Deep Dive: How to Make "Black Box" Neural Networks Explainable
Neural networks are a powerful form of machine learning, but their black box nature often defies explainability. We have found a solution to this problem.
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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Analytics Predictions 2019: Innovations for Ethical AI
My recent patent work has laid a foundation for what I predict will be the tech industry’s biggest development in 2019: ethical AI.
Machine Learning for AML Gives Pros “Superhuman” Powers
Uncovering hidden patterns in money movement makes machine learning for AML a very attractive enhancement to existing AML operations.
New Analytics for Real-Time Payments Fraud
With a view to stopping real-time payments fraud, FICO recently released the Retail Banking Consumer fraud model.
AI and Machine Learning for Financial Crime — Now on TV (Video)
I was interviewed recently for a new TV program called Tomorrow’s World Today, where I discussed how we are using AI and machine learning for financial crime protection.
Collaborative Profiling for Corporate Card Fraud Detection
Because corporate credit cards have different business-oriented spending patterns than consumer credit cards, we tackled the corporate card fraud detection problem with FICO’s collaborative profiling technology.
Kasparov on AI: Should We Be Afraid of AI? (Video)
At FICO World 2018, I sat down with Chess Grandmaster Garry Kasparov to discuss the hot topics in the world of AI, and asked: Should we be afraid of artificial intelligence?
Kasparov on AI: How Is Artificial Intelligence Evolving? (Video)
At FICO World 2018, I sat down with Chess Grandmaster Garry Kasparov and asked: How is artificial intelligence evolving?
Kasparov on AI: When Deep Blue Beat Me (Video)
One of the landmark moments in the history of AI came 21 years ago, when Chess Grandmaster Garry Kasparov beat IBM supercomputer Deep Blue — and then was beaten by it.
Kasparov on AI: Why Is Explainable AI Important? (Video)
At FICO World 2018, I sat down with Chess Grandmaster Garry Kasparov to discuss the hot topics in the world of AI, and asked: Why is explainable AI so important?
Kasparov on AI: Can We Create Ethical AI? (Video)
At FICO World 2018, I sat down with Chess Grandmaster Garry Kasparov to discuss the hot topics in the world of AI, and asked: What do you think of ethical AI?
Kasparov on AI: Can AI Make Perfect Decisions? (Video)
I sat down with Chess Grandmaster Garry Kasparov to discuss the hot topics in the world of AI, and asked: Should we expect AI to make perfect decisions?
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