It’s 2021. Do You Know What Your AI Is Doing?
New "State of Responsible AI" report from Corinium and FICO finds that most companies don’t—and are deploying artificial intelligence at significant risk
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 116 AI and software patents, in collaboration with other data and analytic scientists, and he is also named on an additional 46 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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Open Banking: Will COVID-19 Unleash a Pandemic of Fraud?
There is an urgent need for open banking fraud detection, even before banks have sufficient data to train supervised fraud detection models
Trusted AI: The Science of Monotonicity in Neural Networks
In part 2 of this series, I take a deep dive into the data science that drives monotonicity and palatability, qualities that help gain trust in AI
FICO AML Threat Score Slashes Alert False Positives
Now there is a better way to reduce SAR false positives while stopping money laundering
Trusted AI: The Challenge of Monotonicity and Palatability
In part 1 of this series, I explore why it's vital - and difficult - to achieve monotonicity and palatability in certain AI models
AI Governance: Why Should You Care?
Boards of directors need to pay close attention to AI governance, Scott Zoldi writes in InformationWeek
Chartis RiskTech100 Awards Rank FICO #1 in Innovation and #1 in AI Solutions
FICO has been responsible for multiple industry-changing innovations in artificial intelligence, machine learning, and other contextually-driven analytics methods.
AI Predictions 2021: Artificial Intelligence Crosses the Chasm
COVID-19 will push AI into the mainstream, says FICO's Chief Analytics Officer - but further controls are needed
AI Helps You Read a Customer's Pandemic "Story"
The clues are there about changing customer needs
How to Track Customer Changes in the Pandemic with AI
New AI and machine learning technologies can shine a light on how COVID is changing customer behavior
Is COVID-19 Leading to More Food Delivery Fraud?
Home food deliveries have jumped in the pandemic, but FICO data shows that food delivery fraud hasn't
New Data Shows 3x Jump in Medical Equipment Fraud
US card data shows how medical equipment fraud and medical services fraud have changed in the pandemic
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