This blog is the work of a number of people. The authors are:
Andrew Jennings is FICO's chief analytics officer and head of FICO Labs. He has held a number of leadership positions at FICO since joining the company in 1994, including a stint as director of FICO's European operations. Before joining FICO, Andrew served as head of unsecured credit risk for Abbey National plc, where he introduced account behavior scoring and mortgage scoring. He also served as a lecturer in economics and econometrics at the University of Nottingham. He holds a bachelor's degree and Ph.D. in economics, and an MSc in agricultural economics from the University of Wales.
Chisoo Lyons is FICO's vice president for analytics. In her current role, she leads FICO's global advanced analytic initiatives, working with clients in bringing innovative analytic solutions and products to market. Throughout her career at FICO, Chisoo has directed efforts to keep the company at the forefront of analytic and decision technology. She was the driver in the commercialization of a series of analytic products then known as Strategy Science that have often been called the third "decision revolution." Chisoo's numerous roles at FICO have also included business management and client delivery. For eight years, Chisoo led an international client support organization, covering Asia Pacific, Canada, Central/South America, and South Africa. She holds B.S. and M.S. degrees from U.C. Berkeley in industrial engineering and operations research.
Daniel Melo is a principal consultant in FICO EMEA, based in Madrid. He has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.
Rachel leads the analytic team responsible for client support of FICO's Global Scoring analytic products & services—including the industry-leading FICO® Scores in the U.S., as well as delivery and implementation support for FICO® Scores internationally. Rachel has more than 15 years experience in developing and delivering scoring solutions for originations, account management, and marketing applications globally.
Joanne Gaskin is the product management director for Scores at FICO. She is responsible for the strategic direction of FICO's scoring products and business partnerships serving the needs of the mortgage industry, and led the FICO Mortgage Recovery Initiative launched in 2009. Joanne has more than 20 years experience in banking and financial services. She led efforts to address some of the most important topics impacting the mortgage market today: regulatory compliance, credit risk management, data security and e-mortgages. She is a graduate of the Mortgage School of Banking, earning the Accredited Mortgage Professional Designation.
Daniel McConaghy serves as managing director and vice president for FICO in Asia Pacific. Based in Singapore, he leads the company's growth efforts in Asia Pacific. Daniel has over 23 years of experience in building, managing and growing technology businesses in Asia Pacific, and has previously worked for industry stalwarts like Avaya and Lucent Technologies. He holds a masters in business administration from Babson College, and a bachelor's degree in international economics from the University of Connecticut.
Brian Kinch is a senior partner working with FICO's global fraud clients. A seasoned fraud manager in the European banking industry, Brian was most recently head of customer account fraud at Lloyds Banking Group, where he initially designed and implemented the bank's fraud management target operating model. Previously, he worked at Visa Europe's risk management group with specific responsibilities for driving reductions in both issuing and acquiring fraud across the region. He also spent 15 years at HSBC Card Services.
David Molyneaux is a FICO principal consultant with responsibilities that include developing retail credit Basel II solutions for clients. Prior to joining FICO, David was Head of Basel Development-Retail Credit for the RBS Group. Previously, he was senior manager at Deloitte in London, advising clients on risk management and control systems across many countries, in banking and other sectors. He has also held several risk and finance functions in the insurance, transportation, banking and manufacturing industries. David holds a B.S. in economics from Cardiff University and is a CIMA member (Chartered Institute of Management Accountants).
Paul Swyny is a senior manager within the Pre-Sales Consulting Group of FICO. Paul provides consulting assistance to banks and financial institutions in all areas of credit risk management, with a focus on account management and collections and recovery. Prior to joining FICO in 2004, he spent over 15 years at a global collections and recovery solution provider. Leveraging over 20 years in the financial services software industry, Paul has participated in multiple projects spanning account management, collections and risk assessment within consumer credit, and has also been involved in the design of customer management and collections and recovery solutions. His global experience includes work on client engagements in Europe and Asia Pacific, and he is currently based in Melbourne, Australia.
Scott Zoldi is vice president for transaction analytics in FICO’s Analytic Science group. He has responsibility for the analytic development of FICO’s transaction analytics products and solutions, including the FICO™ Falcon® Fraud Manager product. While at FICO, Scott has been responsible for authoring over 30 patent applications related to fraud and transaction analytics. He is actively involved in the development of FICO’s new Falcon 6 product, which includes new analytic innovations such as adaptive analytics, global intelligent profiles, self-calibrating analytics and enterprise analytics. Before joining FICO, Scott was a director’s fellow at Los Alamos National Laboratory. Scott received his Ph.D. in theoretical and computational physics from Duke University and was a DOE computational science graduate fellow.
John Buzzard is the client relations manager for FICO® Card Alert Service, which analyzes more than 65% of all US ATM withdrawals and aids 10,000 financial institutions in the detection and control of losses associated with counterfeit ATM fraud. John is host and moderator of FICO's monthly webinar series “Combating Fraud through Peer Communication,” and is also the creator of FICO's Fraud Forum website, serving over 7,000 financial institution members. John has authored numerous white papers on fraud and payment card compromises, and serves on the board for the Mid Atlantic Chapter of the International Association of Financial Crime Investigators and the ATM Industry Association.
Doug Clare is vice president for FICO’s fraud solutions product management team, focused on fraud prevention/detection software applications. He has been with FICO for more than 25 years, contributing in multiple leadership positions. Prior to managing the product teams for the FICO® Falcon Fraud Manager and FICO® Insurance Fraud Manager product lines, Doug managed FICO’s global relationships with the payment card processors and other channel delivery partners. In previous roles, he has served as FICO’s industry leader for retail and client partner/development team leader for key accounts. Doug has a bachelor’s degree in international relations from the University of Minnesota, Twin Cities.
Frederic Huynh joined FICO in 1996 where he developed and delivered pooled application screening models for various financial institutions. He now works in the Analytic Development group, overseeing the technical redevelopment, maintenance and analytic support of FICO® Scores in North America. Frederic provides technical guidance to Product Management, Legal, Public Relations and Client Support staff on business issues surrounding the FICO Score and other broad-based analytic products. His accomplishments include designing FICO 8 and architecting the FICO Mortgage Score. Frederic has a master’s degree in Operations Research from Stanford University and a bachelor’s degree in Mathematics from Claremont McKenna College.
Daniel Nestel is senior director of Government Relations for FICO. His responsibilities are focused on a wide range of legislative and regulatory issues of interest to the company. A seasoned government relations professional with more than 17 years of experience, Daniel has engaged in public policy advocacy work at the federal, state and local levels. Prior to joining FICO, Daniel was vice president of Government Affairs for Exclusive Resorts (a Steve Case majority-owned luxury travel company), director of State Government Affairs at Reed Elsevier, Inc. and senior assistant director of Federal Relations at the National Collegiate Athletic Association. Daniel received a Juris Doctor and a master’s degree from The Ohio State University and his undergraduate degree from Brandeis University.
David Lightfoot is vice president of product management and heads up FICO's customer lifecycle management area, which includes solutions for originations, customer management, and collections and recovery. Since joining FICO in 1994, he has led more than 30 large FICO solution implementations, ran Professional Services for the EMEA region and was a lead member of the team that created the customer-level management version of FICO® TRIAD® Customer Manager. David has more than 25 years of experience in the financial services and retail industries, encompassing development, implementation and use of automated decision making tools. Prior to FICO, he spent 10 years with the financial services arm of UK retailer Marks and Spencer.