FICO World 2016: Tracks and Sessions




Below you will find details on the 80+ sessions that show how organizations — around the world and in multiple industries — are using and connecting new data sources; achieving faster time to value with new analytic tools and strategies; gleaning new insights on their business and their customers; and most importantly, putting into action those insights.

Speakers are being confirmed on an ongoing basis; additional sessions are added online every week, so check back often!

Select sessions — marked with an asterisk * — will appear in more than one track


From BI to AI: Beyond Understanding and Predicting User Behavior

Description:
The rapidly growing number of digital devices (from smart phones to wearables) and low-cost storage have created an explosion of user behavior data. Behavior analytics offer unprecedented opportunities for brands to understand their consumers and stay relevant in the market.

Like most business analytics, behavior analytics has evolved from a more passive role (through business intelligence) to a more active role in decision management—following the trend of descriptive, predictive, towards prescriptive analytics. However, optimization based prescriptive behavior analytics has its unique challenges, since brands typically do not control any consumer’s behaviors. No enterprise can decide what consumers will do, even in cases where the optimal course of behaviors is known and prescribed. So how can we move beyond understanding and predicting consumer behavior?

This presentation describes the behavior science and the technology that allow brands to influence consumer behavior—through feedbacks and learning mechanisms—without exercising direct control.

Speakers:
Michael Wu, Ph.D., Chief Scientist, Lithium Technologies


Smarter Data Through Sequential Decisions

Description:
Turn your big data into smart data by leveraging sequential decisions to improve customer knowledge. Our systematic approach will be illustrated by a credit card retention marketing scenario by taking business-as-usual data as a starting point to envision how a company can morph from “data-rich yet information-poor” to a fuller understanding of customer preferences. We will reimagine data collection and analysis in an automated and scalable way, by combining modern smartphone applications and artificial intelligence algorithms into a self-learning system for creating personalized, real-time customer dialogues and offers. We will demonstrate how the system overcomes current data limitations such as staleness and treatment selection biases, by actively collecting valuable data. We will use Markov Decision Processes and simulation to explore the value of personalized customer dialogue even after accounting for costs and discrepancies between revealed versus actual preferences. We will also design and simulate safe learning strategies to overcome data biases while controlling the exploration-exploitation tradeoff, and explore their business value. Come see how data exhausts, customer dialogues, and learning strategies can be combined to turn big data into smart data.

Speakers:
Gerald Fahner, Senior Principal Scientist, Analytic Science, FICO


Tapping the Power of Machine Learning Algorithms in Scorecard Development

Description:
Machine learning is a powerful tool, but it can be very challenging to apply to a model development – particularly for scores used in financial decisions. In this session, learn how the power of machine learning can be captured in scorecards while maintaining transparency needed for palatability, interpretability, and regulatory purposes. We’ll also explore how to use machine learning tools to achieve the optimal segmentation scheme. Finally, we’ll examine the benefits of machine learning influenced scorecards on both large samples and small samples by viewing results from a recent development.

Speakers:
Michelle Davis, Director, Analytic Science, FICO


Tackling the Common Point of Compromise problem in Fraud *

Description:
Finding the moment fraud occurs and taking the appropriate remedial actions is critical for everything from account safety to profit protection and penalty avoidance. By identifying a common point of compromise (CPP) quickly and accurately, banks can significantly prevent further fraud and card losses. In this session, learn how combining innovative analytic methodologies with Big Data tools such as Apache Spark and graph analytics can quickly and accurately identify when fraud happens and the period of the compromise for your business. Explore specifically how banks can tackle the persistent fraud problem of compromised credit cards by using anomaly detection, link analysis, social network analytics and noise reduction techniques. Discover how to apply these methods to problems such as third-party credit card fraud, merchant level automobile loan distribution and more.

Speakers:
Derek Dempsey, Principal Consultant, FI Advisors, FICO

Mike Betron, Director, Product Management, FICO


Learning Mobile Behavior to Protect Transactions on the Device and Beyond

Description:
Do you want to better protect mobile in-app banking and even further improve fraud detection on credit and debit cards? Learn how profiling technology, self-calibrating outlier detection and real-time collaborative profiling can be combined to create advanced behavioral mobile analytics to tackle these challenges. Understanding customers’ behaviors on their mobile devices creates a unique opportunity to protect channels with behavioral analytics that uses biometric information in a low-friction way that doesn’t impose burdens on users. Complementing traditional biometric approaches to security, behavioral mobile analytics can associate an abnormality score with the device, which can greatly reduce mobile security concerns that are currently impacting banks and other providers. New technologies, such as the FICO Decision Management Suite, allow businesses to adopt these solutions either on-premises or in the cloud.

Speakers:
Joe Murray, Principal Scientist, Analytic Science, FICO


FICO’s Commitment to Analytic Innovation – A Peek into FICO’s Patents

Description:
As an industry, we face dynamic change and big challenges that call for ongoing analytic innovation. FICO actively researches and patents new analytic approaches that we can bring into our products and offerings — from finding new ways to combat multiple aspects of fraud related to credit cards, banking and cyber, to improving the customer experience through the generation evolving strategies for providing offers. Join us as we reveal the analytics behind four recent patent applications and discuss how these may have a big impact on your business.

Speakers:
Scott Zoldi, Chief Analytic Officer, FICO

Gerald Fahner, Senior Principal Scientist, Analytic Science, FICO

Joe Murray, Principal Scientist, Analytic Science, FICO


Making Pricing Right for Dealers and Consumers *

Description:
This discussion will center on pricing strategies to help meet lender, dealer, customer, compliance and regulatory needs in real time. Lana Johnson of Santander, along with FICO’s Matt Stanley, will provide industry trends, real-world examples, and best practices for optimized pricing.

Speakers:
Matt Stanley, Senior Director, Solution Sales, FICO

Lana Johnson, EVP, Origination Strategies, Santander Consumer USA


The Future of Auto Financing from the C-Level View

Description:
This panel discussion with multiple executives will focus on the threats and opportunities in vehicle financing. There will be an emphasis on how the connected world changes everything–for better and worse.

Speakers:
Marguerite Watanabe, Management Consultant (moderator)

Jon G. Daniels, SVP & President, CarMax Auto Finance

Tim Russi, President, Auto Finance, Ally Financial Inc.

Andrew Stuart, President and CEO, TD Auto Finance


The Automobile As the Ultimate Mobility Device – Autonomous, Connected, Electric, Shared – Panel Discussion

Description:
The “Internet of Everything” will impact the future of car buying in a radical way, as Silicon Valley meets the car buying process. This panel of experts will discuss how cars will become (and, in some cases, already are) the new mobile device, providing a new array of data that lenders can use to create a better customer experience.

Speakers:
Ken Kertz, Client Sales-Director, FICO

Dr. Sven Beiker, Automotive Industry Consultant with McKinsey & Company

Rebecca E. Kuehn, Partner at Hudson Cook, LLP


Success Story – Taking a Road Trip on the Efficient Frontier with Toyota (FICO Decision Management Award Winner) *

Description:
Find out how Toyota partnered with FICO to integrate decision management, reporting and advanced analytics to create their Collections Treatment Optimization (CTO) program. CTO’s data-driven, scientific approach has helped customers resolve delinquencies prior to affecting their credit, avoid repossessions, and stay in their cars! It’s truly a “win-win” for customers and Toyota.

Speakers:
Sonja Clark, Senior Manager, Analytic Consulting, FICO

Jim Bander PhD, National Manager, Decision Science – Risk Management, Toyota Financial Services


Tech Refresh and Consolidation: Key Elements for Debt Collection Success in the State of Maryland

Description:
Siloed processes. Paper, and lots of it. End-of-month fatigue. Does this sound familiar? After adopting new technology to collect and recover more than $2 billion in annual receivables, The State of Maryland began the transition from “collecting and correcting” to creating a modern collection process that meets the needs of their 400+ clients. Learn how using a commercial off the shelf solution, the state is meeting the vast majority of more than 4,000 requirements through configuration, not customization as they centralize collection activity.

Speakers:
Jewel Vu-Sheridan, Director, Collection and Recovery Product Management, FICO

Anthony S. Fugett, Director, Central Collection Unit, State of Maryland Department of Budget and Management


Three Pillars and a Focus on Relationships: The Secret to Recovery Success

Description:
No matter how you cut it, recovery is a tough business. Hear from industry leader Robert Pikula, Head of Recovery and Asset Restructuring, Bank Zachodni WBK, a division of Santander, as he presents the importance of creating a centralized, standardized process for recovering even the most challenging debt. You’ll hear why best practices and real relationship-building rule.

Speakers:
Bruce Curry, Principal Consultant, FICO

Robert Pikula, Head of Recovery and Asset Restructuring, Bank Zachodni WBK


The Merging of Compliance, Compassion and Technology

Description:
Successful collection and recovery for credit issuers comes down to not only knowing a great deal about a complex industry, it also means understanding the trends and technology that increase consumer engagement. Industry experts from Phillips and Cohen Associates and Barclaycard share their perspective on the merging of compliance, compassion and technology in a transparent process that breeds success.

Speakers:
Martin Germanis, Vice President, FICO

Adam S. Cohen, Co-Chairman/CEO, Phillips & Cohen Associates, Ltd.

Howard A. Enders, President/CCO, Phillips & Cohen Associates, Ltd.

John Glaser, Head of U.S. Collection and Recovery, Barclaycard


How to Pay for Your New Recovery System Using Revenue Generated in Year One – Dish Network *

Description:
This presentation showcases the fast success of using a good account placement tool. You’ll learn how Dish, a major pay-TV provider serving millions of customers across the U.S., improved recoveries while maintaining high levels of customer satisfaction and regulatory compliance. They continue to experience an ongoing lift in gross recoveries each month, after achieving positive ROI in less than one year.

Speakers:
Kirsten Cordova, Director, Telecommunications Engagements, FICO

William Joyner, Corporate Business Operations Manager, Dish Network


Your Secret Weapon in Compliant Collections: Workflow Capability

Description:
Credit bureau disputes, consumer communications and ongoing regulatory issues are driving collection systems to do more than ever before. There’s no silver bullet, but understanding the full potential of your workflow capabilities comes close. With key learnings for other industries, as well.

Speakers:
Martin Germanis, Vice President, FICO

Michelle Macartney, Managing Director, US Banking Practice, Bridgeforce

Noah Stayton, Senior Program Manager, Bridgeforce


Debt Purchasing and Collection Success: How Global Leader Cabot Financial Uses Technology and a Consumer-Focused Approach to Overcome Traditional Debt Collection Challenges

Description:
As the largest debt buyer in the UK, Cabot Financial uses a combination of modern technology and superior consumer experience to successfully collect on the debt they buy. This session showcases why they left their homegrown system behind, and how an agile approach and the ongoing ability to quickly configure to meet ongoing consumer needs is turning into outstanding results.

Speakers:
George Veroulis, Director, Collection and Recovery, FICO

James Edwards, Enterprise Architect and IT Strategy Manager, Cabot Credit Management


New Initiatives and Technology Updates in Communications and Collections – Panel Discussion

Description:
Any organization collecting debt prior to 2008 found themselves reeling from the financial crisis just like everyone else. What organizations did with their delinquent auto loans – adopting new technology, integrating with new dialers, understanding the role of social channels and moving to the cloud – meant a lot of changes and a lot of struggles. However, you’ll learn from this accomplished group of panelists that moving from the analog to the digital, includes measurable success if you do it right.

Speakers:
Gabe Hopkins, Senior Director, Product Management, FICO

Julien Krief, Director, Collections, Customer Service & Recoveries, Scotiabank

Amit Nayar, Director, CIBC


Best Practices, FICO® Score 9 Evaluation and Adoption

Description:
Learn about best practices for evaluation and adoption of FICO® Score 9 from our data scientists and clients. Will cover the pros / cons observed in evaluation of FICO® Score 9 and other non-FICO scores, and why clients stick with FICO.

Speakers:
Ethan Dornhelm, Sr. Principal Scientist, Scores and Predictive Analytics, FICO

Alfred Furth, Vice President, Chief Data Scientist, Capital Services

Stephen Merritt, Chief Risk Officer, Consumer Auto, Ally


FICO® Score 9 Product Showcase

Description:
Lenders in the US are adopting FICO® Score 9 at a faster pace than previous releases, learn what drivers are causing the market to move to the newest FICO® Score.

Speakers:
Julie Wooding, Principal Consultant, Scores, FICO


Bringing the Credit Invisible Into Sight: Exploring the Challenges and Opportunities for Greater Financial Inclusion – Panel *

Description:
Hear from our panel of clients and experts who will discuss challenges of addressing the underserved and underbanked and how they are responding to the challenges. Learn how to leverage FICO® Score XD to score more applicants and grow your book of business.

Speakers:
Dave Shellenberger, Sr. Director, Scores, FICO

Corey Stone, Assistant Director, Deposits, Liquidity Lending and Reporting Markets, CFPB

Steve Min, Chief Credit Officer, Synchrony


FICO® Score XD – Continued Research on the Use of Alternative Data in Scoring – Panel

Description:
FICO® Score XD is being made available for bankcard lenders leveraging alternative data sources to score and approve more credit applicants. Learn about how innovations in the use of new credit data sources are creating new opportunities for lenders to extend credit to the unbanked, Gen Z, Millennials and the previously credit invisible.
Panelist speakers will include subject matter experts from Equifax® and LexisNexis®.

Speakers:
Dave Shellenberger, Sr. Director, Scores, FICO

Ankush Tewari, Senior Director, LexisNexis

Christine Moss, Product Leader, Consumer Scoring and Attributes, Equifax


FICO® Score Open Access – Panel

Description:
Hear from a multi-industry panel of FICO® Score Open Access clients and thought leaders who will share best practices and lessons learned during implementation, customer and lender benefits of the program and perspective on innovations around consumer financial health.

Speakers:
Jenelle Dito, Principal Consultant, Scores, FICO

Tom Grigalunas, Director, Marketing Information Management, Citi Cards

Ramesh Lakshminarayanan, Executive Vice President and Chief Risk Officer, Nationstar Mortgage

Laura Cummings, Senior Manager, Center for Financial Services Innovation


FICO® Score Variation Across Score Versions, and Over Time

Description:
Gain insight into FICO research quantifying the amount of FICO® Score variation across score versions, including systematic reasons why the base FICO® Score differs from the FICO® Auto Score or other FICO® Industry Scores.

FICO research also quantifies the degree of consumer-level score migration over time. What % of FICO® Scores shift by more than 40 points within 1 month? 6 months? 12 months? What are the key drivers of those shifts, and can these shifts be predicted / anticipated?

Speakers:
Ethan Dornhelm, Sr. Principal Scientist, Scores and Predictive Analytics, FICO


A Risk & Marketing Partnership: CIBC Uses Analytics to Drive the Right Customer Offers

Description:
Often the Risk and Marketing departments are at odds in banking decisions, Marketing wants to grow revenue & bring in new customers, while Risk wants to make sure those efforts are properly evaluated. CIBC used a unique approach to bring the Risk and Marketing groups together with an analytic framework to evaluate risk and customer affinity for product offers. Learn how these departments are working together and set marketing strategies that serve better both the customers’ and the bank’ interests.

Speakers:
Sonja Clark, Senior Manager, Analytic Consulting, FICO

David G. Craig, Vice President, Retail Account Acquisition, Retail Risk Management, Canadian Imperial Bank of Commerce


The Essentials: How to Grow Deposit Portfolio Revenue & Improve Customer Relationships

Description:
While quantitative easing & low rate environments in many countries has resulted in sufficient depository funding, bank revenues continue to shrink due to low interest rates & increased regulations on non-interest income. In this presentation, we discuss the challenges facing the liability side of the house. Learn best practice for improving pricing decisions; enhancing fee management, customer focused overdraft & funds availability; with rigorous analytics and comprehensive regulatory compliance.

Speakers:
Ashwin Gurnani, FICO Principal Consultant, FICO


Measuring and Improving Your Company’s Customer Experience Maturity

Description:
Learn a framework to measure the maturity level of your organization’s capabilities in delivering a quality customer experience. Attendees will come away from the session with an actionable toolset and the ability to measure their own organization’s maturity, plus ideas and methods they can use to improve the way in which they manage customer experience, with the goal of improving customer satisfaction and loyalty.

Speakers:
Gary Batroff, Customer Experience Optimization Practice Leader, FICO


Seven Insights That May Surprise the Most Seasoned Financial Services Organization

Description:
US Consumers are a fickle bunch, particularly when it comes to financial services (banking, auto loans, credit cards, even alternative lending). FICO recently completed a study of these consumers has uncovered some fascinating insights and will provide recommendations on how to address them. Key questions this session will address include:

How much are consumers using alternative lending providers today, and how much of a threat to traditional banks do they pose?
What makes consumers switch banks?
What are they saying about you to friends and family?
Do consumers think credit cards will be around in 5 years? If not, why?
How do customers want you to communicate with them (direct mail, E-mail, Mobile Apps, Text) and for what?

Speakers:
Joshua Schnoll, Senior Director, Product Marketing, FICO


Driving Profit and Satisfaction with Active Customer Management

Description:
Every customer-facing business understands the value that holistic customer management can deliver. FICO will present key finding from an analysis of nearly 30 lending institutions that show active customer management leads to significant profit gains. Then learn the specific steps TD Bank has taken to actively manage their customer accounts and achieve higher levels of profit and customer satisfaction.

Speakers:
Clifford King, Senior Manager, Risk Management, TD Cards


Success Story – Turning a Risk Engine into a Growth Engine by Uniting Common Platforms: An Innovation Tale from Scotiabank

Description:
Scotiabank had a feeling they were leaving money on the table by not leveraging their risk technology investments to the fullest. Hear how they united on a common cross-sell platform by integrating TRIAD® Customer Manager, Origination Manager and their marketing and sales platforms to drive significant incremental revenue, much lower risk, while improving the overall customer experience.

Speakers:
Miguel Cabezas, Principal Consultant, FICO

Graham Anderson, VP International Retail Risk Management, Scotiabank


*Sponsor* Whitepages Pro: Fortify Your Identity Verification with Dynamic Data

Description:
Mobile phone numbers are the global, unique identifier for individuals. Absolute certainty about an identity’s legitimacy is nearly impossible to achieve and organizations have to re-evaluate how they verify customer information. In a world where much of our PII data has been compromised and old static data is useless, meet the new key to successful identity verification – dynamic identity data. Real-time data to mitigate fraud and regulatory compliance risks, enhance old portfolios contact records, and improve operational efficiencies.

Join our Identity Data Guru to discuss how:

  • The Whitepages Identity Graph™ solves the big data challenge of having quality dynamic data so organizations can be confident in real-time identity verification
  • The linkages between the data connects a customer’s online identity to their offline identity
  • Big brands, like Speedy Cash, Intuit, and iPayments use dynamic identity data to fight fraud, improve customer experiences, and increase right party contact.

Speakers:
Drew Hackleman, Direct of Data Strategy and Acquisitions, aka “Identity Data Guru”, Whitepages Inc.


Alternative Disruptors: Kabbage & FICO

Description:
Kabbage initially started with FICO for small business lending, and they’re now using FICO for consumer lending (the “Karrot” brand), alternative data sources, and analytics to drive additional value. They also have plans to initiate “White Label” lending for banks and have even expanded to international lending! Kabbage will discuss all of these growth initiatives, as well as plans for the future, as they continue to pioneer within the alternative lending industry.

Speakers:
Rich Dougherty, Solution Sales Senior Director, FICO

Kathryn Petralia, COO, Kabbage


Success Story – Winning The Ceska Way (FICO Decision Management Award Winner)

Description:
Česká Spořitelna, the largest bank in the Czech Republic, optimized loan strategies to increase both portfolio profit and new sales. They’ve achieved remarkable success despite growing competition and price sensitivity in the Czech market.

Learn the details behind this impressive growth and profitability, including how Ceska leveraged FICO for optimization, strategic testing, reporting and analysis to differentiate from competitors.

Speakers:
Marc Drobe, Director, Pre-Sales Consulting, FICO

Zuzana Sloukova, Head of the Optimization, Reporting and Analysis Team (Retail Risk Dept.), Ceska Sporitelna


Improve Small Business Portfolio Performance and Asset Quality with Dun & Bradstreet & FICO

Description:
Small businesses are a growth engine for many economies, resulting in an increasingly competitive and diversified lending marketplace (traditional, alternative, FinTech, etc.). In this session, we’ll discuss the challenges small business lenders of all kinds face today, and we’ll share case studies that highlight the latest strategies and solutions that the most successful lenders are using to grow their portfolios exponentially, while complying with increasing regulation. Among those solutions is the Small Business Risk Portfolio Solution (SBRPS), a joint offering that combines Dun & Bradstreet’s commercial insights with FICO’s analytical intelligence to provide the market with a highly predictive blended risk score that increases the profitability of any small business portfolio.

Join Us for a highly interactive overview of the trends shaping the small business lending landscape now and in the future, presented by the two industry leading experts.

Speakers:
Michelle Davis, Analytic Science-Director, FICO

Alan Balko, VP Financial Services, Dun & Bradstreet

Steve Gregg, VP Data & Analytical Consulting, Dun & Bradstreet


Success Story – TBC Transforms Their Business

Description:
TBC, a leading Georgian-based bank, is working with FICO to completely overhaul their loan originations system. This ambitious project, covering multiple lines of business, will result in the following:

  • Streamlined loan origination processes
  • Fully automated consumer loans
  • Increased approval rates
  • Faster times to market

In this session, TBC and FICO will outline the project, including the key drivers, milestones, and outcomes, and demonstrate how the key move is sometimes the boldest move.

Speakers:
David Tediashvili, Head of Retail Credit Risk Management Division, TBC Bank

Giorgi Alibegashvili, Strategic Project Manager, TBC Bank


Success Story – Taking Santander Customers To Cloud 9

Description:
It’s been a busy year for Santander! First, they shifted their decision module system from on-premises to the cloud. Next, they’ve just gone live with phase 1 of their New-To-Bank (NTB) program using FICO’s help with Originations and Marketing Services. Up next will be phase 2 of NTB, which will expand their wallet share of existing consumers using multichannel communications. Find out how Santander and FICO are taking customers to cloud 9!

Speakers:
Rich Dougherty, Solution Sales Senior Director, FICO

Geoff Brown, Director of Cards Acquisitions at Santander Bank, N.A.


Success Story – Big Data + Prescriptive Analytics: Transforming the Credit Lifecycle at Unicredit *

Description:
Italy’s largest bank, Unicredit, needed to make smarter, faster origination and customer management decisions for credit cards as well as for personal and small business loans. They adopted a FICO decision management solution to help enhance customer relationships and credit risk management. Hear how the FICO solution synthesizes prescriptive analytics, big data, mathematics and business rules to suggest the best range of options for each customer touchpoint – as well as Unicredit’s future plans build off their current success.

Speakers:
Richard Lagerweij, Sr. Director, FICO

Ivan Cavanato, Head of Credit Risk Management, Unicredit


Success Story – Conn’s: Making the Risky Retail Customer Count *

Description:
In the retail business, engaging subprime consumers is a critical part of the profit equation. Longtime retailer Conn’s, which sells everything from electronics to home furnishings, was challenged to make faster, smarter origination decisions while being able to modify policies without requiring IT resources. They turned to a fast-start, cloud-based approach to managing real-time fraud checks and credit approvals, with the ability to add new business capabilities over time.

Speakers:
Mary Dupont, Senior Principal Consultant, FICO

Ali Bachlani, Chief Credit Officer, Conn’s

Jim Patton, FICO


Success Story – Price Elasticity Analytics Get a Boost at Tesco Bank

Description:
UK-based Tesco Bank is an arm of the Tesco retail empire, and sought to bridge gaps in their price elasticity analytics. They chose FICO to help improve profits and manage regulatory risk, leveraging subject matter expertise in deposit pricing, a deep understanding of the drivers of price elasticity models and strong domain knowledge in regulatory areas including Liquidity Coverage Ratio (LCR).

Speakers:
Ashwin Gurnani, Principal Consultant, FICO

Ken Robinson, Head of Business Analytics, Tesco


Success Story – Yarra Valley Water Transforms its Developer Application Process with Decision Rules Management

Description:
Yarra Valley Water was challenged to manage its land and water development application process, as long waiting cycles led to lost revenues and frustrated customers. Using FICO decision rules technology, they implemented a self-serve, customer-facing online ‘easyACCESS portal’ to automate 80% of the submissions it receives yearly, with critical resources now being deployed to focus on more complex applications. The FICO solution allows tight integration with GIS, billing and other systems, while also providing the scalability for future growth. Hear about their future expansions as well as how other developer application-centric organization in Australia are look to emulate the success of this project.

Speakers:
Jeremy Chen, Director, FICO

Stuart Squires, System Manager, Yarra Valley Water

Rhonwyn Colley, Director, Wise Technology Management Pty Ltd.


Success Story – KeyBank Sharpens Marketing Strategies with Decision Management Tools

Description:
As a pioneer in the use of analytic tools to help identify the appropriate balance of risk and reward, KeyBank continuously seeks new opportunities to apply analytics in an effort to enhance their business strategies. In this session, you’ll learn how they applied advanced analytics to improve predictions and profiling – with a specific focus on credit card segmentation strategies used to present offers based on their customers’ and prospects’ propensity to revolve or transact. This session will have relevant takeaways for any organization looking to enhance their customer targeting and marketing.

Speakers:
Lamar Shahbazian, Senior Director, FICO

Peter Ouellette, Risk Modeling and Analytics, KeyBank

Jason Jones, Risk Modeling and Analytics, KeyBank


Success Story – Faster, Smarter Business Decisions Using Prescriptive Analytics *

Description:
Whether you’re booking a hotel room, renting a car, or requesting a credit limit increase, analytics often help determine what type of offer you will receive. For most customer-level decisions, however, the sheer volume of available data combined with the “need for speed” to attract and retain customers requires more powerful tools.

In this session, well show examples of how prescriptive analytics can serve as the “secret sauce” for faster, smarter customer decisions.

Speakers:
Rick Marshall, Director, FICO

Todd Rollin, Senior Manager, FICO


Success Story – Large Scale Marketing with Prescriptive Analytics *

Description:
Lloyds sought to optimize multiple marketing campaigns across multiple brands, channels and products for tens of millions of customers by assessing thousands of possible actions, offers and services. The most relevant and value adding offering and deliver channel is selected while accounting for decision rules – such as marketing budgets and call center capacity – and customer contact rules. Different marketing campaigns can be deployed according to the customer segment, with different customer segments optimized against different business goals, such as sales, short term profit, retention or ROI. This session covers how the technologies they used drove an increased response rate with a reduced marketing spend to increase profit and ROI.

Speakers:
Andy Harrison, Director, Analytic Consulting, FICO


Success Story – Cetip Turns the Table on Automobile Fraud in Brazil *

Description:
As Latin America’s leading depositary for bonds and major financial liquidator, Cetip also operates Brazil’s National Automobile Lien System (SNG – Sistema Nacional de Gravames). Through SNG, banks send requests of all automobile lien transactions to Cetip, which connects and provides the lien restriction information for inclusions and removals by the DMVs.

Cetip sought to anticipate and implement proactive actions in order to help banks to identify possible fraudulent transactions and activities between bank operators, dealerships and car owners. They chose a FICO decision rules and social network analysis solution that help to identify suspicious, fraudulent and legitimate transactions.Through SNG banks send requests of all automobile lien transactions to Cetip, which connects and sends the lien restriction information for inclusions and removals on the DMVs. Cetip sought to anticipate and implement proactive actions in order to help banks to identify possible fraudulent transactions and activities between bank operators, dealerships and car owners.

Speakers:
Fernando Jorge, Director, Product Management, FICO

Rodrigo Alberto Gomes, Operations Superintendent, Cetip


The Need for Speed in Decision Management – What’s Holding You Back?

Description:
You know it. Your customers know it. The longer you wait to make the critical decisions – and take the actions – you need, the more likely that you’ll end up on the short end of the stick. The challenge is how to make those faster decisions really count – considering the vast number of constraints, business goals and human elements to factor in. This session highlights several actual use cases where FICO clients were able to make faster, smarter decisions by putting the power of decision management into the hands of their business users and analysts, helping reduce their IT footprint and make the best use of scarce analytic resources.

Speakers:
Bill Waid, Vice President, FICO Decision Management Suite, FICO

Lauren Dettloff, Director, FICO


Success Story – Growth Alongside Customer-Level Risk Management — TD Proves It Can Be Done

Description:
Toronto Dominion, a top 10 North American bank, sought to increase balance generation in their credit card portfolio while maintaining rigorous discipline in customer-level risk management. By partnering with FICO and leveraging FICO’s proven optimization methodology, TD has successfully adjusted credit card limits to achieve rapid balance growth while maintaining customer-level exposure targets and desired loss rates.

Speakers:
Matt Stanley, Senior Director, Solution Sales, FICO

Vivek Kumar, Associate Vice President, Head of Consumer Collections Strategies, TD Bank Group


*SPONSOR* HPE: Achieve Sustainable Business Outcomes by Operationalizing Analytics

Description:
Organizations who want to see measurable and sustainable business results from analytics must focus on embedding analytic processes and insights into day-to-day operations that enable analytically driven decision making.

This session will cover moving analytics from an ad-hoc offline process to an integral part of business decisions and operations. We will share our overall framework for operationalizing analytics and how to apply analytics to improve customer interactions, revenue generation, cost management, risk data aggregation & reporting (RDAR), stress testing, and more.

In addition, participants will receive a detailed whitepaper, technical blueprint and self-assessment survey designed to help determine their organization’s maturity toward operationalizing analytics.

Speakers:
Ken Elliott, Ph.D., Global Director of Analytics, Analytics & Data Management, Hewlett Packard Enterprise Services


The Optimization Journey: From “Lost in Spreadsheets” to Business Heroes

Description:
In an era where data and analytics must unite to deliver power smarter, faster and transparent decisions, businesses in all industries are still dependent on basic spreadsheets and BI tools to solve complex problems. In this interactive session, hear real stories and see how several organizations used FICO Decision Management Suite technology to guide them through a journey from confusion and desperation to uncovering new insights, with all the rigor of advanced mathematics and analytics, but none of the complexity.

Speakers:
Rick Marshall, Director, Optimization Solutions, FICO

Horia Tipi, Global Practice Leader, Optimization, FICO


Convergence of Fraud and Cyber Risk Management

Description:
Fraud continues to be a key concern for banks and their regulators, and much of the fraud we see today results from security issues ranging from ATM skimmers to large-scale data breaches. The intersection of fraud and security with key compliance regimes such as AML and KYC provides opportunities for technology leverage, operational efficiencies, and improved results. This session will explore some of the key connections between cyber risk, fraud, and compliance, and will include perspectives on the topic from a US regulatory perspective as provided by the OCC.

Speakers:
Doug Clare, Vice President, FICO

Valerie Abend, Senior Critical Infrastructure Officer, Office of the Comptroller of the Currency (OCC)


How Do You Manage Risks of Enterprise Data? – Panel

Description:
Get a CISO (Chief Information Security Officer) perspective on countering the global cyber threatscape in a panel session featuring FICO’s CISO Vickie Miller (T.E.N.’s Information Security Executive of the Year) and industry leading CISOs from Forcepoint and MIAX Options. Exchange and discuss the evolving role in Risk and Security to target key issues CISOs are facing.

Speakers:
Cindy White, Senior Director, Product Marketing, FICO

Vickie Miller, CISO, FICO

David Barton, CISO, Forcepoint

John Masserini, CISO, MIAX Options Exchange


10 Fraud and Security Disruptors You Need to Know About – Forrester Research

Description:
Do you know the ten most significant disruptive changes in fraud for 2016 and beyond? Are you prepared to combat these disruptive changes to the fraud ecosystem? This session explores the ten disruptive changes and what you can do to be prepared for the challenges.

Speakers:
Julie May, Vice President Fraud Product Management, FICO

Andras Cser, Vice President and Principal Analyst, Security and Risk, Forrester Research


Tackling Financial Crimes Compliance (FICO Decision Management Award Winner) *

Description:
Today, a single integrated risk-based approach in compliance is crucial to address the extensive risk sources and meet increasingly stringent legal requirements. Silo solutions can’t detect sophisticated attacks through customer channels and business divisions and fail to provide a holistic picture of the risk situation. This session highlights the benefits of a risk based approach and provides lessons learned from two FICO customers, Finanz Informatik and Vitalis.

Speakers:
Frank Holzenthal, Senior Director, FICO TONBELLER

Monder Houas, CEO, Vitalis

Stefan Segerer, Product Manage, AMLA Research, Finanz Informatik GmbH & Co. KG.


Are You Ready for the Surge in Application Fraud?

Description:
New account or Application fraud is growing as sophisticated fraudsters and cybercriminals exploit new opportunities. With online applications and omni channel access, there are many ways to perpetrate application fraud and the damage continues to grow. This session outlines strategies and technologies to respond to this risk, facilitate fraud analyst decision-making and efficiency, and provide better services to customers.

Speakers:
Adam Davies, Senior Director Fair Isaac Advisors, FICO


Mobile Commerce, the Next Fraud Frontier – CEB TowerGroup

Description:
As m-Commerce grows in both volume and value, how to manage fraud in mobile channels is more critical to success than ever. CEB TowerGroup analyst Jason Malo and FICO’s Fraud leader TJ Horan discuss the impact of m-commerce on Fraud Management strategies.

Speakers:
TJ Horan, Vice President, Product Management, FICO

Jason Malo, Executive Advisor, CEB TowerGroup


Managing Fraud and Risk to Keep Pace with Payment Speed

Description:
The increasing speed of global payments drives increased need for real time review of transactions and real time fraud prevention. As payment windows get smaller, what lessons have we learned where payments are already conducted at the speed of the Internet? NACHA, the organization that manages the development, administration, and governance of the ACH Network in the US joins us to discuss the movement towards faster payments in the US and fraud management lessons to consider as payment systems evolve.

Speakers:
Julie May, Vice President, Product Management, FICO

Bill Sullivan, Senior Director and Group Manager, Government and Industry Relations, NACHA


Global Fraud Imperatives Roundtable

Description:
What are the top concerns and market imperatives for success for heads of fraud? Find out in this global panel of fraud leaders led by Bob Shiflet FICO’s VP and General Manager of Fraud and Security

Speakers:
Bob Shiflet, Vice President and General Manager, FICO

Matt Powell, Managing Director of Global Fraud, Citibank

Sanjay Nandrajog, Head, Retail Risk Operations, Standard Chartered Bank

Halis Koseoglu, Security and Merchants Operations Vice President, Akbank

Neill Haskin, SVP Enterprise Fraud Detection & Governance, Bank of America


Using Entity Resolution, Network Analysis and Predictive Analytics to Unmask Insurance Fraud – Panel *

Description:
Insurance fraud is a moving target that requires insurers to constantly evolve their detection strategies and stay a step ahead of changing tactics. This session will feature a panel of industry practitioners and their use of predictive analytics, network analysis, and advanced business rules to identify even the most innovative cases of claims fraud.

Speakers:
Liz Lasher, Director, Fraud and Compliance Solutions, FICO

Paul Midlane, GM: Legal, Governance, Risk and Compliance, AfroCentric Health Group

Jay Loden, Asst. Director, Data Analytics, Kaiser Permanente

Mo Masud, Executive Director, Strategic Clients and Emerging Markets, Linium, Inc. and former CIO, Unica Insurance


Success Story – SulAmerica: Using Predictive Analytics to Cut Fraud, Waste, and Abuse from Heath Insurance Claims *

Description:
A detailed study of the challenges and benefits SulAmerica encountered while injecting predictive analytics into their claims review process. Learn how claims scoring and exclusion rules are now used on a daily basis to reduce fraud, waste, and abuse while increasing savings month after month.

Speakers:
Derek Dempsey, Principal Consultant, Fair Isaac Advisors

Erika Fuga, Director of Claims, SulAmerica

Fabiano Carraro, Superintendent of Claims and Reimbursement, SulAmerica


Success Story – Kaiser Permanente: Connecting The Dots That Expose Healthcare Identity Fraud (FICO Decision Management Award Winner)

Description:
Drug seeking tied to Opiate abuse and medical identity fraud are two of the biggest challenges facing the US healthcare system. To address both of these costly concerns, Kaiser Permanente worked with FICO to confirm prior suspicions of phony identities being used to gain access to controlled substances. This session will focus on specific examples of the findings as well as the approach and technology used to navigate a very complex problem.

Speakers:
Mike McFadden, Principal Consultant, Insurance Fraud and Protection, FICO

Jay Loden, Asst. Director, Data Analytics, Kaiser Permanente

Mohit Singhal, Director, Shared Analytics, Kaiser Permanente


Success Story – AfroCentric –A Consortium-Based Approach to Health Care Fraud Mitigation

Description:
Learn how one South African health care payer is using “out of the box” predictive analytics to address claims fraud, waste and abuse in a nascent consortium environment. They’ll discuss how the common fight against fraud—and the universal language of mathematically based fraud solutions—can transcend cross-cultural differences.

Speakers:
Paul Midlane, General Manager: Legal, Governance, Risk and Compliance, AfroCentric Health Group


Expanding Access to Mortgage Credit

Description:
An estimated 28M consumers have insufficient information at the nationwide consumer credit reporting agencies (CRAs) to generate a FICO Score and another 25M consumers have no credit file, making them essentially credit invisible. In an environment where mortgage lenders are seeking to grow originations and safely expand access to credit, this session explores the opportunity to improve access to mortgage credit by leveraging rental payment data.

Speakers:
Joanne Gaskin, Senior Director, FICO

Michael Turner Ph.D. President and CEO, PERC


Mortgage Growth & Origination Strategies -Panel

Description:
Mortgage lenders everywhere struggle with acquiring new clients and retaining them. The mortgage lending transaction presents a pivotal opportunity to connect with a customer and build a relationship that will last for years. This session will highlight analytic advances in the identification of consumers with a high propensity to consume mortgage credit with a particular focus on first time homebuyers. Also, through the use of sophisticated decision models and optimization technology that incorporates your unique lending guidelines, mortgage lenders can improve front-line sales effectiveness and retention by providing product options that are specific to the customer. Learn more about how advances in technology can boost productivity and improve the consumer experience thus benefiting long-term consumer satisfaction and the consumer relationship.

Speakers:
Joanne Gaskin, Senior Director, FICO

Christopher Ralph, FICO

Scott Schulz, Ph.D., FICO


Consumer Credit Trends and Risks on the Horizon – Panel

Description:
Looking around the corner, the mortgage industry and policy makers are carefully assessing the multitude of factors that may affect the housing market. While homeownership is projected to continue to grow, there are concerns that regulations, interest-rate hikes, consumer’s debt burden and growing lack of affordability could curtail the continued housing recovery. While mortgage credit performance remains quite good, this session explores the credit, regulatory and economic factors at play.

Speakers:
Joanne Gaskin, Senior Director, FICO

Edward Pinto, Codirector and Chief Risk Officer, International Center on Housing Risk, American Enterprise Institute

Ramesh Lakshminarayanan, Executive Vice President and Chief Risk Officer, Nationstar Mortgage

Sean Becketti, Chief Economist, Freddie Mac


Decision Management Suite: Overview

Description:
Discover the power of an integrated suite of tools and capabilities that will drive consistent and automated data driven customer engagement. A top down review of DM Suite, its components and rationale.

Speakers:
Dave Lightfoot, Vice President, Product Management, FICO


Decision Management Suite: Analyze

Description:
Learn how FICO’s predictive analytics tools can discover insight from structured or unstructured data from anywhere inside or outside your organization.

Speakers:
Andy Flint, Product Management, Senior Director, Product Management, FICO

Osvaldo Droillet, Senior Principal Scientist, FICO


Decision Management Suite: Decide

Description:
Codifying and articulating decision-making processes is at the heart of turning analytic insights into action. Coverage to highlight DMN Modeler and Decision Modeler

Speakers:
Fernando Jorge, Director, Product Management, FICO

Jeremy Chen, Director, Product Management, FICO


Decision Management Suite: Optimize

Description:
Having options is good but how do you decide what’s the BEST option? That’s where optimization technologies come in. Explore FICO’s industry leading optimization technologies and solutions to discover the best insight. Exploration of Optimization Modeler and Xpress.

Speakers:
Oliver Bastert, Senior Director, Product Management, FICO

Neill Crossley, Director, Product Management, FICO


Decision Management Suite: Engage & Improve

Description:
With data driven insights and offers in hand, the question now is what do you do to engage with customers in the manner that suits them? FICO delivers a number of integrated technologies to develop data driven applications, and manage and adapt the customer engagement process. Coverage includes Application Studio & Model / Decision Central.

Speakers:
Fernando Jorge, Director, Product Management, FICO

Andy Flint, Senior Director, Product Management, FICO


Decision Management Suite: Execute

Description:
The key to making a Decision Management solution work effectively is in integrating new and 3rd party technologies and enabling a collaborative development process. At the heart of the DM Suite is the Decision Management Platform, a unique collaboration execution framework that differentiates and empowers analytic and decision science. The DM Suite was architected to leverage data stream analytics for real time. Lastly being able to execute on non-FICO predictive models (PMML and SAS) is critical for a comprehensive decision management solution.

Speakers:
Shalini Raghavan, Senior Director, Product Management, FICO

Fernando Jorge, Director, Product Management, FICO


Decision Management Suite: Manage & Govern

Description:
Discover the new power of FICO Strategy Director, a new way to develop and enhance decision and analytic strategies by changing the conceptual model for configuration and customization. Session will also cover Model / Decision Central.

Speakers:
Bruno Courbage, Director, Product Management, FICO

Andy Flint, Senior Director, Product Management, FICO


Decision Management Suite: Stream & Integrate

Description:
Organizations need to derive insights from historical data with active data streams (e.g. transactions, web or mobile applications) to compete effectively. FICO Decision Management Platform Streaming is a stream processing platform that accelerates decision-readiness. It combines ingestion, correlation and analytic processing on batch and streaming sources. Learn more about this revolutionary streaming platform in this session.

Speakers:
Shalini Raghavan, Senior Director, Product Management, FICO


Decision Management: New Tech

Description:
FICO is always investing in new analytics and decisioning technologies. Discover the new capabilities integrated into the FICO Decision Management Suite that can dramatically improve predictive and decision yield.

Speakers:
Mike Betron, Director, Product Management, FICO

Osvaldo Droillet, Senior Principal Scientist, FICO


Risk Data Aggregation and Reporting: Driving Business Value While Ensuring Compliance

Description:
While banks are confronting an increasing number of regulatory requirements, meeting these challenges and ensuring compliance will depend on having their data house in order. The Basel Committee’s BCBS 239 details the framework and processes surrounding risk data governance, aggregation and reporting across an entire financial institution. While banks race to comply with this principle-based regulation, additional compliance requirements in the form of Europe’s CRD-IV (Capital Requirement Directive) and IASB’s IFRS 9 (new accounting standards for recognizing loan losses) will both have direct implications for the way banks handle risk data. This session will feature experts detailing how banks, both in the EU and around the globe, can employ strategies to ensure data quality and compliance while at the same time producing valuable benefits that support the business.

Speakers:
Anna Napier, Global Regulatory Solutions Leader, FICO

Jeremy Bryson, Head of Architecture and Risk Systems, Lloyds Banking Group


Developments in Global Privacy and Information Security Compliance *

Description:
Data privacy and cybersecurity are 21st century problems for companies and for nations, as hackers target company and national secrets. In the past year Europe’s highest court invalidated the Safe Harbor program, which had allowed personal information to flow from Europe to the U.S., and the EU replaced it with the Privacy Shield. After more than 4 years of debate, the EU also replaced its 20 year old Privacy Directive with the General Data Privacy Regulation. APEC has adopted new privacy laws. Russia now requires data on its citizens to reside on Russian servers. The U.S. enacted cybersecurity laws to control NSA surveillance and facilitate data sharing between the government and private companies. Data breaches are not uncommon, and U.S. regulators are doubling down on privacy and security investigations. What should a company do to respond to this new environment?

Speakers:
Vance Gudmundsen, Regulatory Counsel and Chief Privacy Officer, FICO

Vickie Miller, Chief Information Security Officer, FICO


Leading Practices in Capital Adequacy – Panel

Description:
While Financial Institutions are working globally to meet regulatory requirements that require an unprecedented spend on human resources and technology, many are simply overwhelmed by the number of regulations with which they must comply. As a result, for many tier banks, regulatory reporting remains a reactive exercise and largely compliance driven with the results of stress testing not being embedded into business planning. Stress-testing should help drive business planning and risk management policies. Establishing clear linkages between risk appetite, business planning and stress testing will allow firms to prepare for both regulatory and market-based impacts with efficient capital allocation. Join this session to discuss best practices in establishing enterprise stress testing platforms to answer broader risk management and business objectives, such as: “For which applications or decisions will stress testing be a key input or driver?”; “Should risk appetite be articulated based upon tolerances in a stress environment?”; and “Should capital requirements from stress testing be used for performance management or loan pricing?”

Speakers:
Joanne Gaskin, FICO, Senior Director, Scores and Analytics

Dr. Anna Napier, FICO, Director, Integrated Risk Strategy

Abigail Gammie, Managing Director, International Financial Services, Berkeley Research Group LLC

Jeremy Bryson, Head of Architecture and Risk Systems, Lloyds Banking Group


Success Story – From Model Validation to Model Lifecycle Management: How ANZ Enhanced Regulatory Compliance through More Effective and Efficient Model Management Practices

Description:
Organizations rely on models across the entire credit lifecycle for better decision making. As the number of models and their complexity increases, it becomes more challenging to monitor and validate them. As a result, model lifecycle management becomes an indispensable practice for managing model risk and to ensure that your organization is prepared to meet increasing regulatory scrutiny.

During this session, ANZ’s Global Head of Retail Risk Models will share how the bank addressed the challenges associated with managing the risk of a large inventory of decision and rating models; ensuring effective decision making and compliance. In addition, FICO experts will highlight how this work provides a framework use case for implementing a comprehensive approach to model lifecycle management including inventorying models, metadata, attributes, model validation reporting, information management, identifying how models are deployed, aligning model governance with industry best practice and automation of model life cycle management process.

Speakers:
Alissa McCarthy, Principal Consultant, FICO

Ankit Khandelwal, Client Partner, FICO

Soumya Dasgupta, Global Head of Retail Risk Models, Australia and New Zealand Banking Group Limited (ANZ)


Successful Customer Communications: Effectively Leveraging Mobile, Voice, and Text in a Challenging Regulatory Environment

Description:
Last summer, the U.S. Federal Communications Commission (FCC) issued an Order responding to a number of outstanding questions about the Telephone Consumer Protection Act. For many, the Order failed to provide the certainty in the law that organizations across all sectors had sought. Organizations have taken different approaches to the new rules for sending fraud alerts, payment reminders, service notifications and credit line increases. This session will provide an overview of the regulatory challenges impacting customer communications and will highlight best practice approaches through a number of use cases.

Speakers:
Vance Gudmundsen, Regulatory Counsel and Chief Privacy Officer, FICO

Adam Barrett, Director, Product Management, FICO


Understanding your Organization’s Financial Crime Compliance Risk and the Influences Shaping Today’s Risk Strategies

Description:
As global regulatory expectations continue to increase, organizations are being exposed to a greater degree of compliance risk than ever before. As a result, taking a comprehensive view across the full customer life cycle is now an imperative for successful financial crime management. Join two FICO experts in a discussion on the latest threats and how best to equip your business for meeting the increasing regulatory scrutiny around AML, KYC, fraud prevention, tax compliance and business partner due diligence.

Speakers:
TJ Horan, FICO, Vice President, Fraud Product Management

Torsten Mayer, FICO, Vice President, Financial Crimes Solutions


Tackling Financial Crimes Compliance *

Description:
Today, a single integrated risk-based approach in compliance is crucial to address the extensive risk sources and meet increasingly stringent legal requirements. Silo solutions can’t detect sophisticated attacks through customer channels and business divisions and fail to provide a holistic picture of the risk situation. This session highlights the benefits of a risk based approach and provides lessons learned from two FICO customers, Finanz Informatik and Vitalis.

Speakers:
Frank Holzenthal, Senior Director, FICO TONBELLER

Monder Houas, CEO, Vitalis

Stefan Segerer, Product Manage, AMLA Research, Finanz Informatik GmbH & Co. KG.