TJ Horan

TJ Horan is vice president of Product Management at FICO, leading the Solution Product Management team for Lifecycle Products. TJ began his career with DuPont, where he helped design and maintain Expert Systems for process control. Since then, TJ has held a variety of technical and management roles in the fields of analytics, fraud and risk management, and decision management at industry leading companies such as HNC Software and SAS. TJ holds a B.S. in computer science and a M.S. in statistics, both from the University of South Carolina.

Omnichannel Communications Help Banks Serve the Neurodivergent

For neurodivergent people struggling with debt, such as those with ADHD or autism, an omnichannel approach helps them meet payment deadlines and keep debt under control

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The Future of Fraud Protection: From Platforms to Agentic AI

A new report from Chartis Research shines a spotlight on how fraud platforms, GenAI, agentic AI and real-time payments are driving fraud protection forward

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What to Do If You Fall for a Scam - 3 Examples

Fraudsters are using increasingly sophisticated tactics to scam consumers out of their money, but there are practical and immediate steps you can take if you’ve responded to a scam

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Real-Time Payments Rails like FedNow Need Enhanced Fraud Protection

Real-time payments attract real-time fraud, so banks and other financial institutions need the best tools and technology to protect their customers

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Is Bust-Out Fraud Hiding as Bad Debt on Your Balance Sheet?

Bust-out fraud is a type of fraud that often masquerades as bad debt - but it can never be collected, because the account owner has no intention to pay

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Real-Time Payments Fraud Is Growing - Here's How to Prevent It

As real-time payments take off and begin to dominate ecommerce growth, banks must address real-time payments fraud with sensible friction and personalized notifications

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Real-Time Payments Fraud: Are New Regulations and Liability Shifts Coming?

The growth of fraud associated with real-time payments has already caused liability and regulatory changes abroad – will it happen in the United States too?

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Hyper-Personalization for Payments and Fraud Protection

With looming regulatory changes and shifting customer expectations, banks need to give hyper-personalized experiences to customers to help stop scam payments

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To Stop Scams, It’s Time to Add Sensible Friction to Easy Money

The convenience and speed of real-time payments makes it easy for fraudsters to scam individuals. It’s time to consider sensible friction in the process.

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bias artificial intelligence, explainability in fraud management

Artificial Intelligence: From Hollywood to the Mainstream

Artificial intelligence has gone from Hollywood concept to an everyday fact. This post explores applications and considerations for AI in financial services.

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FICO World 2023 - Agenda Focuses on 3 Key Fraud Strategies

FICO’s annual conference is the place to learn more about making decisions at scale – not least for those fighting fraud

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Defending Your Fully Digital Wallet Against Fraud

Moving to a primarily digital wallet doesn’t mean sacrificing fraud protection – in fact, it means stepping up protection against scams

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All posts by TJ Horan

TJ Horan

All posts

Omnichannel Communications Help Banks Serve the Neurodivergent

The Future of Fraud Protection: From Platforms to Agentic AI

What to Do If You Fall for a Scam - 3 Examples

Real-Time Payments Rails like FedNow Need Enhanced Fraud Protection

Is Bust-Out Fraud Hiding as Bad Debt on Your Balance Sheet?

Real-Time Payments Fraud Is Growing - Here's How to Prevent It

Real-Time Payments Fraud: Are New Regulations and Liability Shifts Coming?

Hyper-Personalization for Payments and Fraud Protection

To Stop Scams, It’s Time to Add Sensible Friction to Easy Money

Artificial Intelligence: From Hollywood to the Mainstream

FICO World 2023 - Agenda Focuses on 3 Key Fraud Strategies

Defending Your Fully Digital Wallet Against Fraud

Take the next step