Real-Time Learning About Changing Customer Behavior
I’m just back from the Credit Scoring and Credit Control XIII conference in Edinburgh, where last week several FICO coll...
Scott Zoldi
Dr. Scott Zoldi is chief analytics officer at FICO, responsible for artificial intelligence (AI) and analytic innovation across FICO's product and technology solutions. Dr. Scott Zoldi has been listed as an inventor on 100+ patents, in collaboration with other data and analytic scientists, and he is also named on an additional 45+ patent applications in process. Scott is an industry leader in the responsible use of AI, Generative AI (GenAI), and Agentic AI, as well as an outspoken proponent of AI governance and regulation. His groundbreaking work in focused language models (FLMs) for GenAI and a patented use of blockchain technology for AI model development governance has helped propel Scott to AI visionary status. His recent awards include Constellation Research Award AI150, Tech Leadership Award from Banking Tech Awards, Tech Influencer Highly Commendable Award from DataIQ Data & AI Awards, San Diego Business Journal - Leaders of Influence in Technology (2025); Tech Leadership - Software & Services Provider from Fintech Futures, MachineCon AI100 Award, Innovator Award from American Banker (2024); Global Finance Innovator Award (FICO) (2023); and Corinium Future Thinking Award (2022). An enthusiastic member of the southern California tech community, Scott serves on the Boards of Directors of Software San Diego and the San Diego Cyber Center of Excellence. He received his Ph.D. degree in theoretical and computational physics from Duke University, and his work has been published in The Harvard Business Review and numerous scientific journals.
When not at his office or on a plane, Scott can often be found in his Ford Bronco, exploring the desert around San Diego with his family. To hear more of his views follow Scott on LinkedIn and BlueSky @ScottZoldi.
When not at his office or on a plane, Scott can often be found in his Ford Bronco, exploring the desert around San Diego with his family. To hear more of his views follow Scott on LinkedIn and BlueSky @ScottZoldi.
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Solving the Retail Banking Fraud Challenge
While I frequently blog about analytic innovations in card fraud detection, protecting retail banking accounts is equall...
Is It Fraud? Or New Behavior?
A customer makes a card transaction that looks odd compared to her historical behavior patterns. Is this change the firs...
New Fraud Analytics Learn from Global Behavior
My analytics team has been working on some exciting new technologies that improve fraud detection while reducing decline...
Know Customer Favorites to Fight Fraud
Individual cardholders are creatures of habit. Cardholders have "favorites"—or recurrences—over a wide variety...
Customer-Centric Innovations in Fraud Analytics
There's tremendous emphasis on increasing customer centricity in banking these days, and indeed a big focus of my fr...
FICO World Preview: Leveraging Big Data Analytics for Streaming Data
By Scott Zoldi
In my session at FICO World on leveraging Big Data analytics for streaming data, we will be discussing ...
To Boost Customer Centricity, Focus on Your High Spenders
Many banks have automated rules in place that decline card transactions indicative of high fraud risk. In so doing, they...
Reducing the Impact of Card-Not-Present Fraud
The internet has opened up virtually unlimited opportunities for entrepreneurs and zealous shoppers alike. On the flip s...
Dynamic Detection for the Global Fraud Fight
Those of you who follow this blog know that I regularly discuss analytic innovations that boost fraud detection. One suc...
Big Data in Fraud: A Need to Stream
Today’s buzz around Big Data is bringing renewed attention to the need for streaming analytics—a focus that, if you ask ...
Research shows spikes in US card fraud
We've just released new research
from our FICO® Falcon® Fraud Consortium in the US. It revealed some intriguing cre...
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