“I’m Scott Zoldi and I’ve authored 95 patents on AI, machine learning and various analytic techniques. I’m Chief Analytics Officer of FICO. Ask me Anything.*

Neural networks are a powerful form of machine learning, but their black box nature often defies explainability. We have found a solution to this problem.

Regarding fraud analytics for open banking, unsupervised machine learning can be a strong weapon for fighting financial crime events

My recent patent work has laid a foundation for what I predict will be the tech industry’s biggest development in 2019: ethical AI.

Behavioral profiling approaches are extremely important in tackling fraud that happens when banks share financial data with third parties through application programming interfaces.

Uncovering hidden patterns in money movement makes machine learning for AML a very attractive enhancement to existing AML operations.

With a view to stopping real-time payments fraud, FICO recently released the Retail Banking Consumer fraud model.

For the first time, the average FICO® Score in the U.S. has reached 704, showing a steady upward trend in US credit quality.

I was interviewed recently for a new TV program called Tomorrow’s World Today, where I discussed how we are using AI and machine learning for financial crime protection.

Because corporate credit cards have different business-oriented spending patterns than consumer credit cards, we tackled the corporate card fraud detection problem with FICO’s collaborative profiling technology.

At FICO World 2018, I sat down with Chess Grandmaster Garry Kasparov to discuss the hot topics in the world of AI, and asked: Should we be afraid of artificial intelligence?

At FICO World 2018, I sat down with Chess Grandmaster Garry Kasparov and asked: How is artificial intelligence evolving?