul Robinson, AVP, Credit Risk Management, Canadian Tire
Jarrett Smith, Associate Vice President, Accounting and Reporting, Canadian Tire Bank

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Financial Services

The Second Payment Services Directive (PSD2) affects all banks and payment service providers operating in the European Union. Its aims include increasing competition in retail banking by opening up bank account information and payments to authorised third parties, and reducing fraud by mandating the use of strong customer authentication. The session will include a focus on understanding how PSD2 impacts the fraud department and the accompanying compliance requirements. Experts will highlight best practices for using transaction risk analysis and improved communication services to keep payments secure and customers happy.

Presenters:
Matt Cox, Senior Director, Fraud Consulting, FICO
Jonathan Williams, Principal Consultant, M2k Consulting

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industry: Financial Services

Successful collections efforts require a firm understanding of the regulatory landscape and a strategy to navigate its many challenges. In this panel discussion, a regulatory expert and seasoned collections professionals will discuss the hot-button regulatory topics of the day, including the Telephone Consumer Protection Act and developments in U.S. federal and state collections policy. Experts will highlight how they use technology and best practices to stay compliant, maximize profitability and preserve the customer relationship.

Presenters:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Andrew Smith, Partner, Covington & Burling
John Craven, Director of Operations, Cox Communications
Maureen Whelan, Senior Vendor Manager, US Cellular

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: Financial Services

You want to call/text your customers to deliver fraud warnings, customer service or debt collection information, but the myriad interpretations of the continued uncertainty in the aftermath of the recent court decision related to the Federal Communication Commission’s (FCC) 2015 Telephone Consumer Protection Act Order makes that risky. Do you need customer consent or are there exceptions for non-telemarketing purposes? And, what if your caller-ID has been flagged or blocked by a call-blocking service, which has been encouraged by a new FCC order? Experts will discuss the current regulatory landscape, profitable customer communication strategies and how to navigate a new rapidly developing services industry to help protect your brand from improper classification.

Presenter:
Adam Barrett, Director Product Management, FICO
Vance Gudmundsen, VP, Regulatory Counsel, FICO

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Financial Services

More than 3 billion adults around the world have little or no banking relationship, and very little access to credit. How can we help them get the credit they deserve? A panel of experts will share best practices and lessons learned from innovative projects around the world leveraging emerging alternative data to expand credit access.

Presenter:
Sally Taylor-Shoff, VP Scores, FICO (moderator)
Loubna Bazine, CEO, FriendlyScore
Ankush Tewari, Senior Director, Market Planning, LexisNexis Risk Solutions
Funda Coşkun, Head of Retail Loan Origination, Aktifbank
Anat Hoida, Practice Lead, EMEA, FICO

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industries: Financial Services, Telecommunications

Affordability is a key concern in many credit markets, none more so than the UK, where regulators are focused on helping borrowers with “persistent debt”. In account management decisions, lenders will need to assess a customer’s ability to absorb additional debt. FICO has applied advanced methods of counterfactual analysis, AI/machine learning and model explanation to Equifax data to create an expanded, forward-looking view of the consumer. This new technology identifies which customers would have a significant change in their likelihood to default if they had a sizeable increase in their total credit card balances. In this session, we will explain the concepts of this new technology, share R&D results and discuss how this analytic could be used with a traditional risk score to help you address compliance requirements and control affordability risk.

Presenter:
Dr. Gerald Fahner, Senior Principal Scientist, Scores, FICO

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industries: Financial Services

Does regular consumer access to FICO® Scores influence financial knowledge and behavior? Findings from a new academic research study based on 400,000 student loan borrowers shed new light on this topic and the opportunities for lenders that give their customers score access.

Presenter:
Jenelle Dito, Principal Consultant, Scores, FICO
Rourke O'Brien, Assistant Professor Public Affairs, University of Wisconsin Madison
Kelly Christiano, SVP, Sallie Mae

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industries: Financial Services

The FICO® Score team has done deep dives into many of the latest topics of interest, including state-of-the-art AI and machine learning in the development of credit risk scores, trended credit bureau data and more. Which are impactful innovations and which don’t live up to the hype? Review our findings and decide for yourself!

Presenter:
Ethan Dornhelm, VP Scores, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industries: Financial Services

FICO® Scores assess default likelihood under “normal” conditions — but economic variability can cause shifts in the score distribution as well as the odds-to-score relationship. In this session we will compare credit bureau data from the Great Recession in the United States to a stable economic period, and highlight new and actionable insights into consumers’ sensitivities to such economic fluctuations. Join us to look at:

• Application of counterfactual analysis and machine learning to rank-order consumers’ sensitivities
• Consumer segmentation by economic sensitivities
• Sensitivity profiling revealing interesting differences between the most and the least sensitive consumers
• How you can put “economic shock absorbers” under your lending strategies
• Improving the accuracy of portfolio simulations under varying economic conditions

Presenters:
Dr. Gerald Fahner, Senior Principal Scientist Scores, FICO
George Shand, Senior Director Scores, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industries: Financial Services

Learn how FICO® Score consumer solutions are helping lenders further engage with their customers and assist them in their financial health journey.

Presenter:
Geoff Smith, VP B2C Scores, FICO
Laks Vasudevan, VP, Products and Innovation, Discover Financial Services
Chris Feathers, SVP, Wells Fargo

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: Financial Services

APAP, the 4th largest financial institution of Dominican Republic, has leveraged FICO's decision management and analytics capabilities to bring a radical level of automation to their historically manual origination, account management and collections processes. Join this session to learn how they partnered with FICO to succesfully drive this transformational project forward.

Presenter:
Jesus Cornejo, CRO of APAP

Date and Time:
Thursday, April 19th, 9:00 – 10:00 am

Industry: Banking

Two seasoned third party professionals working in different continents with the same goal: keep the collector, client and consumer happy. If you do this, everything else falls into place, right? Not so much. Learn the role that system upgrades, technology, configurability, millennial behavior and most of all, analytics play in successfully strategizing to collect more.

Presenters:
Thorsten Roescher, Director Pre-Sales Consulting, FICO
Jewel Vu-Sheridan, Senior Director Collections and Recovery Product Management, FICO
Adam Parham, Director, Application Services, Williams and Fudge
Anders Wallin, CIO, Hoist Finance

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: Financial Services

No matter how manual or advanced you are in your collections approach, there's always room to test, grow and improve. Learn how two organizations are using innovative thinking, technology, data and analytics to segment accounts and become more customer centric in their collections approach. If you want to get started with collections automation or make better use of your customer collections data, this session is for you.

Presenters:
Ryan Burton, Analytics Manager, CAPITAL Services
Matt Nissen, Senior Data Scientist, CAPITAL Services
Sumeet Bhalla, Senior Vice President and Chief Credit Risk Officer, PenFed Credit Union
Junaid Kazi, Senior Manager, Product Management, FICO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30pm

Industry: Financial Services

If you think you can't relate to or learn from a government collector's shop, think again. This panel, made up of collection experts with more than 80 years’ experience, works with different programs, timeframes, workflows, regulations, debt types, compliance requirements, amnesty programs and more. Each streamlining the collections process, creating efficiencies and best practices that even in early stages, show extraordinary ROI.

Presenters:
Jewel Vu-Sheridan, Senior Director Collections and Recovery Product Management, FICO
Rob Robb, Director Government Sales, FICO
Anthony Fugett, Director, Central Collection Unit, Department of Budget and Management, State of Maryland
Carol Trisko, Project Director for IT Replacement System, State of Washington
Jim Pugh, Program Analyst, Maximus

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Government

When organizations collecting debt are able to identify the critical challenges in a debtor's journey, understand the issues and deliver a solution, payments increase and loyal customers are created. When this is done via a 24/7 self-service portal, the ROI soars. Learn how Bank Zachodni has turned art into science in the collection of delinquent debt.

Presenters:
Bruce Curry, Senior Director Pre-Sales Consulting, FICO
Robert Pikula, Head of Recovery Area, Bank Zachodni WBK S.A.
Thorsten Roescher, Director Pre-Sales Consulting, FICO
Boguslaw Brudlo, Head of Retail and SME Recovery Department, Bank Zachodni WBK S.A.

Date and Time:
Wednesday, April 18th, 4:30 - 5:30pm

Industry: Financial Services

Last year, Dish Network perfected back-end account placements which resulted in an average monthly charge-off reduction of just under $10M. This year, they're focusing on optimizing placement strategy, and expect to have the same kind of dramatic results they've seen in account placement. In this session you'll learn how Dish has gone from simple automation to optimization and agency management, creating impressive ROI statistics and creating a best practices environment along the way.

Presenters:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Sara Grabowski, Director of Operations, Dish Network

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Telecommunications

A leading European bank has increased the production of debt consolidation loans by 51% year-over-year and delivered a radically more convenient experience to their customers. Join this session to learn how they did it and what they learned along the way.

Presenter:
Zuzana Sloukova, Head of Retail Credit Risk Analytics at Ceska
Petr Kapoun, Head of Retail Risk, Ceska
Marc Drobe, Director, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Financial Services

When implementing a new loan origination system, the path of least resistance is simply to rebuild your existing business processes in the new system. One of our clients took a different, more challenging approach. They redesigned their small business credit card origination process to capitalize on the origination capabilities available in the market and deliver a significantly simpler and more engaging experience for their customers. The result has been an origination process, infused with automation and self-service communication capabilities, that has enabled the bank to wildly outperform their most optimistic ROI projections. Join this session to learn how they did it.

Presenter:
Mark Ford, SVP, Head of Bankcard, SunTrust
Scott Watkins, SVP, CTO Consumer Lending, SunTrust

Date and Time:
Wednesday, April 18th, 11:00 am - 12:00 pm

Industry: Financial Services

This presentation will provide insights from the telecommunications industry on the challenge of retaining customers while maintaining the appropriate balance between risk and profitability in a market increasingly characterized by low margins and intense competition.

Presenter:
Mike McCabe, Director of Credit Risk, Sprint

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: Telecommunications

Financial institutions are increasingly interested in leveraging automated decisioning technology and online platforms to cost-effectively grow their small and medium (SME) business loan portfolios. Consequently, competition in the SME lending space is increasing and lenders of all sizes are contemplating how aggressive they want to be in their acquisition efforts. This panel will feature a discussion among small buisness lenders that will outline best practices for safely growing SME loan portfolios.

Presenter:
Chris Miller, VP - Analytics, Ascentium
David Smith, FICO Moderator
Mary Dupont, FICO Panelist
Angela Baker, SunTrust

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services

Does this sound familiar? The acquisition team is looking to grow, to take more risks. The credit team is looking to gather more insights - when and how they achieve this is evolving and important. The collections team is trying to minimize losses. All teams are trying to move faster and be more efficient. How do you balance these conflicting goals and maximize overall profitability? This panel discussion explore the challenge, and value, of developing an interconnected strategy for balancing credit risk and profitability across the credit lifecycle.

Presenter:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Carmine Maurizio, Sr. Manager, Telus
Chris Hooppaw, VP of Credit Risk, T-Mobile
Nikolaos Chourdakis, Customer Finance Director, OTE Group

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services, Telecommunications

APAP, the 4th largest financial institution of Dominican Republic, has leveraged FICO's decision management and analytics capabilities to bring a radical level of automation to their historically manual origination and account management processes. Join this session to learn how they partnered with FICO to succesfully drive this transformational project forward.

Presenter:
Jesus Cornejo, CRO, APAP

Date and Time:
Thursday, April 19th, 9:00 – 10:00 am

Industry: Banking

In partnership with FICO, Lloyds Banking Group recently implemented a new customer management platform to improve their ability to meet customers' retail credit needs. This was a major strategic program at Lloyds, combining leading technology with a move to customer-centric decisioning. In this session, Lloyds will explain the business imperatives driving the program, the benefits to both the bank and its 25m retail customers, and where the bank is going next.

Presenter:
Chris Keeling, Head of Retail Decision Technology, Lloyds Banking Group
Bruno Courbage

Date and Time:
Tuesday, April 17th, 11:30 - 12:30 pm

Industry: Financial Services

Banks across the globe are looking to reward their best customers with the best offers across the entire product suite. However, given organizational silos, P&L complexities and data limitations, banks are implementing "relationship-based pricing" strategies, where each product team provides offers on their products with a simple check on the customer's relationship with the bank. In this presentation, we will discuss the pathway to achieving true customer-centric pricing across retail bank products. Leveraging a platform-based approach, we will discuss how analytics and technology can intersect to help identify customer-level, cross-product price sensitivities, optimize customer-level prices across products and support effective balance sheet management.

Presenter:
Matt Stanley, Analytic Segment Leader

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: Financial Services

What are the emerging trends in cybercrime worldwide, and how are organizations responding to protect themselves? New research undertaken by independent research company Ovum and sponsored by FICO sheds new light on this area. Join this first-ever presentation of the results from our 2018 survey, which will also feature the perspective and field observations of cybersecurity expert Lou Cirillo from Innovus.

Presenter:
Lou Cirillo, Innovus
Maxine Holt, Ovum
Julie May, VP Cybersecurity, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: All

Cyber breach insurance is growing rapidly, but the way that carriers underwrite and price risk is not well understood. As cyber incidents and cyber threats continue to dominate the headlines, cyber risk awareness is permeating organizations and accountability for security is being driven to all levels and roles in the organization - including yours. This session will reveal key correlations between conditions, behaviors, and cyber risk. The panel will discuss how these correlations are revealed in cyber ratings and how these ratings are beginning to impact the process of cyber risk underwriting and the pricing of risk.

Presenter:
Doug Clare, VP Cybersecurity, FICO
Josh Ladeau, CISSP, Global Head of Cyber, Aspen Insurance
Sasha Romanosky, Policy Researcher, Rand Corporation
Dr. Mingyan Liu, Professor of Electrical Engineering & Computer Science, University of Michigan

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: All

Understanding the cybersecurity posture of your organization is important for your CISO and for the rest of the board. FICO’s CISO will tell you how a score that takes a long-term view has helped him at FICO. By reviewing different business cases, we will also uncover why procurement, mergers and acquisitions, treasury, sales and credit risk teams also need to take cybersecurity posture into account.

Presenter:
Hilik Kotler, Chief Information Security Officer, FICO
Sidhartha Dash, Research Director, Chartis

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: All

Identifying risks has become an obsession for security professionals. The security market is literally clogged with pen testers, dark-web researchers, network and endpoint monitoring companies, and threat feed suppliers who are eager to flood your inbox with the longest possible list of issues for triage and review. This leaves security professionals with the impossible task of prioritizing identified risks and aligning resources to those that really matter. This session will focus on the emerging science of separating cyber signal from noise, and how that science is improving our ability to discern risk at both the asset (endpoint, user, website) and aggregate (enterprise) level.

Presenter:
Doug Clare, VP Cybersecurity, FICO
Paul Martini, CEO, iboss

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: All

Freedom Financial provides a special service for their customers — the lender helps customers consolidate and ultimately eliminate debt. Behind the scenes, the analytics team applies innovative analytic approaches to address complex challenges associated with biased data. Hear Freedom's VP of Credit Risk Analytics talk about how their unique performance inference framework and other novel modeling techniques help build stronger analytics, allowing the business to grow responsibly in an increasingly competitive market.

Presenter:
Freddie Hunyh, Freedom Financial
Lamar Shahbazian, Senior Director Analytics, FICO
Freddie Hunyh, Vice President of Credit Risk, Freedom Financial

Date and Time:
Tuesday, April 17th, 11:30 - 12:30 pm

Industry: Financial Services

A common theme in financial services industry is that every function has its own way to making decisions. African Bank recognized that this approach not only inhibits efficiency, but also limits profitability and slows down the process of deploying new strategies throughout the business. Join this session to hear how they adopted a centralized decisioning platform starting in originations, and are now deploying it across the bank. African Bank will show how this approach is turning losses into profits by accelerating strategy changes and boosting champion/challenger testing.

Presenter:
Vere Millican, Group Executive | Credit, Direct Marketing and Data, African Bank
Dawid van Zyl, Programme Executive Credit Decisioning, African Bank
Gediminas Vedrickas, Director Technology Consulting, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Financial Services

Attend this fascinating session to learn how two FICO Decision Award winners, Harry-Brot and WindFarm Designs, are solving incredibly complex challenges with mathematical optimization - while liberating business users from spreadsheets and accelerating the pathway to smarter decisions. In this session, you'll learn how Harry-Brot was able to optimally assign products to different product lines based on various logistical and cost parameters while empowering business teams to dynamically adjust and fine-tune production processes. And WindFarm designs, a true innovator in wind energy, is using optimization to solve a centuries-old problem of optimally placing wind turbines in the right locations to maximize performance against various constraints.

Presenters:
Stephan Westphal, Asolvo
Martin Dahmen, Asolvo
Oliver Bastert, Vice President Optimization Solutions, FICO
Klaus Vogstad, CEO, WindFarm Designs

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Energy

While rules and scoring are essential to improving debt collection and rehabilitation, online retailer Shop Direct decided to "take it to the next level" to increase collections while reducing expenditures. They turned to sophisticated but easy-to-use decision optimization to supercharge champion/challenger testing, and empower business users to apply statistical science to balance multiple constraints and ultimately boost results. *FICO Decisions Awards Winner

Presenter:
Mark Harrison-North, Head of Risk Strategy, Shop Direct
Jen East, Director Analytic Consulting, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industry: Retail

The proliferation of analytic models to make credit and other customer-level decisions profoundly impacts bottom-line results for banks. However, the growth explosion carries with it additional risk that model quality can degrade quickly as business and market conditions shift. So who’s managing the models? This session talks about how Chile's CAT applies a cutting-edge model management system to continually operate at peak performance, and the implications this has for staff, customers and regulators.

Presenter:
Claudia Guerrero, CAT Administradora de Tarjetas S.A
Alexandre Nardy Soares, Director Latin American Sales, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Financial Services

Tesco Bank, the financial services arm of the UK's largest grocer, is using machine learning to accelerate and improve customer treatments while reducing adverse outcomes, including fraud loses and false positives. Hear Tesco Bank’s Analytics Director Matt Cross and FICO CAO Scott Zoldi talk about how patented profiling technology from FICO is being used to deploy unsupervised modeling and anomaly detection in multiple areas across the business, and the early results from this effort.

Presenter:
Scott Zoldi, Chief Analytics Officer, FICO
Matt Cross, Analytics Director, Tesco Bank

Date and Time:
Wednesday, April 18th, 11:00 am - 12:00 pm

Industry: Financial Services

National Australia Bank has been on a transformative journey to uplift the capability to optimize their home lending portfolio. The latest step in this journey has been to incorporate an advanced pricing platform based on FICO’s optimization solutions in the cloud, which has enabled them to carefully balance volume and margin objectives under an increasingly restrictive regulatory environment. In this session, learn how they have empowered business users to harness the complexity of advanced analytics and optimization as part of their pricing processes.

Presenter:
Joanne Gaskin, Senior Director Mortgage Practice, FICO
Evan Robinson, Principal Consultant, FICO
Josh Brougham, Head of Pricing & Analytics, National Australia Bank

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: Financial Services

How does one of the world's most consistently profitable airlines keep one step ahead? With optimization, of course. Over the past 15 years, they've applied optimization across the board, from crew scheduling and fuel tankering to assigned gates and disruption recovery. In this session, you'll learn about some amazing new analytic innovations they're deploying to help ensure they keep expanding their edge. FICO Decisions Awards winner

Presenter:
Richard Madrid, Southwest Airlines
Zahir Balaporia, Partner, Decision Management Suite, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Transportation

Amazon bills itself as Earth's most customer-centric company. Behind the scenes, they accomplished this by building out their analytic enterprise with optimization. Join Amazon's Tim Jacobs to hear a some examples of how the company uses optimization to solve their toughest challenges.

Presenter:
Tim Jacobs, Director Research Services, Amazon

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: All

Several years ago, Vantiv adopted FICO Decision Management Suite as their merchant onboarding platform, which has helped them rapidly boost their underwriting efficiency and automation. In January of this year, they joined forces with Worldpay to create a new global force omni-commerce payments leader. Join this exciting session to learn how the combined organization will use the FICO platform to continue to increase decision automation, and provide “underwriting as a service” for their clients’ consumers.

Presenter:
Senthil Erulappan, Leader, Technology - Merchant Onboarding | Risk & Compliance | Fraud Platforms, Worldpay
Scott Price, Associate Product Manager, Customer Acquisition, Worldpay
Seth Steinberg, Partner, Decision Management Suite, FICO

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services

The power of decisioning technologies has never been greater. The combination of decisioning and optimization can deliver a highly adaptive, automated, real time customer engagement and treatment engine that can yield significant benefits beyond decisioning or optimization alone. Discover how you can merge and meld these two technologies into powerful optimized strategy deployment solutions!

Presenters:
Neill Crossley, Senior Director, Analytics, FICO
Fernando Jorge, Senior Director, Product Management, FICO

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: All

FICO Blaze Advisor and Decision Modeler have been at the forefront of revolutionizing the way businesses operationalize analytics in decisions for decades. Discover the new features and capabilities in these decisioning solutions, and get a sneak peek into the future of decision-making systems; a future of fully integrated decisions, analytics, execution, reporting and management.

Presenter:
Fernando Jorge, Senior Director, Product Management, FICO

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: All

The introduction of the FICO platform solution a few years ago was largely focused on delivering an easier, faster and more agile way to deliver analytics, decision rule, and optimization capabilities into business applications. Along the way, we have had tremendous new insights into how analytics and decision management, coupled with an enterprise platform approach, can improve customer focus across the lifecycle. Discover how you can use these insights and the FICO Decision Management Suite to put customers at the center of your digital transformation.

Presenters:
Benjamin Baer, Senior Director Product Marketing, FICO

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: All

How can you leverage the power of a platform to transform your decision management? Find out in this update on the revolutionary FICO Decision Management Platform. We’ll explore the power and utility of the Analytic Data Mart and Spark execution, and show you how you can centralize and deliver intelligent services across the entire customer lifecycle.

Presenter:
Jeremy Chen, Director Product Management, FICO

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: All

Data lakes don't have to be complex to combine multiple data sources and to leverage those data sources for decisions, analytics and governance. This session will demonstrate how data can be organized in a data lake using a data cataloguing tool that tracks all data, whether in operational data stores or in Hadoop. With an organized data catalog, data scientists and business analysts can get self-service data access from the data lake directly into their analytics tools.

Presenter:
Rohit Valia, Senior Director Product Management, FICO

Date and Time:
Thursday, April 19th, 9:00 – 10:00 am

Industry: All

Developing effective predictive scorecards is critical to running your business. In FICO’s new Analytics Workbench, we have reimagined the scorecard experience to make it even faster and easier to create powerful, palatable models. And with advanced machine learning and deep learning techniques at their fingertips, users can build, deploy and explain ever-stronger prediction machines. Come learn how your analysts, your models, and your business can benefit from this comprehensive new workbench for data science.

Presenters:
Andy Flint, Senior Director Product Management, FICO
Lamar Shahbazian, Senior Director Product Management, FICO

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: All

Two of the hottest trends in analytics, decision optimization and machine learning, are increasingly intersecting — but when is one the right choice, and how do you best use them in combination? This session will cover when optimization techniques originating from operations research are the better solution and when it is beneficial to apply machine learning. This session will also describe how complex, high-value business problems can be solved more effectively by combining the techniques, rather than just using one.

Presenters:
Jari Koister, VP Product Management, FICO
Oliver Bastert, VP Optimization Product Management, FICO

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: All

FICO Xpress Optimization is the most advanced toolset for building optimization solutions, and supports a wide range of users, including operations researchers and data scientists, web application developers, business analysts, managers and even executives. Xpress has industry-leading solver technologies and modelling languages, APIs, integration with a wide range of data and languages, integrated development environments and rapid application development. Learn how FICO's optimization solutions, including the newest release of Decision Optimizer, can help you deliver better decisions, better strategies and better results.

Presenters:
Neill Crossley, Senior Director, Analytics, FICO
Oliver Bastert, VP Optimization Product Management, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: All

Financial services companies want the competitive advantages the public cloud offers — faster time to market for product releases and upgrades and a more compelling and cost-effective pay-as-you-go pricing model. Learn more about how to make sure your customer and company data is secure in the AWS cloud. Hear from Hilik Kotler, FICO CISO, how FICO secures its customers’ sensitive data in the cloud. Security and compliance in the cloud are no longer an obligation. They are a competitive advantage. Learn why.

Presenters:
Hilik Kotler, Chief Information Security Officer, FICO
Ballu Singh, Solutions Architect for Global Financial Services, AWS

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Financial Services

Putting the customer at the center of fraud protection is a goal for many institutions. Hear from Turkish banking leader Garanti on how they achieved true Enterprise Fraud Management with the FICO Falcon Platform. This presentation will show how they manage cards, retail banking, call centers, non-monetary transactions, and application fraud.

Presenter:
Liz Lasher, VP Fraud and Protection, FICO
Kerem Özdamar, Risk Analysis Manager, Garanti

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Financial Services

UBS Card Center processes roughly 25 percent of the credit cards in Switzerland. Learn how they succeeded in 2016 with their ambitious goal to cut fraud write-offs and reduce false positives without increasing staff levels. Machine learning, including FICO’s Adaptive Analytics, and a great deal of human common sense, helped them stop 74% more fraudulent transactions in 2016 than in 2015, saving potential losses of CHF172 million (about $180 million). In addition, learn how Mastercard gained economies of scale by standardizing customer communication strategies while allowing the flexibility to support the business processes of each individual financial institution.

Presenter:
Marcel Drescher, Head of Fraud Services, UBS Card Center
Lori Cardinale, Mastercard

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services

Three years ago ELO introduced a new card to the Brazilian market. Now with more than 100 million cards issued they've turned to the FICO® Falcon® Platform to protect themselves from fraud losses while preserving the consumer experience.

Presenter:
Eduardo Chedid, Chief Executive Officer, ELO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Financial Services

Technology, regulation and rapidly evolving banking interactions are transforming fraud and financial crime defenses. Learn how FICO is working to apply cloud computing that helps fraud and compliance professionals work together to mutually benefit from a converged approach. This session will also cover the integration of new data types, contextual analysis and machine learning analytics to craft payment fraud strategies that can also encompass a range of other needs including anti-money laundering and employee fraud detection.

Presenters:
Gabriel Hopkins, VP Fraud Solutions, FICO
TJ Horan, VP Fraud Solutions, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Financial Services

Learn from a panel of financial crimes experts as they discuss the role of fraud and risk control in an environment designed for optimal consumer experiences. From originations to transaction verification, you'll hear a wide range of perspectives on emerging fraud risk trends that will shape enterprise fraud strategies over the next three years.

Presenter:
Liz Lasher, VP Fraud and Protection, FICO
Matt Powell, Head of Global Consumer Fraud, Citi
Vince Haulotte, Director, Global Fraud Product Management, MasterCard
Mary-Helen McElfresh, Fraud Solutions Executive, FICO

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: Financial Services

Consumer demand for faster money movement and omni-channel banking interactions have driven many financial institutions to adopt a "digital-first" approach to innovation. This session will focus on real-time payment initiatives and how the Falcon Platform can help you adapt your fraud detection strategies in order to keep pace with rapid advances in the consumer experience.

Presenter
Adam Davies, Senior Director Fraud Consulting, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industry: Financial Services

AML compliance in the Fintech industry is an emerging and quickly evolving field. That poses a significant challenge for multinational companies having to navigate a myriad of regulations while trying to preserve the core business model. We will share our story on how we found an efficient compliance solution in the cloud. FICO Decisions Awards winner.

Presenter:
Frank Holzenthal, Senior Director Compliance Solutions, FICO
Andis Grandans, AML Officer, 4Finance

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: Financial Services

It's no secret: Account takeover and new account fraud are rising rapidly across the globe. They're fueled by the devastating combination of multiplying data breaches and consumers' lamentable tendency to use the same set of login credentials across the majority of their online relationships. Businesses have a couple of valuable tools in their arsenal however, as they work to combat the fraud while not impeding the customer experience. Customers' increasing reliance on digital channels results in a vast amount of digital identity data that can be used to better analyze the risk of a given transaction. At the same time, machine learning analytics are helping to turn this data into actionable intelligence.

Presenters:
Julie Conroy, Research Director, Aite Group

Date and Time:
Wednesday, April 18th, 11:00 am - 12:00 pm

Industry: Financial Services

If you think you can't relate to or learn from a government collector's shop, think again. This panel, made up of collection experts with more than 80 years’ experience, works with different programs, timeframes, workflows, regulations, debt types, compliance requirements, amnesty programs and more. Each streamlining the collections process, creating efficiencies and best practices that even in early stages, show extraordinary ROI.

Presenters:
Jewel Vu-Sheridan, Senior Director Collections and Recovery Product Management, FICO
Rob Robb, Director Government Sales, FICO
Anthony Fugett, Director, Central Collection Unit, Department of Budget and Management, State of Maryland
Carol Trisko, Project Director for IT Replacement System, State of Washington
Jim Pugh, Program Analyst, Maximus

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Government

Attend this fascinating session to learn how two FICO Decision Award winners, Harry-Brot and WindFarm Designs, are solving incredibly complex challenges with mathematical optimization - while liberating business users from spreadsheets and accelerating the pathway to smarter decisions. In this session, you'll learn how Harry-Brot was able to optimally assign products to different product lines based on various logistical and cost parameters while empowering business teams to dynamically adjust and fine-tune production processes. And WindFarm designs, a true innovator in wind energy, is using optimization to solve a centuries-old problem of optimally placing wind turbines in the right locations to maximize performance against various constraints.

Presenters:
Stephan Westphal, Asolvo
Martin Dahmen, Asolvo
Oliver Bastert, Vice President Optimization Solutions, FICO
Klaus Vogstad, CEO, WindFarm Designs

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Energy

National Australia Bank has been on a transformative journey to uplift the capability to optimize their home lending portfolio. The latest step in this journey has been to incorporate an advanced pricing platform based on FICO’s optimization solutions in the cloud, which has enabled them to carefully balance volume and margin objectives under an increasingly restrictive regulatory environment. In this session, learn how they have empowered business users to harness the complexity of advanced analytics and optimization as part of their pricing processes.

Presenter:
Joanne Gaskin, Senior Director Mortgage Practice, FICO
Evan Robinson, Principal Consultant, FICO
Josh Brougham, Head of Pricing & Analytics, National Australia Bank

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: Financial Services

Economic conditions are the driving force behind homeownership trends. The U.S. mortgage industry’s leading and most awarded economist discusses the state of the market. How will rising interest rates impact affordability? Is another housing bubble on the horizon?

Presenters:
Joanne Gaskin, Senior Director Mortgage Practice, FICO
Douglas G Duncan, Chief Economist, Fannie Mae

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industry: Financial Services

BBVA has made significant strides modernizing and improving conventional and non-conforming mortgage processing through adoption of new technologies, robotics and automation of manual processes. As real estate lenders looks to retain customers and grow profitability amidst rising interest rates, debt to income ratios, and property values at historically high levels, we discuss how to manage these challenges. The discussion will include how to evaluate and adopt models and analytics to build a data-driven approach around pricing, underwriting and risk management.

Presenters:
Seth Steinberg, Partner, Decision Management Suite, FICO
Amory Booher, Senior Vice President, Risk, BBVA Compass

Date and Time:
Tuesday, April 17th, 1:30 - 2:30pm

Industry: Financial Services

IFRS 9 and CECL are accounting requirements, but they will have a huge impact on decision strategies across the credit lifecycle, as well as key business planning processes such as budgeting and stress testing. This session features an interactive discourse between risk and finance representatives, highlighting the value of collaborating to manage the strategic impact of these new requirements. The session will spotlight a recent use case.

Presenters:
David Binder, Senior Director, Advanced Ventures, FICO
Lynda Woodward, Senior Director, Advanced Ventures, FICO
Paul Robinson, AVP, Credit Risk Management, Canadian Tire
Jarrett Smith, Associate Vice President, Accounting and Reporting, Canadian Tire Bank

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Financial Services

The Second Payment Services Directive (PSD2) affects all banks and payment service providers operating in the European Union. Its aims include increasing competition in retail banking by opening up bank account information and payments to authorised third parties, and reducing fraud by mandating the use of strong customer authentication. The session will include a focus on understanding how PSD2 impacts the fraud department and the accompanying compliance requirements. Experts will highlight best practices for using transaction risk analysis and improved communication services to keep payments secure and customers happy.

Presenters:
Matt Cox, Senior Director, Fraud Consulting, FICO
Jonathan Williams, Principal Consultant, M2k Consulting

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industry: Financial Services

The EU's General Data Privacy Regulation (GDPR), which is effective this May, is quickly becoming the model for privacy laws around the world. Fines for non-compliance can be up to 4% of a company's worldwide revenue. In this session, we'll look at the basics of GDPR: data subject's rights; controller-processor responsibilities; data protection impact assessments; and privacy by design and default. You may need to re-engineer your products, revise your books and records, and work closely with your vendors to stay competitive and in compliance. FICO experts will highlight key implementation strategies to consider along with answering your compliance questions.

Presenters:
Vance Gudmundsen, VP, Regulatory Counsel, FICO
Vickie Miller, VP Data Privacy, FICO

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: All

Successful collections efforts require a firm understanding of the regulatory landscape and a strategy to navigate its many challenges. In this panel discussion, a regulatory expert and seasoned collections professionals will discuss the hot-button regulatory topics of the day, including the Telephone Consumer Protection Act and developments in U.S. federal and state collections policy. Experts will highlight how they use technology and best practices to stay compliant, maximize profitability and preserve the customer relationship.

Presenters:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Andrew Smith, Partner, Covington & Burling
John Craven, Director of Operations, Cox Communications
Maureen Whelan, Senior Vendor Manager, US Cellular

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: Financial Services

You want to call/text your customers to deliver fraud warnings, customer service or debt collection information, but the myriad interpretations of the continued uncertainty in the aftermath of the recent court decision related to the Federal Communication Commission’s (FCC) 2015 Telephone Consumer Protection Act Order makes that risky. Do you need customer consent or are there exceptions for non-telemarketing purposes? And, what if your caller-ID has been flagged or blocked by a call-blocking service, which has been encouraged by a new FCC order? Experts will discuss the current regulatory landscape, profitable customer communication strategies and how to navigate a new rapidly developing services industry to help protect your brand from improper classification.

Presenter:
Adam Barrett, Director Product Management, FICO
Vance Gudmundsen, VP, Regulatory Counsel, FICO

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Financial Services

Alternative data has great potential for improving credit decisions. Recent actions by regulators are aimed at promoting innovation through the use of new data beyond the information found in traditional credit bureau files. This panel will discuss important developments in the U.S. sparked by the rise of new fintech companies and online lending platforms, as well as increasing global efforts focused on financial inclusion. Experts will discuss the regulatory challenges of implementing new data into scoring models and recent activity by the OCC and CFPB that may eventually spark more widespread use of alternative data. The panel will also discuss developments outside the U.S., where alternative data is often more widely used.

Presenters:
Dave Shellenberger, Senior Director Scores, FICO
Daniel Nestel, Senior Director Government Relations, FICO
Andrew Smith, Partner, Covington & Burling
Ankush Tewari, Senior Director, Market Planning, LexisNexis Risk Solutions

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Financial Services, Telecommunications

While rules and scoring are essential to improving debt collection and rehabilitation, online retailer Shop Direct decided to "take it to the next level" to increase collections while reducing expenditures. They turned to sophisticated but easy-to-use decision optimization to supercharge champion/challenger testing, and empower business users to apply statistical science to balance multiple constraints and ultimately boost results. *FICO Decisions Awards Winner

Presenter:
Mark Harrison-North, Head of Risk Strategy, Shop Direct
Jen East, Director Analytic Consulting, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industry: Retail

More than 3 billion adults around the world have little or no banking relationship, and very little access to credit. How can we help them get the credit they deserve? A panel of experts will share best practices and lessons learned from innovative projects around the world leveraging emerging alternative data to expand credit access.

Presenter:
Sally Taylor-Shoff, VP Scores, FICO (moderator)
Loubna Bazine, CEO, FriendlyScore
Ankush Tewari, Senior Director, Market Planning, LexisNexis Risk Solutions
Funda Coşkun, Head of Retail Loan Origination, Aktifbank
Anat Hoida, Practice Lead, EMEA, FICO

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industries: Financial Services, Telecommunications

Affordability is a key concern in many credit markets, none more so than the UK, where regulators are focused on helping borrowers with "persistent debt". In account management decisions, lenders will need to assess a customer's ability to absorb additional debt. FICO has applied advanced methods of counterfactual analysis, AI/machine learning and model explanation to Equifax data to create an expanded, forward-looking view of the consumer. This new technology identifies which customers would have a significant change in their likelihood to default if they had a sizeable increase in their total credit card balances. In this session, we will explain the concepts of this new technology, share R&D results and discuss how this analytic could be used with a traditional risk score to help you address compliance requirements and control affordability risk.

Presenter:
Dr. Gerald Fahner, Senior Principal Scientist, Scores, FICO

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industries: Financial Services

Does regular consumer access to FICO® Scores influence financial knowledge and behavior? Findings from a new academic research study based on 400,000 student loan borrowers shed new light on this topic and the opportunities for lenders that give their customers score access.

Presenter:
Jenelle Dito, Principal Consultant, Scores, FICO
Rourke O'Brien, Assistant Professor Public Affairs, University of Wisconsin Madison
Kelly Christiano, SVP, Sallie Mae

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industries: Financial Services

The FICO® Score team has done deep dives into many of the latest topics of interest, including state-of-the-art AI and machine learning in the development of credit risk scores, trended credit bureau data and more. Which are impactful innovations and which don’t live up to the hype? Review our findings and decide for yourself!

Presenter:
Ethan Dornhelm, VP Scores, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industries: Financial Services

FICO® Scores assess default likelihood under “normal” conditions — but economic variability can cause shifts in the score distribution as well as the odds-to-score relationship. In this session we will compare credit bureau data from the Great Recession in the United States to a stable economic period, and highlight new and actionable insights into consumers’ sensitivities to such economic fluctuations. Join us to look at:

• Application of counterfactual analysis and machine learning to rank-order consumers’ sensitivities
• Consumer segmentation by economic sensitivities
• Sensitivity profiling revealing interesting differences between the most and the least sensitive consumers
• How you can put “economic shock absorbers” under your lending strategies
• Improving the accuracy of portfolio simulations under varying economic conditions

Presenters:
Dr. Gerald Fahner, Senior Principal Scientist Scores, FICO
George Shand, Senior Director Scores, FICO

Date and Time:
Thursday, April 19th, 9:00 - 10:00 am

Industries: Financial Services

Learn how FICO® Score consumer solutions are helping lenders further engage with their customers and assist them in their financial health journey.

Presenter:
Geoff Smith, VP B2C Scores, FICO
Laks Vasudevan, VP, Products and Innovation, Discover Financial Services
Chris Feathers, SVP, Wells Fargo

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: Financial Services

Does consumer-approved data have the potential to radically change the dynamic of credit risk assessment and how banks engage their customers? Hear from some of the leaders in consumer-approved data technology in the U.S. and internationally, as well as a lender that is using the technology to transform their current business. Come learn where we've been and what lies on the horizon with respect to this emerging approach to alternative credit data.

Presenter:
David Shellenberger, Senior Director Scores, FICO
Arturo González Mac Dowell, CEO, Eurobits
Marianne Sullivan, Founder of OptimX Advisors and former SVP Fannie Mae
Nick Thomas, President & CEO, Finicity

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services

Last year, Dish Network perfected back-end account placements which resulted in an average monthly charge-off reduction of just under $10M. This year, they're focusing on optimizing placement strategy, and expect to have the same kind of dramatic results they've seen in account placement. In this session you'll learn how Dish has gone from simple automation to optimization and agency management, creating impressive ROI statistics and creating a best practices environment along the way.

Presenters:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Sara Grabowski, Director of Operations, Dish Network

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Telecommunications

This presentation will provide insights from the telecommunications industry on the challenge of retaining customers while maintaining the appropriate balance between risk and profitability in a market increasingly characterized by low margins and intense competition.

Presenter:
Mike McCabe, Director of Credit Risk, Sprint

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: Telecommunications

More than 3 billion adults around the world have little or no banking relationship, and very little access to credit. How can we help them get the credit they deserve? A panel of experts will share best practices and lessons learned from innovative projects around the world leveraging emerging alternative data to expand credit access.

Presenter:
Sally Taylor-Shoff, VP Scores, FICO (moderator)
Loubna Bazine, CEO, FriendlyScore
Ankush Tewari, Senior Director, Market Planning, LexisNexis Risk Solutions
Funda Coşkun, Head of Retail Loan Origination, Aktifbank
Anat Hoida, Practice Lead, EMEA, FICO

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industries: Financial Services, Telecommunications

Come to this session to learn about our suite of offerings for Telecom, and how FICO is working with leading Telecom providers as their trusted partner for analytic transformation. We'll also share investment areas where we are working to create long-term, strategic value for you.

Presenter:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Anat Hoida, Practice Lead, EMEA Telecommunications FICO
Tim VanTassel, VP and General Manager, FICO

Date and Time:
Tuesday, April 17th, 1:30 - 2:30 pm

Industry: Telecommunications

Explainable AI is an area of high relevance across many industries facing the need to implement AI and ML-driven decisions that require transparency and a high degree of trust. Professor Sameer Singh of the University of California, Irvine will share the work of his group doing bleeding-edge research in this area. FICO’s Dr. Jari Koister will discuss the general directions in AI research at FICO.

Presenters:
Jari Koister, VP Product Management, FICO
Prof Sameer Singh, UC Irvine

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: All

Last year, Dish Network perfected back-end account placements which resulted in an average monthly charge-off reduction of just under $10M. This year, they're focusing on optimizing placement strategy, and expect to have the same kind of dramatic results they've seen in account placement. In this session you'll learn how Dish has gone from simple automation to optimization and agency management, creating impressive ROI statistics and creating a best practices environment along the way.

Presenters:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Sara Grabowski, Director of Operations, Dish Network

Date and Time:
Thursday, April 19th, 11:30 am - 12:30 pm

Industry: Telecommunications

Does this sound familiar? The acquisition team is looking to grow, to take more risks. The credit team is looking to gather more insights - when and how they achieve this is evolving and important. The collections team is trying to minimize losses. All teams are trying to move faster and be more efficient. How do you balance these conflicting goals and maximize overall profitability? This panel discussion explore the challenge, and value, of developing an interconnected strategy for balancing credit risk and profitability across the credit lifecycle.

Presenter:
Shawna Morgan, Sr. Director, Telecom Practice, FICO
Carmine Maurizio, Sr. Manager, Telus
Chris Hooppaw, VP of Credit Risk, T-Mobile
Nikolaos Chourdakis, Customer Finance Director, OTE Group

Date and Time:
Tuesday, April 17th, 4:30 - 5:30 pm

Industry: Financial Services, Telecommunications

This presentation will provide insights from the telecommunications industry on the challenge of retaining customers while maintaining the appropriate balance between risk and profitability in a market increasingly characterized by low margins and intense competition.

Presenter:
Mike McCabe, Director of Credit Risk, Sprint

Date and Time:
Wednesday, April 18th, 4:30 - 5:30 pm

Industry: Telecommunications

What are the emerging trends in cybercrime worldwide, and how are organizations responding to protect themselves? New research undertaken by independent research company Ovum and sponsored by FICO sheds new light on this area. Join this first-ever presentation of the results from our 2018 survey, which will also feature the perspective and field observations of cybersecurity expert Lou Cirillo from Innovus.

Presenter:
Lou Cirillo, Innovus
Maxine Holt, Ovum
Julie May, VP Cybersecurity, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: All

The EU's General Data Privacy Regulation (GDPR), which is effective this May, is quickly becoming the model for privacy laws around the world. Fines for non-compliance can be up to 4% of a company's worldwide revenue. In this session, we'll look at the basics of GDPR: data subject's rights; controller-processor responsibilities; data protection impact assessments; and privacy by design and default. You may need to re-engineer your products, revise your books and records, and work closely with your vendors to stay competitive and in compliance. FICO experts will highlight key implementation strategies to consider along with answering your compliance questions.

Presenters:
Vance Gudmundsen, VP, Regulatory Counsel, FICO
Vickie Miller, VP Data Privacy, FICO

Date and Time:
Tuesday, April 17th, 3:00 - 4:00 pm

Industry: All

More than 3 billion adults around the world have little or no banking relationship, and very little access to credit. How can we help them get the credit they deserve? A panel of experts will share best practices and lessons learned from innovative projects around the world leveraging emerging alternative data to expand credit access.

Presenter:
Sally Taylor-Shoff, VP Scores, FICO (moderator)
Loubna Bazine, CEO, FriendlyScore
Ankush Tewari, Senior Director, Market Planning, LexisNexis Risk Solutions
Funda Coşkun, Head of Retail Loan Origination, Aktifbank
Anat Hoida, Practice Lead, EMEA, FICO

Date and Time:
Tuesday, April 17th, 11:30 am - 12:30 pm

Industries: Financial Services, Telecommunications

The power of decisioning technologies has never been greater. The combination of decisioning and optimization can deliver a highly adaptive, automated, real time customer engagement and treatment engine that can yield significant benefits beyond decisioning or optimization alone. Discover how you can merge and meld these two technologies into powerful optimized strategy deployment solutions!

Presenters:
Neill Crossley, Senior Director, Analytics, FICO
Fernando Jorge, Senior Director, Product Management, FICO

Date and Time:
Wednesday, April 18th, 11:00 - 12:00 pm

Industry: All

The introduction of the FICO platform solution a few years ago was largely focused on delivering an easier, faster and more agile way to deliver analytics, decision rule, and optimization capabilities into business applications. Along the way, we have had tremendous new insights into how analytics and decision management, coupled with an enterprise platform approach, can improve customer focus across the lifecycle. Discover how you can use these insights and the FICO Decision Management Suite to put customers at the center of your digital transformation.

Presenters:
Benjamin Baer, Senior Director Product Marketing, FICO

Date and Time:
Thursday, April 19th, 10:15 - 11:15 am

Industry: All

FICO Xpress Optimization is the most advanced toolset for building optimization solutions, and supports a wide range of users, including operations researchers and data scientists, web application developers, business analysts, managers and even executives. Xpress has industry-leading solver technologies and modelling languages, APIs, integration with a wide range of data and languages, integrated development environments and rapid application development. Learn how FICO's optimization solutions, including the newest release of Decision Optimizer, can help you deliver better decisions, better strategies and better results.

Presenters:
Neill Crossley, Senior Director, Analytics, FICO
Oliver Bastert, VP Optimization Product Management, FICO

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: All

Alternative data has great potential for improving credit decisions. Recent actions by regulators are aimed at promoting innovation through the use of new data beyond the information found in traditional credit bureau files. This panel will discuss important developments in the U.S. sparked by the rise of new fintech companies and online lending platforms, as well as increasing global efforts focused on financial inclusion. Experts will discuss the regulatory challenges of implementing new data into scoring models and recent activity by the OCC and CFPB that may eventually spark more widespread use of alternative data. The panel will also discuss developments outside the U.S., where alternative data is often more widely used.

Presenters:
Dave Shellenberger, Senior Director Scores, FICO
Daniel Nestel, Senior Director Government Relations, FICO
Andrew Smith, Partner, Covington & Burling
Ankush Tewari, Senior Director, Market Planning, LexisNexis Risk Solutions

Date and Time:
Wednesday, April 18th, 3:00 - 4:00 pm

Industry: Financial Services, Telecommunications

How does one of the world's most consistently profitable airlines keep one step ahead? With optimization, of course. Over the past 15 years, they've applied optimization across the board, from crew scheduling and fuel tankering to assigned gates and disruption recovery. In this session, you'll learn about some amazing new analytic innovations they're deploying to help ensure they keep expanding their edge. FICO Decisions Awards winner

Presenter:
Richard Madrid, Southwest Airlines
Zahir Balaporia, Partner, Decision Management Suite, FICO

Date and Time:
Wednesday, April 18th, 1:30 - 2:30 pm

Industry: Transportation