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    Scott Zoldi

    Scott Zoldi

    All posts by Scott Zoldi

    Scott Zoldi is chief analytics officer at FICO responsible for the analytic development of FICO's product and technology solutions. While at FICO, Scott has been responsible for authoring 105 analytic patents, with 53 granted and 52 pending. Scott is actively involved in the development of new analytic products and Big Data analytics applications, many of which leverage new streaming analytic innovations such as adaptive analytics, collaborative profiling and self-calibrating analytics. Scott is most recently focused on the applications of streaming self-learning analytics for real-time detection of cyber security attacks. Scott serves on two boards of directors, Software San Diego and Cyber Center of Excellence. Scott received his Ph.D. in theoretical and computational physics from Duke University.

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    • AI Helps You Read a Customer's Pandemic "Story" AI Helps You Read a Customer's Pandemic "Story"
      AI Helps You Read a Customer's Pandemic "Story"
      November 10, 2020
      Customer Development

      My first post in this series posed the essential question, “When uncertainty abounds, how can banks and merchants use artificial intelligence (AI) to successfully reopen, and engage with customers to meet their changing needs?” This blog explains the importance and benefits of constantly scanning transaction data for new insights, as well as related privacy concerns.…

      Scott Zoldi by Scott Zoldi
    • How to Track Customer Changes in the Pandemic with AI How to Track Customer Changes in the Pandemic with AI
      How to Track Customer Changes in the Pandemic with AI
      October 28, 2020
      Customer Development

      Nine months into the pandemic, a “new normal” remains elusive. Consumer sentiment and credit scores are up. But in Europe new lockdowns are in force, US reopenings fluctuate on a daily basis, and masses of new and existing customers are embracing a digital lifestyle as never before. When uncertainty abounds, how can banks and merchants use artificial intelligence t…

      Scott Zoldi by Scott Zoldi
    • Is COVID-19 Leading to More Food Delivery Fraud? Is COVID-19 Leading to More Food Delivery Fraud?
      Is COVID-19 Leading to More Food Delivery Fraud?
      October 19, 2020
      Fraud Protection & Compliance

      Last week I shared FICO’s insights into fraud patterns related to spending on medical devices, including personal protective equipment (PPE) and medical devices such as nebulizers. This post examines whether increased food deliveries are causing a similar rise in food delivery fraud. Home food delivery has skyrocketed during the pandemic; from January to July 2020,…

      Scott Zoldi by Scott Zoldi
    • New Data Shows 3x Jump in Medical Equipment Fraud New Data Shows 3x Jump in Medical Equipment Fraud
      New Data Shows 3x Jump in Medical Equipment Fraud
      October 12, 2020
      Fraud Protection & Compliance

      Nothing presents more opportunities to fraudsters than change, and 2020 has served up plenty. As the COVID-19 pandemic has unfolded, we’ve seen rapid change in a wide range of consumer behaviors. This has yielded a rise in medical equipment fraud and put banks’ fraud detection systems into overdrive. Luckily, the FICO® Falcon® Platform incorporates advanced AI and mac…

      Scott Zoldi by Scott Zoldi
    • 5 Key Research Findings on Enterprise Artificial Intelligence 5 Key Research Findings on Enterprise Artificial Intelligence
      5 Key Research Findings on Enterprise Artificial Intelligence
      July 13, 2020
      Decision Management

      Hot off the press today is a FICO-commissioned research study on artificial intelligence and how Chief Analytics Officers (CAOs) and Chief Data Officers (CDOs) are responding to the current pandemic, economic uncertainty, and renewed focus on social justice. In additional to a survey, in-depth interviews with the top AI leaders at HSBC, AXA PPP, Banorte, and Chub…

      Scott Zoldi by Scott Zoldi
    • Artificial Intelligence: Make it Ethical, Explainable, and Efficient Artificial Intelligence: Make it Ethical, Explainable, and Efficient
      Artificial Intelligence: Make it Ethical, Explainable, and Efficient
      June 24, 2020
      Decision Management

      In a three-part series on TechTargets IoT Agenda I explore the three most critical topics related to artificial intelligence: ethics, explainability and efficiency. I called this the 3 E’s of AI and you can read the full series here.  Eliminating Bias In the first article, First an Intro to Ethical Artificial Intelligence, I explore the challenge of deliver…

      Scott Zoldi by Scott Zoldi
    • Data Science Tropes: Cowboys and Sirens Data Science Tropes: Cowboys and Sirens
      Data Science Tropes: Cowboys and Sirens
      June 18, 2020
      Decision Management

      This blog post originally appeared in AiTHOROITY. As Abraham Maslow—he of the eponymous hierarchy of needs—said in 1966, “I suppose it is tempting, if the only tool you have is a hammer, to treat everything as if it were a nail.” To a fledgling Data Scientist (say, a college sophomore) who has just found out about the wonders of Machine Learning (ML), nothing beats…

      Scott Zoldi by Scott Zoldi
    • Slow EMV Conversion Invites Fraudsters to Self-Serve at Gas Stations Slow EMV Conversion Invites Fraudsters to Self-Serve at Gas Stations
      Slow EMV Conversion Invites Fraudsters to Self-Serve at Gas Stations
      June 15, 2020
      Fraud Protection & Compliance

      With an October 1, 2020 deadline to have EMV chip card readers installed on the nation’s 1 million fuel dispensing pumps, the number that remain to be converted could be as high as 75%, industry experts say. The prevalence of magnetic-stripe readers, coupled with road-tripping Americans’ out-of-pattern spending behaviors, creates a perfect storm for fraudsters to use…

      Scott Zoldi by Scott Zoldi
    • Detecting Prepaid Card Fraud: A Multi-Layered Approach Detecting Prepaid Card Fraud: A Multi-Layered Approach
      Detecting Prepaid Card Fraud: A Multi-Layered Approach
      March 18, 2020
      Fraud Protection & Compliance

      As I recently blogged, the use of prepaid cards is growing, in forms ranging from one-time gift cards to reloadable payment mechanisms for benefit distribution. In that blog I introduced FICO’s patented Multi-Layered Self-Calibrating (MLSC) fraud model, which we have successfully deployed to overcome regional- and usage-specific variations in normal prepaid card spend…

      Scott Zoldi by Scott Zoldi
    • VIDEO: The REAL Problems with AI – My Talk with Kate Crawford VIDEO: The REAL Problems with AI – My Talk with Kate Crawford
      VIDEO: The REAL Problems with AI – My Talk with Kate Crawford
      March 12, 2020
      Decision Management

      In the world of AI and machine learning, it’s common to hear fear-based statements in the media, or from your neighbors, about what the poor decisions unchecked algorithms might make — everything from denying you credit to launching nuclear missiles. What most people rarely hear about are the actual challenges that cause AI practitioners to worry. At FICO World 201…

      Scott Zoldi by Scott Zoldi
    • FICO Fights Prepaid Card Fraud with AI and Machine Learning FICO Fights Prepaid Card Fraud with AI and Machine Learning
      FICO Fights Prepaid Card Fraud with AI and Machine Learning
      March 09, 2020
      Fraud Protection & Compliance

      For a while now, it seems that every drugstore in the U.S. has become a prepaid card store, with rows and rows of gift and other prepaid debit cards on display. It’s no illusion––prepaid services are one of the fastest-growing segments of the financial payments industry. In April 2019 The Wall Street Journal reported, “The total amount loaded on general-use prepaid ca…

      Scott Zoldi by Scott Zoldi
    • How Big Is the Rideshare Fraud Problem? How Big Is the Rideshare Fraud Problem?
      How Big Is the Rideshare Fraud Problem?
      February 24, 2020
      Fraud Protection & Compliance

      In just a decade, ridesharing services like Uber and Lyft have changed the way people get around. Hailing a cab or driving yourself has morphed into requesting a pickup on an app from these and other peer-to-peer transportation network companies (TNC). But has this shift in consumer habits created a growing rideshare fraud problem? Using large data sets gathered fr…

      Scott Zoldi by Scott Zoldi
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