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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Deep Learning Analytics: The Next Breakthrough in Artificial Intelligence?
With countless analytic advances based on our understanding of how the brain works, many of us in the data science field...
How Deep Learning Analytics Mimic the Mind
Due to the recent acquisition of DeepMind by Google for an estimated  $500+ million, and the movement of some acad...
Non-Monetary Clicks Betray Fraudsters in Retail Banking
Last summer, a $1.5 million bank/wire fraud case garnered quite a few news headlines. A bank account of a Ca...
Card-Not-Present Tops Concerns in US Fraud Trends Research
We’ve just completed our most recent analysis of data from the FICO® Falcon® Fraud Manager Consortium, looking at fraud ...
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...
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...
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