Bio

Any behavior––of people, numbers or events––is ultimately unpredictable. Or is it? From my post-doctoral work in chaos theory to a career in analytic science, I’ve been endlessly fascinated by the behavioral patterns and predictive insights that data can yield. I’ve watched, with great amusement, the business world’s discovery of big data and subsequent obsession with it; since I was a college student I have understood, at an almost cellular level, that the answers to many of the world’s questions lie in the mountains of data produced by people and machines. At FICO® I have had the opportunity to apply my curiosity to solve a wide range of seemingly unpredictable behaviors. I am honored to have the originality of my work acknowledged with 120+ authored patents, with 80 patents granted and 47 patents in process in areas including: • Fraud analytics • Cybersecurity • Collections and credit risk • Unstructured data analytics • Unsupervised machine learning • Utility analytics • Self-learning machine learning models • Explainable and Ethical AI • Deep learning algorithms • Anti-money laundering • Mobile analytics I am also honored to have attracted a world-class team of analytic scientists and researchers to work at FICO. Sharing ideas with my team and using our collective expertise to solve new problems energizes me every day. I fell in love with San Diego after only one visit as a post-doc student. These days I’m active in helping our tech community to reach its fullest potential, serving on the Boards of numerous industry groups. In addition, I am an enthusiastic participant in our society’s conversations on the future of analytics, cybersecurity, data science and artificial intelligence. I enjoy speaking to audiences worldwide on these topics, and interacting with journalists and media of all kinds. To hear more of my views, follow me on Twitter @ScottZoldi.