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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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    • Beyond Responsible AI: 8 Steps to Auditable Artificial Intelligence Beyond Responsible AI: 8 Steps to Auditable Artificial Intelligence
      Beyond Responsible AI: 8 Steps to Auditable Artificial Intelligence
      June 22, 2021
      Decision Management

      With novel artificial intelligence (AI) applications multiplying like rabbits these days, it may seem like the current wave of AI innovation is all beer and skittles. Lawsuits have a way of sobering up any metaphorical party and, in the wake of numerous high-profile racial bias and fairness cases, The Wall Street Journal reports that companies including Google, Twitte…

      Scott Zoldi by Scott Zoldi
    • FICO Integrates Fraud and Scam Detection in FICO Falcon Retail Banking 3.0 Model FICO Integrates Fraud and Scam Detection in FICO Falcon Retail Banking 3.0 Model
      FICO Integrates Fraud and Scam Detection in FICO Falcon Retail Banking 3.0 Model
      May 26, 2021
      Fraud Protection & Compliance

      I’m very pleased to announce the release of the FICO® Falcon® Fraud Manager Retail Banking Consumer v3.0 model, which adds a Scam Detection Score to Falcon’s existing third-party fraud detection score for retail banking transfers. The two scores will allow banks to better differentiate strategies to deal with these distinct financial crime realities. The Rise of Sc…

      Scott Zoldi by Scott Zoldi
    • It’s 2021. Do You Know What Your AI Is Doing? It’s 2021. Do You Know What Your AI Is Doing?
      It’s 2021. Do You Know What Your AI Is Doing?
      May 25, 2021
      Decision Management

      Responsible AI has been one of my big topics for a few years now, the subject of many articles, blogs and talks I’ve given to audiences around the world. So how are companies faring in adopting Responsible AI, making sure they are using artificial intelligence ethically, transparently, securely and in their customers’ best interests? The short answer: not great. A…

      Scott Zoldi by Scott Zoldi
    • Open Banking: Will COVID-19 Unleash a Pandemic of Fraud? Open Banking: Will COVID-19 Unleash a Pandemic of Fraud?
      Open Banking: Will COVID-19 Unleash a Pandemic of Fraud?
      March 29, 2021
      Fraud Protection & Compliance

      In April of 2020, as COVID-19 proliferated across the globe, a 99-year-old former British army Captain began walking laps in his garden to raise money for the UK National Health Service (NHS). At the time, NHS was in a heated battle against the rapidly spreading virus, and Captain Tom’s heroics quickly pulled in more tha £30 million in donations. However, Captain Tom…

      Scott Zoldi by Scott Zoldi
    • Trusted AI: The Science of Monotonicity in Neural Networks Trusted AI: The Science of Monotonicity in Neural Networks
      Trusted AI: The Science of Monotonicity in Neural Networks
      March 24, 2021
      Decision Management

      Welcome to Part 2 of my exploration of monotonicity in neural networks. In this blog I’ll get into some of the data science techniques we’ve developed at FICO to ensure monotonicity in neural networks. Monotonicity is essential to build trust and auditability in decision models used in regulated industries such as lending, where fair, unbiased decisioning is the top p…

      Scott Zoldi by Scott Zoldi
    • FICO AML Threat Score Slashes Alert False Positives FICO AML Threat Score Slashes Alert False Positives
      FICO AML Threat Score Slashes Alert False Positives
      March 04, 2021
      Fraud Protection & Compliance

      For decades, anti-money laundering (AML) detection software has been rules-based, creating a problematic two-fold legacy: first, much true criminal activity goes undetected because criminals can learn the rules and then evade them. Second, rules-based AML systems create an inordinate amount of false positive alarms, diverting investigative resources from pursuing genu…

      Scott Zoldi by Scott Zoldi
    • Trusted AI: The Challenge of Monotonicity and Palatability Trusted AI: The Challenge of Monotonicity and Palatability
      Trusted AI: The Challenge of Monotonicity and Palatability
      February 11, 2021
      Decision Management

      No matter how much I evangelize critical strategic issues like AI governance, I am always an analytic scientist at heart. In this post I’ll share key machine learning (ML) techniques we’ve developed at FICO to ensure monotonicity in neural networks. Monotonicity is essential to build trust in decision models used in regulated industries such as lending. Here’s the…

      Scott Zoldi by Scott Zoldi
    • What Is Responsible AI? What Is Responsible AI?
      What Is Responsible AI?
      January 04, 2021
      Decision Management

      I recently did a Q&A for TechTarget’s WhatIs.com where I answered questions about Responsible AI. After that exchange I thought our FICO Blog readers might like to read the Q&A, and I’m sharing my definition of Responsible AI below. What is Responsible AI? Artificial intelligence (AI) technology underpins decisions that profoundly affect everyone; respon…

      Scott Zoldi by Scott Zoldi
    • AI Governance: Why Should You Care? AI Governance: Why Should You Care?
      AI Governance: Why Should You Care?
      December 16, 2020
      Decision Management

      AI governance is a hot topic and FICO’s chief analytics officer Scott Zoldi recently published an article in InformationWeek explaining why boards of directors need to pay close attention to artificial intelligence. According to Scott, “the increasing magnitude of AI’s life-altering decisions underscores the urgency with which AI fairness and bias should be ushered on…

      Scott Zoldi by Scott Zoldi
    • Chartis RiskTech100 Awards Rank FICO #1 in Innovation and #1 in AI Solutions Chartis RiskTech100 Awards Rank FICO #1 in Innovation and #1 in AI Solutions
      Chartis RiskTech100 Awards Rank FICO #1 in Innovation and #1 in AI Solutions
      December 11, 2020
      Decision Management

      Every year, the financial technology industry eagerly awaits the Chartis Research RiskTech100. This prestigious ranking of the top 100 players in risk technology is determined by Chartis Research, the leading provider of research and analysis on the global market for risk and finance technology. The report also includes more than 80 category winners. Drum…

      Scott Zoldi by Scott Zoldi
    • AI Predictions 2021: Artificial Intelligence Crosses the Chasm AI Predictions 2021: Artificial Intelligence Crosses the Chasm
      AI Predictions 2021: Artificial Intelligence Crosses the Chasm
      December 10, 2020
      Decision Management

      “Crossing the chasm” is every technologist’s most fervent wish—that their invention leaps the gulf between early adoption and mainstream embrace. Last year I predicted that artificial intelligence (AI) would grow up, with major infrastructure developing around Responsible AI, AI advocacy and AI governance. These and other milestones have come to pass, pushing enterpri…

      Scott Zoldi by Scott Zoldi
    • 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
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