How Machine Learning Fights "Hypnofraud"
Hypnofraud refers to the success fraudsters are having with convincing people to give them their account data - but the fraud based on this can be detected and stopped.
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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Decision Management Maturity: Raise Yours at FICO World
The DM3 provides an accurate and actionable segmentation of users and businesses against their current capabilities, requirements, skills and end-state objectives.
Machine Learning Improves CNP Fraud Detection Rates by 30%*
FICO’s new machine learning models are much more sensitive to abnormal single transactions, allowing CNP fraud to be detected quickly.
Origination Scores: Say “Yes” to More Credit Applicants
Origination scores add significant value above and beyond the FICO® Score, which is based solely on the data found in a consumer’s credit bureau file.
Unsupervised Learning Part 2: The AML Connection
Today’s post covers three categories of unsupervised learning that FICO has investigated, refined and put into our anti-money laundering (AML) solutions.
E-Commerce Fraud: Machine Learning Speeds Detection
FICO's new CNP fraud detection models have been developed to detect fraudulent e-commerce fraud transactions as quickly as possible, to prevent significant fraud loss from an account.
Today’s Deep Dive: Innovative Unsupervised Learning in AI
This two-part blog unpacks the mysteries of two very different AI techniques: supervised and unsupervised learning.
IoT: Will Your Car Let You Drive Home from the Bar?
In my new post on TechTarget's IoT Agenda, I explore how behavioral analytics could change driving for the better.
Analytic Predictions 2018: 31 Flavors of AI
Here are some of the top things I think we'll see among the 31+ flavors of AI in 2018.
Using AI and Machine Learning to Improve AML
My talk focused on using machine learning and AI-driven analytics to take AML beyond what transaction monitoring, rules-based systems can do.
We Need Defensive AI to Protect Us From AI Attacks
My recent work at FICO to make AI better has drawn upon my background in theoretical physics to create what we call defensive AI. This is needed, because AI-based attacks are not science fiction — they are happening today.
Explainable AI in Fraud Detection - A Back to the Future Story
Explainable AI has become a hot topic in light of the European Union’s GDPR and society’s increasing reliance on AI systems. How does one of FICO's original Explainable AI innovations stack up?
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