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.

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As ATM Fraud Jumps, We Need ATM Profiling

As the US payment card infrastructure continues to move to EMV, fraudsters are turning their targets toward unattended self-service terminals, such as US ATMs, most of which have not yet been upgraded to read EMV chips.

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Rise in E-Payments Fraud Demands New Analytics

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New Analytics Can Make Your Phone a Fraud Watchdog

As mobile banking becomes popular, and even the default for some customers, the channel becomes ever more attractive to hackers and cyber threats.

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Toyota Financial Drives “Data Science for Good” with FICO Analytics

“Going into debt collections is a hard time for a lot of people, but our goal is to respect them throughout the process and to keep them as Toyota and Lexus drivers."

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Intelligence of Things: Can Your Air Conditioner Fight Crime?

We need the right intelligence and security onboard, in the devices, in order for them to become aware when they might be manipulated or failing

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All posts by Scott Zoldi

Scott Zoldi

All posts

As ATM Fraud Jumps, We Need ATM Profiling

Rise in E-Payments Fraud Demands New Analytics

New Analytics Can Make Your Phone a Fraud Watchdog

Toyota Financial Drives “Data Science for Good” with FICO Analytics

Intelligence of Things: Can Your Air Conditioner Fight Crime?

EU’s General Data Protection Regulation Is Right to Be Tough

Four Analytic Breakthroughs That Are Driving Smarter Decisions

AI on Campus: The Next Generation of Data Scientists

Maximizing Customer Value with Sequential Decisions

New Ways Your Personal Patterns Can Fight Fraud

Three Challenges in the Analytic Talent Crunch

5 Predictions for 2016: The Year of Prescriptive Analytics

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