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Tracks & Sessions

Presentations from FICO World 2011 are available in PDF form on this page. Look for the PDF logo along side the session description.

 

FICO World 2011 Agenda PDF download here


Watch the recorded FICO World Preview webinar series


David Molyneaux, Principal Consultant, FICO
Incorporating Economic Cyclicality into Credit Scoring and Rating Models View Now


Russell Robinson, CEO, Telrock
Changing the Collections Game with Self-Service and Mobile Technologies View Now


Gordon Cameron, Executive Vice President, Credit Executive, PNC
Dr. Mark Greene, CEO, FICO
Revitalizing Growth in the Reset Economy View now

 

ANALYTIC INNOVATIONS

Practical Techniques for Improving Customer Engagement Through Analytics

Matthew Beck, Financial Services Market, FICO
Gerald Fahner, Analytic Science, FICO
Tuesday, 10:30am - 12:00pm

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Some of the most innovative financial services companies are improving their targeting by acquiring a much deeper and broader understanding of consumer behavior. In this session, we will demonstrate how you can use some of the analytic techniques from retail marketing to enhance banking decisions. We will present two retail-based techniques that help dig into the minds and motivations of consumers, providing:

  • a more detailed understanding of observable behavior for better targeting, and
  • a way to diagnose a consumer's intrinsic values for driving changes in consumer behavior. We will discuss how these techniques can improve marketing efficiencies to offer the most relevant financial products at the right point of time with the customer preferences in mind.

Applying the Science of Causal Modeling to Improve Data Conditions

Gerald Fahner, Analytic Science, FICO
Tuesday, 1:00 - 2:00pm

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Accurately predicting how consumers will respond to treatments is essential for determining best actions. These predictions require causal models that can be hard to develop. In this session, we will discuss under which conditions cause-and-effect relations can be inferred objectively from data. We will illustrate a transparent uplift modeling approach for a retail marketing problem, which rank-orders consumers according to the effects of discount coupons on incremental purchase activity. We will conclude with a forward-looking perspective on what retailers and financial services can do to improve data conditions for causal modeling further.

Unlocking Predictive Lift with Segmented Ensemble Modeling

Richard Schiffman, Product Management, FICO
Gerald Fahner, Analytic Science, FICO
Tuesday, 2:15 - 3:15pm

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Ensemble modeling is an increasingly popular means to derive stronger predictions, but can often present operational challenges for lenders. The familiar segmented scorecard ensemble provides the transparency and engineering benefits of scorecards, with the increased predictive acumen of ensemble techniques. Recent advances in segmentation analysis yield modeling suites with superior strength to those found with traditional approaches, such as CHAID and C&RT. Learn how FICO's latest research on predictive segmentation discovery and multi-scorecard development software can help you create sharper predictions in less time.

Incorporating Economic Cyclicality into Credit Scoring and Rating Models

Zsolt Jaczko, Vice President, Head of Methodology and Validation, Raiffeisen International Bank-Holding AG
David Molyneaux, EMEA Market, FICO
Tuesday, 3:30 - 4:30pm

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There is an emphasis on embedding counter-cyclicality into the financial system. The Basel Accord requires lenders to stress test their regulatory capital requirements periodically, leading bank executives to look at tools to address pro-cyclicality in their current capital and risk management practices. This session will explore:

  • The pro-cyclical problem using traditional scorecards, and the influence the economy plays in score shifts and score-level default rates.
  • A new solution that marries economic change with credit risk metrics to improve counter-cyclical risk and capital management.
  • Case study results showing the effectiveness of this solution with one lender's application for Basel compliance.

Watch the recorded FICO World preview webinar for this session

Bringing Customers to the Forefront of Analytics

Larry Rosenberger, Analytic Research Fellow, FICO
Wednesday, 11:30am - 12:30pm

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In this visionary session, Larry Rosenberger will share two conceptual frameworks that are connected by the overall theme of searching for a much deeper understanding and insight into consumer behavior. Both frameworks will demonstrate the need for new and innovative sources of consumer data and point toward new analytic solutions.

Modeling Microloan Risk

Marcus Siljander, Risk Manager, Ferratum Group
Neill Crossley, Analytic Consulting, FICO

Richard Schiffman, Product Management, FICO

Wednesday, 2:00 - 3:00pm

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What are the risk management challenges for microlending? Hear from Europe's leading mobile microlender, Ferratum Group, which provides short-term, unsecured microloans to borrowers across 15 countries. Ferratum is using FICO™ Model Builder to develop more than 100 risk models for use across its products and territories. This presentation will address Ferratum's modeling goals and how consistent modeling will help it grow the business.

Analytic Imperatives to Spark Growth
Andrew Jennings, Chief Analytics Officer, FICO
Woochul Lee, Senior Manager, Credit Risk Management, Samsung Card
David Fodor, Chief Credit Officer, National Australia Bank
Mark Thundercliffe, Chief Credit Officer - UK, HSBC
Jim LeKachman, Executive Vice President, Retail Risk and Decision Analytics, PNC
Wednesday, 3:30 - 5:00pm

In a dynamic banking environment, analytics are increasingly important for growth … and survival. More analytics doesn't mean more of the same, however. The crisis must now shape the way we build and use analytics because the largest gains will come from using analytics smarter. In this session, FICO's Chief Analytics Officer, Andrew Jennings, will discuss the new analytic themes that will be imperatives for success, and solutions that can help you address each theme. In addition, a panel of international banking leaders will provide their thoughts on how analytics will play a role to spur growth in this new environment.

Product Showcase: FICO™ Decision Optimizer

Dr. Mary Krone, Analytic Science, FICO
Wednesday, 5:00 - 5:45pm

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Evaluating trade-offs between risk and reward is a key component for creating successful decision strategies. FICO Decision Optimizer gives business analysts powerful tools to quickly evaluate these trade-offs and identify customer actions that maximize business results. Join us as we share our insights on how global banking leaders are using FICO Decision Optimizer to create strategies that maximize revenue and growth while carefully managing business risk and operating constraints.

Predictive Analytics in the Cloud

James Taylor, CEO, Decision Management Solutions
Sally Taylor-Shoff, Product Management, FICO
Thursday, 10:15 - 11:15am

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Predictive analytics and cloud technologies are hot topics individually, but how can you use them together? In this session industry expert James Taylor will discuss the use cases for predictive analytics in the cloud. He will show how companies at every stage of analytic sophistication can use cloud-based predictive analytic approaches, discuss the value propositions of the different use cases, outline the pros and cons of predictive analytics in the cloud, and present results from a recent survey on people's attitudes to these exciting technologies.

Model Development for Regulatory Compliance and Business Advantage

John Linfield, Head of the Retail Credit Lab, Nedbank
Neill Crossley, Analytic Consulting, FICO
Thursday, 11:45 - 12:45pm

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Nedbank will discuss how they use FICO to develop predictive analytical models across its retail banking business that can ensure it manages its risk profile and loan decisions more easily, while complying with the regional regulatory bodies.

They will use the scorecard development tool to:

  • Set up bespoke model development flows for different business units and subsidiaries
  • Facilitate and simplify the audit and governance process for Basel II models
  • Reduce model deployment costs
  • Shorten time-to-value and improve model ROI

Enhancing Fraud Detection with Multi-Funding Account Analytics

Scott Zoldi, Analytic Science, FICO
Thursday, 11:45am - 12:45pm

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Payment cards and other payment devices are increasingly coming with an ability to link to more than one funding account. This capability changes the traditional card fraud paradigm from monitoring the use of the device to access a single credit line or DDA, to monitoring an access device and multiple funding accounts. In this session, we will discuss the analytic changes needed to facilitate fraud detection associated with multi-funding account analytics.

Predictive Modeling Tools for Analytic Teams

Gianluca Cataldi, Deputy Head of Model Development, Unicredit Spa

Marcus Siljander, Risk Manager, Ferratum Group

John Linfield, Head of the Retail Credit Lab, Nedbank

Carol Liang, SVP Scoring and Loss Forecasting, Citi

Andrew Flint, Product Management, FICO

Thursday, 3:30 - 5:00pm

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The demands on internal modeling teams to design, build, validate and track predictive scoring solutions and decision strategies are steadily on the rise. By adopting the right software tools, you can achieve consistently high quality results without over-burdening your skilled but scarce staff. Join this discussion among lenders of all sizes to hear how they address these challenges with FICO's analytic modeling tools and methodology consulting.

Product Showcase: FICO Model Central

Andrew Flint, Product Management, FICO

Richard Schiffman, Product Management, FICO
Fernando Jorge, Financial Services Market, FICO

Thursday, 5:15 - 6:00pm

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Even the most analytically sophisticated organizations report that they struggle with technical and process issues that prevent them from fully realizing the power of analytic modeling in their businesses. Factor in regulatory requirements and the task is more daunting. Organizations with a significant inventory of models, from 10 to the thousands, can benefit from a FICO Model Central Solution that allows them to rapidly deploy, track, validate, monitor and manage models. Learn how this solution can lead to faster model development and deployment, increased model power and efficiency, and improved ability to comply with new regulations.

 

auto finance

Making Risk Management Worth It
Ken Gang, Head of Consumer Credit, Hyundai Capital America

Michael McClintock, Group Vice President, M&T Bank
Marguerite Watanabe, President, Connections Insights 
Ken Kertz, Tools Management, FICO

Thursday, 10:15 - 11:15am
Risk management has increasingly taken a prominent role in the strategy development of auto lenders, but also in the day-to-day operations.  With the focus on growing business profitably, how flexible should lenders be in order to remain competitive?  What new data and decisioning applications are helpful in minimizing risk for auto captives and banks?  Ken Gang of Hyundai implemented FICO solutions to dramatically increase response time to dealers and consumers for new auto loan requests while improving decisioning efficiencies and risk management for its US lending and leasing.   Mike McClintock of M&T Bank discusses how to manage originations growth and shares how they improved decisioning practices for originations.

Strategies for Collections and Recovery

Andrew Wainwright, National Collections Development Manager, Toyota Financial Services
Michael Logozzo, GM, Collections, BMW Financial Services
Other Panelists to be determined
Cheryl Miller, Client Services, FICO
Thursday, 11:45am - 12:45pm
This lively panel of auto experts will discuss strategies for collections and recovery in the auto industry. Topics include the unique place for analytics in the collections, recovery and remarketing process.

How will the CFPB and other Regulatory Issues Impact Auto Finance?

Danielle Fagre Arlowe, Senior Vice President of State Government Affairs, American Financial Services Association

Michael Benoit, Partner, Hudson Cook, LLP

Daniel Nestel, Government Affairs and Data Privacy, FICO
Thursday, 2:00 - 3:00pm
Will the new Consumer Financial Protection Bureau in the US change the dynamic for auto lending? In this panel discussion, we'll examine the impacts of the CFPB and other legislation on the industry including,  free credit score disclosures, the CFPB's credit score study, the complaint system and consumer financial education.

Leaving the Crisis Behind: Auto Finance Risk in Today's Economy

Ken Gang, Head of Consumer Credit, Hyundai Capital America
Brian Gunn, Auto Chief Risk Officer, Ally Financial
Marguerite Watanabe, President, Connections Insights

Thursday, 3:30 - 5:00pm
How are auto credit risk trends evolving and what will be the impact to the auto lending community? In this session, Ken Gang of Hyundai and Brian Gunn of Ally discuss the challenges facing lenders, dealers and consumers today and how they've changed since the last FICO World. They will focus on ways that lenders can differentiate in a competitive marketplace and analytics that can deliver the most precise measurement of credit risk for profitable lending decisions.

FICO Auto Score Insights

Tom Redding, Vice President Risk Management Company, First Investors Financial Services Group Inc.
Marguerite Watanabe, President, Connections Insights
Rachel Bell, B to B Scores and Predictive Analytics, FICO
Adem Yilmaz, Scores, FICO
Thursday, 5:15 - 6:00pm

Rachel Bell of FICO's Scores team will share industry scoring trends, and lead a discussion with auto lenders on their use of FICO and custom scores to better target and decisions for originations and portfolio analysis.  You will also hear from the presenters about the future of scores specifically for auto financing.

 

BANKING GROWTH

Analytics for Profitable Originations

Enrique Alvarez, Manager, Policy and Strategies, Personal lines and Small Business, Santander Bank of Chile
Isabel Vives, Latin America Market, FICO
Tuesday, 10:30am - 12:00pm
Strong origination decisions are key to improving customer profitability and customer value, and these decisions can be improved through the application of analytics. This session explains the different types of analytics used-from descriptive and predictive models to decision models and economic impact models-and how the value of the analytics is realized through the effective operationalization of decision strategies within decision engines. You'll also see a typical roadmap for analytic adoption for continual decision improvement in originations.

How to Book Better Customers - and More of Them
Paul Akey, VP, Risk Management, Scotia Bank
Dennis Moroney, Research Director, TowerGroup
Chris Hooppaw, Director of Risk Management, US Cards, Sovereign Bank
Kevin Poole, Financial Services, Market, FICO 
Tuesday, 10:30am - 12.00pm

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Tighter regulations, changing consumer behaviors and intense competition are forcing financial institutions to find new ways to target, attract and originate profitable customers. To quickly identify and acquire the right customers with the right offer at the right time, financial institutions must adapt their strategies, and use a higher level of analytic sophistication to recognize leading indicators of both opportunity and risk. This rapid-fire panel explores news approaches to profitable growth, with a focus on analytics.

Decision Making in Non-Bureau Environments

Vivek Ramaswamy, Vice President - Head Credit Initiation, Fraud Risk Management and Collections Support, Mashreq Bank
Robin Findlay, Financial Services, Market, FICO
Tuesday, 2:15 - 3:15pm
This session explores successful decision making in non-bureau environments. We'll look at the example of Mashreq Bank-a very successful lender in the United Arab Emirates-who have been able to increase automation, provide customer centric solutions, refine decision strategies and reduce manual referrals by 30%.

Building a Cards Portfolio Through Customer-Level Management

Eduardo Tobon, Managing Director Cards & Payments Division (USA), Sovereign Bank
Andrew Beckman, Professional Services, FICO
Tuesday, 3:30 - 4:30pm 
Download PresentationSovereign Bank is using lesson learned from new parent bank Santander's experience using FICO™ TRIAD® Customer Manager to build its credit card business "from the ground up." The bank is taking a holistic customer management approach, looking across all the customer's product relationships with the bank, and obtaining external data to build a more robust profile of every customer. Find out how Sovereign is building a competitive edge through customer-level management.

Product showcase: FICO™ Blaze Advisor® business rules management system

Don Griest, Product Management, FICO
Jeremy Chen, Technical Product Management, FICO
Tuesday, 4:45 - 5:45pm
Billions of decisions across the globe are powered by FICO™ Blaze Advisor® rules management system, which is at the heart of both our decision management applications and custom solutions built by our clients and partners.  Come see how FICO's latest rules management innovations are being integrated with our predictive modeling and optimization capabilities to deliver intelligent decision services that dramatically improve business agility and financial performance. You will also hear about the groundbreaking new capabilities in version 7.

Optimizing Decisions with Macroeconomic Projections

Woochul Lee, Senior Manager, Credit Risk Management - Samsung Card
Dr. Mary Krone, Analytic Science, FICO
Wednesday, 11:30am - 12:30pm 
This session looks at how Samsung Card was able to lead an initiative in the Korean credit card industry to increase profit with decision optimization. You'll see how Samsung was able to use advanced technologies to:
• Anticipate changing macroeconomic conditions
• Coordinate marketing and risk decisions to find the best combination of temporary price discount and line that maximizes profit
• Understand the sensitivity of customers to various marketing offers and identify the offers that would maximize portfolio profit
• Experiment with risk management decisions and marketing offers outside the norm to detect pockets of customers that tend to be the main drivers of future profit

Accelerating, Controlling and Improving Decisions Across the Enterprise

Lalitha Nataraj, Assistant General Manager, Business Intelligence Unit, ICICI Bank
Jeremy Chen, Product Management, FICO
Wednesday, 11:30am - 12:30pm
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In this discussion with ICICI, you'll learn how the bank was able to:
  • Improve the consumer experience, enhance productivity and decrease time to market for policy changes and strategies.
  • Maintain a level of human control on top of the rules framework, with FICO™ Blaze Advisor® system as an enabler and supporter, not a dictating tool.
  • Leverage its success with Blaze Advisor to engender a true cultural shift internally toward embracing change and objective rules-based processes over subjective decisioning.
  • Grow its rules center of excellence into a large team that cuts across technology, business intelligence, analytics and data warehousing.

Product Showcase: FICO® Origination Manager

Alan Pass, Product Management, FICO
Wednesday, 5:00 - 5:45pm
The economic turbulence of recent years has challenged lending institutions to build profitable portfolios while protecting themselves against credit delinquencies and fraudulent activity. In a changing business and regulatory environment, lenders must adapt quickly to comply and capitalize on developing opportunities.  FICO® origination manager, FICO's most powerful solution yet for assessing potential customer value and risk at the point of origination, is uniquely designed to quickly help business users build and deploy models, optimize origination strategies and sharpen underwriting effectiveness to capture the most profitable customers in today's uncertain credit climate.

Model Development for Regulatory Compliance and Business Advantage

John Linfield, Head of the Retail Credit Lab, Nedbank
Neill Crossley, Analytic Consulting, FICO

Thursday, 11:45am - 12:45pm
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Nedbank will discuss the implications of regulatory changes on the modeling process, and why they chose to use FICO Model Builder to develop predictive analytics models for their retail banking business.  They will discuss how use of the FICO Model Builder scorecard development tool has:

  • Enabled the set-up of bespoke model development flows
  • Facilitated and simplified the audit and governance process for Basel II models
  • Reduced development and deployment timeframes to reduce costs and improve model ROI

Small Business Lending: Applying Cutting-Edge Analytics

Bill Groves, SVP Global Analytics, D&B
Steve Gregg, VP Global Analytics, D&B
Steve Diercks, Financial Services Market, FICO
Thursday, 2:00 - 3:00pm
The small business lending arena has been a turbulent place to operate over the past few years, but statistics are showing that some industries and segments are beginning to show signs of rebounding. Employing cutting-edge analytics will be the key to identifying profitable customer, prospects and putting sound risk management tactics into play. Join us as we share market views and trends, as well as recommendations for implementing sound marketing and risk mitigation strategies

Retail Banking Growth and the Critical Role of Risk

Sean A Rowles, Chief Risk Architect, RBS - Citizens Bank
Noah Levie, North America Market, FICO
Thursday, 3:30 - 5:00pm
The world has clearly changed-exceptional regulatory pressure, depressed consumer demand for loans, and a sluggish economic recovery all contribute to a massive evolution in bank profitability. Organic and profitable revenue growth remains the key driver of a healthy company-so what is the path to success? Retail banks with an honest and rabid focus on customer needs will stand out from the pack. This presentation will highlight the important role that risk plays in enabling a back-to-basics strategy for retail banking success.

Product Showcase: FICO™ Bankcard Growth Solution

Matt Beck, Product Management, FICO
Rich Dougherty, Financial Services Market, FICO
Thursday 5.15 - 6.00pm
In dynamic markets, there's a direct relationship between profitable portfolio growth and a bank's ability to quickly understand and adapt to changing consumer behavior. Economic volatility, new regulations and competitive forces all make learning speed and yield critical to success. The FICO Bankcard Growth Solution can turn your acquisitions and originations processes into an analytic learning powerhouse for boosting card revenues, margins and profits.


In this session we will:

  • Explain the fundamentals of analytic learning loops
  • Describe how existing systems can be leveraged to configure an analytic learning loop
  • Describe flexible implementation options.

Building Dynamic Operational Capabilities leveraged by Business Analytics

Alberto Araujo, President and CEO, Bull Latin America

Friday, 10:00 - 11:00am

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Dynamism is no longer an exception in business operations. It is the new normal! Financial services companies must be able to react in real time to threats and opportunities in their markets. The systematic monitoring of analytical models integrated into fully automated business processes can help lenders manage risk, comply with regulations and improve performance, while tackling aggressive growth objectives.

Latin America: Using Regional Platforms to Manage Risk and Drive Growth

Ricardo Toledo, Director for Marketing and Products, Itaucard México
Andreas Suma, Latin America Market, FICO
Isabel Vives, Latin America Market, FICO
Friday, 10:00 - 11:00am
Some of the largest lenders in latin america are extending their use of decision management technology and predictive analytics across regions. Regional platforms can address risk in the face of changing economies, regulatory environments, and customer behavior. Hear how these banks are making sharper decisions that drive success in new territories.

Building Dynamic Operational Capabilities Enhanced by Predictive Analytics

Alberto Araujo, President and CEO, Bull Latin America
Friday, 11:30am - 12:30pm
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Bull, a global leader in mission-critical systems, will define a practical framework to achieve competitive advantage through the design of dynamical operational capabilities, which deliver the ability to sense, analyze and respond in the right time frame to market opportunities and threats. Intelligent operations are achieved by the convergence of predictive models with transactional intelligence, ingraining decision optimization into business process orchestration. Learn how to apply this framework to improve risk management, regulatory compliance and operational excellence, while executing more successful market growth strategies.

 

COLLECTIONS & RECOVERY

Getting the Most from Collections and Recovery Analytics

Lynne Labrador, Director Global Risk Management and Fraud IT, CitiBank

Neill Crossley, Analytic Consulting, FICO

Tuesday, 10:30am - 12:00pm
Financial institutions of all sizes struggle with finding the right tools and methods to improve performance in areas such as early-and late-stage collections, loan modifications and restructuring, and debt placement This session helps you understand how you can use analytics to enhance operational execution in collections and recovery.
You will learn:
  • What is the minimum level of analytics required?
  • What is best-practice use of C&R analytics?
  • How does operational execution ensure the analytics investment is maximized?

Gaining an Edge in Collections Regulation
Gareth Cutts, IT Director, Wescot Credit Services

Cheryl Miller, Client Services, FICO

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Regulatory changes for collections have arrived, and more are on the way. Your ability to respond with the right strategies - and flexibility to adapt to future changes - will position you ahead of the competition. This panel moderated by Wescot Credit Services and FICO will demonstrate how you can develop efficient, smart solutions and align your technologies around today's compliance challenges.

Quick-Win Remedial Loan Tactical Solutions
Mark Thompson, Analytic Science, FICO

Lenox Ballroom
Tuesday, 2:15 - 3:15pm

Whether driven by regulation or a need to protect market share, banks are increasingly seeking the ability to identify those good customers in bad economic cycles that should be afforded additional collections and recovery tolerance, so that they may be retained for future long-term profitability. This is being seen as a critical requirement across all secured lending, from home to SME and micro-business loans. Join this discussion of real-life situations where clients used FICO solutions to both retain and educate good customers during tough times, while providing a clear process for current and future economic conditions.

Improving Outsourced Collections and Recovery Rates

Loss management continues to be a critical concern as economic recovery has given way to a vastly changed consumer landscape. Our panel will explore how  auto finance, banking, and other organizations can leverage analytics and tools to overcome loss management challenges. Discover how organizations are using FICO solutions to improve collection and recovery, including outsourced agency management.

Moving the Needle on Collections & Recovery Results Through a Systems Upgrade
Mats Fjeldtvedt, Credit Risk Manager - Retail, Gjensidige

Danny Bowles, Professional Services, FICO

Alecia Jacobs, Professional Services, FICO

Morgan Nagle, Product Management, FICO

Tuesday, 4:45 - 5:45pm

Businesses faced with upgrading or implementing their collections and recovery infrastructures are at a crossroads. Doing nothing means continuing to lose customers and market share. However, moving forward requires focusing on the key decisions and milestones that will demonstrate ROI fast and gain the support needed to fund the initiative. Join us as we examine how one bank, Gjensidige Bank ASA in Norway, implemented a preconfigured version of FICO Debt Manager to help realize value more quickly, while building a foundation for future growth. We'll also examine how businesses that use varying degrees of customization vs. standardization can better align business and budgetary goals. Finally, we'll share lessons learned and leading practices you can apply as you start moving the collections and recovery needle in your own organization.

Best-Practice Management of Credit-Stressed and In Arrears Portfolios
Robert Pikula, Director, Credit Operations, Bank Zachodni

Bruce Curry, Professional Services, FICO
Wednesday, 2:00 - 3:00pm

Transforming your collections and recovery operation can be risk-free, self-funding, and secure a leading position among your market peers. The secret is in fully leveraging your applications, analytics and operational execution. We'll review one bank's journey to give you a vivid picture of success.

Best Practices in Collections and Recovery
Filip Jaskula, Director, Mortgage Operations Bank Zachodni

Lynne Labrador, Director Global Risk Management and Fraud IT, CitiBank
Joseph Poi, Director, Loss Mitigation Operations, Capital One Auto Finance 
Danny Bowles, Professional Services, FICO

Alecia Jacobs, Professional Services, FICO 
Wednesday, 3:30 - 5:00pm

What new practices have emerged as lenders have struggled to improve collections both during and after the financial crisis? Join Dennis Moroney from TowerGroup and a panel of lenders to discuss preventative collections innovations that reflect the way things work today. The session will focus on balancing the need to "stay ahead" of collections while helping to maintain your good customer base.

Product Showcase: FICO® Debt Manager™ 8 and FICO® Debt Manager™ Live
Randy Halvorson, Product Management, FICO

Morgan Nagle, Product Management, FICO

Wednesday, 5:00 - 5:45pm
Download Presentation
This session will review leading practices and new capabilities available in our Debt Manager 8 and Debt Manager Live solutions, and how you can use their capabilities to enhance your collections and recovery performance based on a service-oriented architecture.

Applying Adaptive Control to Collections
Chip Clarke, SVP, Strategic Analytics, KeyBank

Andrew Beckman, Professional Services, FICO
Thursday, 2:00 - 3:00pm
Adaptive control allows your collections managers to model new business strategies, and then test, compare and improve strategies over time. Learn how KeyBank, a top 20 U.S. regional bank, uses FICO solutions and adaptive control to decrease losses, create more effective decision strategies for its non-credit card portfolios, and integrate its collections and recovery data mart with learning strategies.

Product Showcase: FICO™ PlacementsPlus® Service
Randy Halvorson, Product Management, FICO
Doug Thompson, Financial Services Market, FICO

Thursday, 5:15 - 6:00pm
This session will highlight the latest innovations and capabilities available with FICO's PlacementsPlus service, and will demonstrate how businesses can use the solution to enhance outsourced collections and recoveries operations.

Changing the Collections Game with Self-Service and Mobile Technologies

Russell Robinson, CEO, Telrock
Daniel Melo, EMEA Market, FICO
Friday, 10:00am - 11:00pm

Many debtors are able and willing to pay but forget, do not find the time, or are too embarrassed to talk about their financial challenges with an agent. Self-service channels can be much more effective than agents to help manage this type of debtor in terms of both collection rates and costs.
During this session, the audience will learn:

  • How self-service channels transform collections productivity.
  • The effects of mobile on customer behaviors.
  • How mobile effectively solves numerous business challenges experienced by collectors.
Watch the recorded FICO World preview webinar for this session
 

Credit Scoring

FICO® Score Fundamentals

Julia Wooding, Scores, FICO

Tuesday, 10:30 - 12:00pm

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The FICO® Score remains a critical cornerstone in lenders' risk management decisions. Now, thanks to the Dodd-Frank Act and its goal of enabling financial literacy, lenders need to have a thorough understanding of what goes into a credit score (and what doesn't) to be able to answer consumer questions. This session will provide you with the most important concepts behind how the FICO Score works, both in the US and throughout the world - what information is included and what isn't? How often is a FICO Score updated? What is the relative impact of an inquiry, delinquency or charge-off?  What insight can you gain from the adverse actions reasons provided with a FICO Score? Why are some consumer files unscorable? If you have had minimal exposure to credit scoring, this is your chance to get educated by a FICO Score expert to gain more out of the following conference sessions on scoring and analytics.

When the Game Changes, Adapt the Fundamentals

Steve Gregg, VP, Global Analytics, D&B

Michelle Katics, CEO, BankersLab
Liza Yannon, Senior Modeling Manager, VP, KeyBank

Julia Wooding, Scores, FICO

Linda Heger, Solution Consulting, FICO

Tuesday, 1:00 - 2:00pm
Risk management best practices rely on the fundamentals. However, when faced with a changing economy, increased regulatory scrutiny and constraints, and a wholesale change in "typical" consumer behavior - along with a virtual explosion in the predictive tools, scores, and solutions available - it requires more than a sharper pencil and a keen eye to succeed and grow safely. Join us for an interactive discussion on how to most effectively build on that foundation of fundamental best practices to succeed against the current challenges. 

Understanding Consumers' Credit Capacity: A Case Study

SungJun Chun, Deputy General Manager, Product Development Department, Korea Credit Bureau
John Hadlow, Scores, FICO
Tuesday, 3:30 - 4:30pm

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Lenders in many countries must factor affordability, or consumer debt capacity, into their lending decisions. In this session, find out how FICO and the Korea Credit Bureau are helping lenders build strategies around the FICO Credit Capacity Index, and how this can work with income parameters to improve risk assessment.

Beyond the Number:  Profiles of Consumers in Financial Distress

Mark Cole, Executive Vice President & COO, CredAbility

Bradley Graham, Scores, FICO

Tuesday, 4:45 - 5:45pm
What do consumers in financial distress look like? CredAbility has counseled almost 2 million families since the start of the recession and maintains detailed data on the causes of distress, demographics, credit scores and household finances. At this session, you will get unique insights into the thinking and actions of consumers in financial distress, many of whom will be targets for credit solicitations and new lending opportunities in the coming years.  In this session, we will share:
  • The demographic, financial and credit profiles of consumers seeking counseling
  • The strengths and risks of these consumers as they emerge from financial distress
  • How consumer motivation, literacy or counseling might be considered or required in future decisions to extend credit or evaluate applicants 

New Approaches to Unlocking Consumer Propensity

Greg Pelling, Scores & Analytics, FICO
Brad Thilges, Scores, FICO
Dave Shellenberger,  Scores, FICO
Sally Taylor-Shoff, Product Management, FICO
Adem Yilmaz,  Scores, FICO
Wednedsay, 11:30am - 12:30pm

Identifying and realizing customer profit potential demands more than just analyzing risk, or looking at past profitability. It requires understanding which customers have the highest a propensity to consume and use your services. Revolutionary analytics for this approach have helped some of the world's largest retailers increase sales -- now FICO is applying these techniques to retail banking. Learn more about how we are cracking the code on consumer propensity.

Enhancing Your Credit Marketing Effectiveness with Non-Regulated Data

Ian Wright, Senior Vice President, Product Management and Development Resources, IXI, an Equifax Company
Jeff Sporn, Senior Vice President, Digital Operations and Product Management, IXI, an Equifax Company

Jill Richardson, Scores, FICO

Wednesday, 2:00 - 3:00pm
Every credit offer is the final step in process that includes identifying attractive prospects, developing compelling messaging, deciding on appropriate invitations to apply, pre-qualifying prospects and other critical evaluation and decision points. In this session, Ian Wright and Jeff Sporn from IXI will explain how firms use non-regulated solutions such as aggregated FICO® Scores to enhance traditional and digital credit acquisition strategies. The speakers will share best practices on how to best apply non-regulated solutions to improve the efficiency of credit acquisition tactics, before the actual decision to offer credit.

Consumer Credit Risk Dynamics
Amy Crews Cutts, Senior Vice President and Chief Economist, IXI, an Equifax Company
Rachel Bell, Scores, FICO

Wednesday, 3:30 - 5:00pm

With the stops and starts of the economy over the past year, understanding consumer credit behavior in this environment is fundamental to managing your business. This session will dive into emerging U.S. economic trends as reflected by the FICO Score, with analysis from FICO's scoring experts and credit trend insights from Equifax/IXI.

Product Showcase: FICO® Mortgage Score
Jill Richardson, Scores, FICO
Tom D'Arezzo, Scores, FICO

Wednesday, 5:00 - 5:45pm
U.S. mortgage lenders rely on the industry-standard FICO® Score to assess the risk of consumers for first mortgages and home equity loans, and for securitization in the secondary market. But there's an even better tool: The FICO® Mortgage Score can help mortgage lenders make the best possible risk decisions when addressing both current mortgage holders and those aspiring to own a home. This new score offers predictive improvements of as much as 25% in certain population segments compared to the base FICO® 8 Score. This session will highlight impressive mortgage origination validation results showing the score's added value.

Economic Impact Analytics: Marrying Risk Scores with Macroeconomic Forecasts
Darlene Goins, Scores, FICO
Thursday, 10:15 - 11:15am

FICO has developed a two-tiered system that allows lenders to get the value of consumer-level credit risk scores while making adjustments for expected future economic scenarios. This session will present case studies of our latest deployed solutions, and FICO's vision for the next generation of economic impact models. Explore how economically adjusted risk scores can influence account origination strategies, loss forecasting and portfolio evaluations.

Credit Scoring for Small Business Loans
Carolyn Hardin-Levine, CEO, SBFE
Sharon O'Connor-Clarke, Government Practice, FICO

Thursday, 11:45am - 12:45pm
Small business success fuels the US economy. This session explores how credit bureau data and scores impact small business risk assessment and access to credit. We'll look at the contribution of various data types as well as the contribution of small business financial exchange information in making these important risk decisions. You learn:
  • How the consumer credit bureau scores withstood the recession.
  • The role of consumer credit bureau data and scores and new data sources in FICO's SBSS sm models.
  • How banks can translate data source information into strategies to get the most out of their data strategies when engaged in small business risk assessment.

Credit Education for Customers is a Win/Win
Dara Duguay, President, Duguay and Associates
Bradley Graham, Scores, FICO

Thursday, 2:00 - 3:00pm
By investing in credit education companies have found a winning proposition, since an educated consumer is better able to stay within a safe debt level and not end up in default. The vast majority of customers have not received formal education in how to manage their money. Therefore, companies that offer education in how to manage credit wisely will be providing a valuable resource that will increase customer satisfaction. Hear about a case study over viewing Visa's credit education program and learn: what the business case was for engaging in this program; the key elements; and most importantly the quantifiable results that the program renders.

The Power of Positive Bureau Data for Credit Scoring
Przemyslaw Januszaniec, Risk Head, National Bank Trust
John Hadlow, Scores, FICO
Thursday, 3:30 - 5:00pm

The transition from negative-only to positive and negative credit bureau data can have a dramatic effect on risk management, and enable greater credit access for consumers. Lenders in Australia and Brazil are about to make this transition, which brings the need to manage the transition so as to avoid business disruption while using the new data to grow profitability. This session will provide guidance and best practices on how to make the migration, lessons learned from lenders who have done this before.

Regional Dynamics in Canada: Is a Score of 700 Riskier in Toronto than Vancouver?

Patrick Morrison, Scores, FICO
Darlene Goins, Scores, FICO
Friday, 10:00 - 11:00am
Consumer credit scoring is an integral component of risk prediction in Canada. Recently, Canadian lenders have asked if scores align across different geographic regions. Could certain regions exhibit a different risk-to-score dynamic? Does a credit score of 700 in Toronto correspond to the same level of risk as a 700 in other geographies? FICO undertook an analytic study to determine the answers. In this session, you will learn about similarities and differences in consumer performance across geographic regions, and the results of research determining if any enhancements could be introduced into the FICO Score to more effectively account for any geographic differences.
 

Customer Profitability

Five Best Practices for Improving Customer Profitability in Growth Markets

Rob Love, Head of Unsecured Risk, Westpac
Paul Swyny, Asia Pacific Market, FICO
Tuesday 1.00 - 2.00pm

Customer profitability is a critical question, no matter if you are a bank in a slow-growth market (where regulation and slashed operating budgets may be making your job harder) or a high-growth market like those we are witnessing in China and Southeast Asia (where you have been so focused on originating and acquiring customers that you may have neglected a strategy to ensure their long-term retention and profitability). Banks in high-growth areas are keen to know how they can maximize revenues and minimize losses, while improving customer retention and multi-product "stickiness" across multiple lines of business, such as deposit accounts, credit cards and loans. In this session we discuss five best practices that banks can undertake to improve customer management and profitability.

Strategies for Credit Card Growth

Sean Smith, VP Credit, Credit Card, PNC

Eric Wells, Analytic Science, FICO

Tuesday, 1:00 - 2:00pm

Gone is the use of disparate decisions platforms to execute and manage customer strategies, which results in inconsistent treatments across products, channels and lifecycles. Today's credit card leaders are leveraging modern decision technology to transform decisions into reusable assets that can be seamlessly deployed across the organization to improve the customer experience and increase risk-adjusted returns. Join PNC's Sean Smith as he shares the drivers for change and keys to success, including collaboration with a diverse set of stakeholders from marketing, risk, product, IT and operations.

Delivering a Seamless Customer Experience Across the Enterprise

Hans Binnekade, COO, Credit Risk, Absa Retail Bank
Richard Lagerweij, Financial Services Market, FICO
Tuesday, 3:30 - 4:40pm
When the downturn in the economy came, Absa-South Africa's largest retail lender-needed the flexibility to quickly adjust to change in order to remain competitive. In this session, Absa will share how the bank has the ability to rapidly respond and implement changes across all lines of business within days as opposed to weeks and months.

Connected Decisions Across the Customer Relationship

Allan Mansoor, Retail Risk Management, TD Canada Trust
Andrew Beckman, Professional Services, FICO
Tuesday 4:45 – 5:45pm 

The recent economic crisis has placed a great deal of pressure on both financial institutions and consumers. It has become more critical than ever to be able to assess each customer's use of bank products, their credit risk and overall behaviors, in order to improve customer satisfaction. Learn how traditional account management and acquisition tools have been improved by customer-level strategies enabled by FICO TRIAD Customer Manager at TD Canada Trust. The focus will be on the evolution of customer management over the last five years, with a specific portion dedicated to specific improvements in customer-level credit risk strategies.

Strengthening Ties with Debit Customers

Manuel Gonçalves, Director, Risk and Decision Models Unit, Millennium bcp
Daniel Melo, EMEA Market, FICO
Wednesday, 2:00 - 3:00pm
The debit or DDA account is increasingly important, both for consumers and for banks hoping to build stronger relationships with customers. However, most banks don't have the same sophisticated systems in place for debit account decisions as for credit accounts. This session will show you how Millennium BCP was able to successfully leverage their existing infrastructure on the credit side to make sharper decisions on the debit side.

Focusing on Profitable Organic Growth: A Central Risk Management Platform for 30 Countries

Graham Anderson, Director, Customer Management and Collections, Scotia Bank
Miguel Cabezas, Global Business Consulting, FICO
Cheryl Woodburn, Client Services, FICO
Wednesday, 2:00 - 3:00pm

Learn how Scotiabank has leveraged its centrally-installed suite of FICO applications FICO Origination Manager, FICO TRIAD Customer Manager and FICO Debt Manager) to re-engineer risk management across its international banking division. You will learn about challenges with replacing multiple decentralized legacy systems, and about some of the significant financial and non-financial benefits that Scotiabank has achieved.

Building Customer-Level Profitability in a Changing Environment

Khalid Zafar, Vice President Lean Lead - Shurooq, Mashreq Bank 
Robin Findlay, Financial Services Market, FICO
Wednesday, 3:30 - 5:00pm
To better deal with changes in consumer behavior, risk reward metrics, regulations and the economy, Mashreq Bank redefined their predictive analytics and strategy. This has involved a move towards a more dynamic method of decisioning, and bundling of products. Hear them present their experience and the strategies they undertook to manage risk, increase automation, adapt to changing consumer behavior and improve profitability. Mashreq will share its risk management strategy, consumer profitability metrics that were redefined in a regulated envoironment, and how they optimized customer profitability while managing risk.

Product Showcase: FICO® Action Manager

Sally Taylor-Shoff, Product Management, FICO
Wednesday, 5:00 - 5:45pm
Organizations are still striving to obtain true 1:1 customer-centric marketing-but campaign-centric or product-centric organization, culture and technology prevent them from attaining this goal. In this session well look at FICO Action Manager, which helps increase sales and profit through improved customer engagement, loyalty and relevant personalized marketing. FICO Action Manager centralizes and orchestrates customer decisions, delivering relevant offers consistently across multiple channels, while providing marketers with an advanced and efficient learning environment.

The Need for Credit Line Management in Emerging Markets 
Hongmei Chen, General Manager of Risk, Credit Card Center, China Everbright Bank
John Chen, Financial Services, APAC Region, FICO
Thursday, 10:15am - 11:15am
 China's credit card market has seen explosive growth since 2004. The initial strategy for both issuer and operators was to acquire as many customers as possible. However, the expansion slowed down in 2010 and the main strategy has shifted towards customer retention and profitability. This makes effective credit limit management for card issuers an essential way to survive and improve competitiveness under a harsh regulatory environment. Still, credit line management is still in the infancy stage in China, as in many emerging markets.  Learn how one leading Chinese lender is addressing this issue to give itself an edge.

Product Showcase: FICO™ TRIAD® Customer Manager

Christofer Carpenter, Product Management, FICOJohn Chen, Financial Services, APAC Region, FICO
Linda Heger, Solution Consulting, FICO
Miguel Cabezas, Global Business Consulting, FICO
Thursday, 5:15 - 6:00pm

Explore new ways to create value with your FICO TRIAD Customer Manager system.  See how a new, easy-to-implement feature, the Flexible Limit Model, can help you develop more accurate limit models which in turn can significantly improve your bottom line.  Also, we will be featuring TRIAD's Client-Configurable Decision Area, showing you ways other clients have used it to solve unusual problems.

Card Decisions that Build Customer Profitability

Neil Roberts, TRIAD Product Specialist, Risk Solutions, EMEA, First Data
Liz Ruddick, Professional Services, FICO
Friday, 10:00 - 11:00am
How can you adapt your account management strategies to changing market circumstances, including regulatory hurdles, while focusing on profitable growth? Join this session to hear how several lenders using FICO TRIAD Customer Manager through First Data have identified innovative approaches to compete more successfully and build more profitable customer relationships.

Increasing Cardmember Spend Through Customer Centricity

Robert Duque-Ribeiro, Client Services, FICO
Friday, 11:30am - 12:30pm
In an environment where competition was making it difficult to retain customers and hold onto market share, FICO helped a leading financial institution match product innovation with analytics-driven segmentation, in order to profitably increase share of wallet. This case study shows the ongoing progress that can be made when risk management and customer marketing are combined to achieve profitable growth. See also where this institution is heading with the use of its own data and retailers' data to increase customer spend. Find out how this kind of strategy based on intelligent offer design can help your business prosper.
 

Fraud

Enterprise Fraud Management - Analyst Panel

David Fish, Senior Analyst, Mercator Advisory Group
Julie Conroy McNelley, Senior Analyst, Aite Group
TJ Horan, Fraud Solutions, FICO
Tuesday, 10:30am - 12:00pm
Financial crime continues to expand and evolve, involving social media, new transaction channels and new exploits. In the first of two panel discussions kicking off the Fraud track, industry analysts will present key trends in the banking industry and discuss how financial institutions are responding to challenges and capitalizing on opportunities across the enterprise fraud banking space. Each analyst will speak to a specific area of industry fraud trends. Bring your questions for an interactive Q&A session!

Enterprise Fraud Management - Financial Institution Panel
Carolina Reddy, Director, Global Head Financial Crime Control Unit PBB,  Standard Bank of South Africa
Luke Reynolds, Head of Card Fraud, Lloyds

Beyhan Kolay, Senior Vice President, T. Garanti Bankasi A.S. 
Adam Davies, Solution Consulting, FICO
Martin Warwick, Global Business Consulting, FICO

Tuesday, 1:00 - 2:00pm
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Enterprise fraud management means something different to anyone who is asked. See how your definition lines up with our panel of experts! The second of two panel sessions covers how leading-edge financial institutions are thinking about enterprise fraud and what they are doing to implement solutions and strategies to protect their customers and their bottom line. Each panelist will present key aspects of their enterprise fraud strategy, with plenty of time for an interactive Q&A session.

The Identity Challenge: Advanced Customer Protection Through Identification and Verification

Neil Lewis, Head of Consumer Products, Equifax UK
Martin Warwick, Fraud Solutions, FICO
Adam Davies, Professional Services, FICO
Tuesday, 2.15 - 3.15pm
Fraudsters migrate to the weakest player or route of weakest resistance to bypass strong security within financial institutions. UK banks took away £245 million criminals over the past two years through improved fraud measures, so the fraudsters are adjusting their strategies by looking for the weakest links in the chain. Identification and verification of customers is now becoming a major concern across channels and across the lifecycle. FICO has partnered with Equifax to bring increased protection for customers and banks at various stages in the life cycle. Join us to discuss how to stop the attack on your customers and improve customer trust and service. We will discuss approaches for first-party fraud, DDA banking and anti-money laundering.

Using DDA Performance Information to Find First-Party Fraud in Credit Risk Losses

Bob Hill, Vice President, EWS
Doug Clare, Product Management, FICO

Tuesday, 3:30 - 4:30pm

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First-party fraud often lies hidden in your collections queue, masking as recoverable debt when the borrower has no intention of paying. In this session we'll discuss how to:

  • Uncover first-party fraud within your delinquencies
  • TCombine DDA and credit data insights for smarter decisions 
  • Improve profitability through sharper decisions at the point of origination as well as within your customer portfolios
You will also see strong research results that combine FICO analytics with EWS data.

Merchant Acquiring Financial and Fraud Risk

Adrienne Gray, Manager, Operational Risk Management | Intuit Payment Solutions, Intuit Inc.
John Davison, Financial Services Market, FICO 
Tuesday, 4.45 - 5.45pm

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Monitoring merchants' payment activity is a challenging endeavor due to the constant changes in fraud, compliance risk, bankruptcy and attrition patterns. FICO provides maximum detection to the acquiring arm of financial institutions by leveraging a powerful set of rules and analytics that evaluate merchants' behavior to assess their risk. Come join us to hear how we partnered with Intuit to deliver a robust and effective solution that allows Intuit to better manage these risks and achieve positive financial benefits.

Remote Banking: Who is on the other End of the Wire?

João Eduardo Ferreira Neto, Marketing Senior Manager, CPqD
Moises Jose Gonçales dos Santos, Risk Executive Manager, Redecard
Marcos Molina Borba, Senior Fraud Manager, Banco Bradesco
Ryan Ganji Fraud Solutions, FICO
Ruben Delfini, Latin America Market, FICO
Scott Zoldi, Analytic Science, FICO
Wednesday, 11:30am - 12:30pm
New mobile banking capabilities are opening up new form factors for expanded self service remote banking. From checking an account balance to depositing checks with a phone, the mobile channel is changing the way customers and financial institutions interact. 
But have we really secured the PC online banking channel?  Criminals have been continuing to compromise online banking credentials and banking sessions in a never ending variety of attack vectors. This session will review the latest attack methodologies and show why understanding your customer's unique behavior is the key to reduced fraud loss and improved customer experience.

Adapting Fraud Management Programs to a Changing Marketplace

Nigel R. Beasley, Director, Risk/Fraud Management Solutions, Value Added Services, Product Management, TSYS
Eric Kraus, Vice President, FIS
Dan Rich, Business Leader, Global Risk Product Management, MasterCard Integrated Processing Solutions
TJ Horan, Fraud Solutions, FICO

Wednesday, 3:30 - 5:00pm
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Learn what some of FICO's largest partners are doing to help optimize fraud management performance. Representatives from FIS, MasterCard and TSYS will review the best practices they have seen deployed in the marketplace to manage and mitigate fraud losses. This panel discussion will pay specific focus to recent fraud trends and how institutions must adapt their fraud management strategies and services to meet a changing marketplace. 

Product Showcase: FICO™ Falcon® Fraud Manager

George P. Metropoulos, National Security Director, Discover Financial Services LLC
Ryan Ganji, Fraud Solutions, FICO
John Davison, Financial Services Market, FICO
Wednesday, 5:00 - 5:45pm
Learn more about the advanced features of Falcon Fraud Manager 6. This session will highlight the new analytic, case management, reporting and rule writing capabilities in Falcon Fraud Manager and results that have been achieved through these advancements. The session will also review FICO's short and long-term product strategy for fraud solutions.

Prepaid Cards: Fraud and Risk Best Practices

Brian Riley, Senior Research Analyst, TowerGroup
John Davison, Financial Services Market, FICO
Thursday, 2:00 - 3:00pm

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Prepaid card transactions grew at 21.5% between 2006 and 2009 -- compare that with other forms of non-cash payments that experienced compounded growth of only 4.6%.  The product, which now includes reloadable general purpose, government benefits, gift, mobile, payroll and transit cards, will generate 10 billion transactions in 2012.  Merchants and issuers must recognize that prepaid card often involves cardholders who lack traditional banking relationships and have less scorable transaction history.  Prepaid cards also carry new layers of risk, particularly at points of enrollment, loading and mobile access. This session will discuss how the risks vary between products, how early detection can protect your financial institution and how to harmonize strategies with credit and debit products.  It will provide merchants and issuers with an understanding of the steps necessary to minimize fraud risk for a card-based product that will continue its aggressive growth through the end of this decade.

Analytics Innovations in Enterprise Fraud

Scott Zoldi, Analytic Science, FICO
Thursday, 3:30 - 5:00pm
Criminals' continuous assault on financial institutions crosses all channels and geographies, encompassing account takeover of legitimate customers and fraudulent account openings. Enterprise fraud detection is a critical component of an end-to-end enterprise customer lifecycle solution. In this session, we will perform a deep dive into FICO's analytic innovations designed to tackle the fraud detection challenges associated with multiple connected accounts while reducing impact to good customers. Don't miss the chance to hear FICO's own industry leading fraud analytic scientist discuss where we're going!

Using Analytics to Detect and Prevent Call Center Fraud

John Reinke, Vice President of New Applications and Strategic Alliances, Mattersight™ Corporation
John Davison, Financial Services Market, FICO
Friday, 10:00 - 11:00am
As call centers become an increasingly vulnerable attack point for fraud, organizations need to understand how it is happening and how to prevent it across the enterprise. By analyzing every call coming into a client call center, financial institutions can determine, with a high degree of accuracy, whether a caller is attempting to commit fraud. By examining linguistic, non-linguistic, acoustic and other contextual data, clients are provided actionable information to make data-driven decisions. In this session, we will:
  • Review the prevalence and pervasiveness of fraud in the call center.
  • Gain an understanding of the attack strategies fraudsters use to prevent detection, gather information and execute fraud through the call center.
  • Discuss the solutions and strategies that exist to identify and prevent fraud in call center interactions before the loss is incurred.

Enhancing Fraud Detection with Multi-Funding Account Analytics

Scott Zoldi, Analytic Science, FICO
Friday, 11:30 - 12:30pm
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Payment cards and other payment devices are increasingly coming with an ability to link to more than one funding account. This capability changes the traditional card fraud paradigm from monitoring the use of the device to access a single credit line or DDA, to monitoring an access device and multiple funding accounts. In this session, we will discuss the analytic changes needed to facilitate fraud detection associated with multi-funding account analytics.

Building Your Fraud Management System ROI

Mike Healey, EMEA Sales Director, Adeptra Ltd
Luke Reynolds, Head of Card Fraud, Lloyds Banking Group
Ruben Delfini, Latin American Market, FICO
Friday, 11:30am - 12:30pm
This session will chart the 8-year evolution of Lloyds banking Group's use of Adeptra automated contact technology and FICO™ Falcon® Fraud Manager, in both their Lloydstsb and HBOS brands.  It covers their progress from the "big win" of working more cases quicker and earlier in the fraud cycle, through the use of automated flexible blocking as an integral part of case management, to expanding use of the technology to deal with non-monetary fraud alerting, and  how Lloyds have implemented the stoplist, 3D secure alerting and Adeptra's decision engine capability across their multiple card and non-plastic portfolios. This case study will show you how the return of investment on the FICO Falcon platform can be continually enhanced by the use of Adeptra technology.
 

Mortgage Lending

Best Practices in Strategic Default

Joanne Gaskin, Mortgage Solutions, FICO
Jason Macrae, Director, Loan Value Group
Thursday, 10:15 - 11:15am
Consumer payment priorities have shifted and the home mortgage is no longer the priority payment for a significant percentage of the US population, demonstrated by historically high mortgage delinquency rates and a growing number of foreclosure proceedings. Learn about the groundbreaking research FICO Labs conducted on this topic in an effort to empower lenders to both identify the behavior and deter its occurrence.

Reinventing Mortgage Fraud Risk Management

David J Johnson, Vice President, Product Line Manager, Fraud and Consortium Solutions, CoreLogic
Rich McCoppin, Vice President, Fifth Third Bank

Frank McKenna, Founder, McKenna Strategic

Robin Green, Client Services, FICO
Thursday, 11:45am - 12:45pm
What are the emerging fraud trends in mortgage?  What are the best practices for combating fraud?  This session will explore the answers to these questions by sharing how CoreLogic's configurable case management environment, built on the FICO Originations Manager platform, has reinvented mortgage fraud risk management in the United States. The solution allows lenders to take a holistic approach to combating fraud that spans data and analytics, as well as policy and strategy, while enabling the automated processing efficiencies of an operational workflow.  The session will start with a brief overview of current trends in first mortgage and home equity fraud.

A New Approach to Mortgage Risk Assessment

Ann Regan, Product Line Manager, Credit and Compliance Solutions, CoreLogic
Craig Focardi, Senior Research Director, TowerGroup
Joanne Gaskin, Mortgage Solutions, FICO
Thursday, 2:00 - 3:00pm
In an age of high mortgage defaults, home price depreciation, weak employment and increasing regulatory pressure, it's anything but "business as usual" for today's mortgage lenders. Discover how a new approach to credit and collateral risk management that integrates credit and property risk with multiple data sources and analytics delivers a holistic view of mortgage risk. The result: more intelligent and informed decisions that allow you to control risk and grow profits even in an anticipated period of increasing origination volumes.

Post-Crisis Risk Management Imperatives

Bill Stephens, Chief Economist, Federal Practice, Price Waterhouse Coopers
Daniel Wu, Director of Back End - Portfolio and Default Risk, Citi Mortgage
Ramesh Lakshminarayanan, Senior Vice President, Chief Risk Officer, JP Morgan Chase
Dr. Russell Walker, Associate Director of the Zell Center for Risk Research, Kellogg School of Management, Northwestern University
Andrew Jennings, Chief Analytics Officer, FICO
Thursday, 3:30 - 5:00pm
Economic stress has dramatically changed the financial services landscape and consumer behavior. Adversity forces business to perform better and push competition to a higher level, which becomes the new normal going forward. Today's new normal demands a higher level of analytic sophistication to recognize leading indicators of both opportunity and risk. Executives need to be armed with surer guidance systems to take astute and timely actions to minimize risk and maximize upside potential. This session explores the right blend of data, technique and domain experience for success in the new normal.

Validating the FICO® 8 Mortgage Score: Results and Insights

Joanne Gaskin, Mortgage Solutions, FICO

Julia Wooding, Scores, FICO

Thursday, 5:15 - 6:00pm
This session looks at the FICO® 8 Mortgage Score validation of a major US mortgage lender and servicer. We'll look at the validation results, including a great improvement in early-stage risk prediction which will help stem losses and improve cost effectiveness of servicing.
 

Regulation

Fighting the Basel Blues

Stephen Morris, CEO, Global Basel Analytics Corp
Rebecca Lucas, Risk Specialists Division, Financial Services Authority
Steve Diercks, Financial Services Market, FICO
David Molyneaux, EMEA Market, FICO
Phil Norman, Analytic Science, FICO
Tuesday, 1:00 - 2:00pm
The definition of Basel rules have been interpreted in a variety of forms in various parts of the world. As global economics seem to bring the world closer together, global standardization seems to be stretching the world farther apart from each other with differences of interpretation, administration and execution. Examine the challenges in key countries and the variation of interpretations, hear about global best practices, and find out what is available in the marketplace to help fight the Basel Blues.

Optimizing Credit Lines in a Regulated Environment

Lynsey Powell, Executive Manager, Cards, CBA
Lora Paglia, Director, Portfolio Management, PC Bank Financial
Paul Swyny, Asia Pacific Market, FICO
Dr. Mary Krone, Analytic Science, FICO
Tuesday, 2:15 - 3:15pm
New regulations came into play in Australia in January 2011 around "responsible lending," which put the onus on credit providers to ensure that credit products are ""not unsuitable"" for the borrower when offering credit. A year earlier, Canadian regulators introduced rules designed to reduce the cost of carrying credit card debt, including a ban on offering credit line increases without first obtaining express consent from the borrower - something that has been in place in Australia for a few years. As regulators in various markets force issuers to adopt affordability and consent measures, how do credit card issuers manage to maintain profitability? Hear how issuers are working within the regulations to optimize initial credit lines and adapt risk strategies to maintain profitability and competitive advantage.

Credit Risk Retention: Will It Help or Hinder?

Jack Konyx, Executive Director of Government Affairs, Weiner Brodsky Sidman Kider PC
Steve O’Connor, Head of Regulatory Affairs, Mortgage Bankers Association
Joanne Gaskin, Mortgage Solutions, FICO
Wednesday, 11:30am - 12:30pm
The Dodd-Frank Act enacts numerous provisions intended to reform the mortgage lending industry with an eye toward consumer protection. A key challenge in implementing Dodd-Frank is balancing the goal of protecting borrowers from unsustainable mortgage products with the goal of maintaining broad and affordable access to mortgage credit. With QRM loans intended to be the exception and not the rule, will securitizers' exposure to losses align economic incentives and ensure well-underwritten mortgages? Learn how regulatory decisions will influence the effects of a risk retention requirement on the mortgage market.

Model Validation and Management: Compliance and Profitability in the New Regulatory Environment

Paula Patty, Manager, Strategic Analytics, KeyBank
Sharon O'Connor-Clarke, Government Practice, FICO
Lynda Woodward,  Professional Services,
Wednesday, 2:00 - 3:00pm
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This session examines the new OCC requirements around deploying, validating, monitoring and measuring the effectiveness and appropriate use of models. We will discuss the requirements, offer recommendations for compliance that also enhance your ability to control risk and enhance profitability. Regardless of whether you are new to automation and model usage or have thousands of models in place, FICO has an approach for you!

The Regulator Said What? And You Said What Back?

Michelle Katics, CEO, BankersLab
Steve Diercks, Financial Services Market, FICO
Wednesday, 3:30 - 5:00pm
Join BankersLab CEO Michelle Katics as she conducts an interactive discussion of the more unusual, sometimes exotic, occasionally vague and not always successful attempts at regulatory change and the compliance focus this requires from banking executives. In advance of this session, you'll be given the chance to contribute your own anecdotes. Bonus points will be given for regulators who have industry lobbying antics to share. If it's possible to learn from our mistakes, at least we can be entertained along the bumpy road to best practices.

Dealing with Durbin-Adapting to New Interchange Rules on Debit Cards

Steve Kenneally, VP - Center for Regulatory Compliance, American Bankers Association
Caroline Lane SVP, Business Development & Marketing CO-OP Financial Services
Brian Riley, Senior Research Director, TowerGroup
Daniel Nestel, Government Affairs and Data Privacy, FICO
Thursday, 10:15 - 11:15am

Hear from industry experts on how financial institutions have dealt with the controversial new Federal regulation that includes a reduction in the debit card transaction fees banks can charge merchants. How does the financial industry cover the billions of dollars in lost fee revenue? What are the implications for current and future fraud prevention and detection efforts? What new card payment trends have developed in response to the rule? This session promises to provide a timely dialogue on the  major developments governing debit cards shortly after the rule's October 1 effective date.

Dodd-Frank: Lessons Learned and the Path Ahead

Scott Talbott, Senior Vice President for Government Affairs, The Financial Roundtable
Steve Diercks, Financial Services Market, FICO
Vance Gudmundsen, Government Affairs and Data Privacy, FICO

Carolina Camero, SVP North America Risk Basel Quantification and Analytics Team (BQAT), HSBC

Friday, 10:00 am - 11:00am
More than a year after the passage of the Dodd-Frank Act, the financial services industry is experiencing the most significant regulatory sea change since the Great Depression. Our panel of experts will share best practices on how they prepared for and are responding to the continuing wave of new regulations as well as provide insights on how to stay profitable while complying with a myriad of new requirements. In addition, we'll look into the future to better understand the next wave of regulations that is coming our way.
 

Rules Day

Accelerating, Controlling and Improving Decisions Across the Enterprise

Lalitha Nataraj, Assistant General Manager, Business Intelligence Unit, ICICI Bank
Jeremy Chen, Product Management, FICO
Wednesday, 11:30am - 12:30pm
In this discussion with ICICI, you'll learn how the bank was able to:
  • Improve the consumer experience, enhance productivity and decrease time to market for policy changes and strategies.
  • Maintain a level of human control on top of the rules framework, with FICO™ Blaze Advisor® system as an enabler and supporter, not a dictating tool.
  • Leverage its success with Blaze Advisor to engender a true cultural shift internally toward embracing change and objective rules-based processes over subjective decisioning.
  • Grow its rules center of excellence into a large team that cuts across technology, business intelligence, analytics and data warehousing.

FICO Decision Management Tools Roadmap & Vision

Don Griest, Product Management, FICO
Jeremy Chen, Product Management, FICO
Andrew Flint, Product Management, FICO
Wednesday, 1:00 - 2:00pm 

The world's leading companies rely on FICO Decision Management solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. Join the FICO product management team as they discuss the roadmap and vision for our Decision Management software tools. This meeting will take place during the lunch on Wednesday.

Measuring and Improving Decisions

Lalitha Nataraj, Assistant General Manager, Business Intelligence Unit, ICICI Bank
Dr. Mary Krone, Analytic Science, FICO
Willie Hall, Decision Management Tools, FICO
Richard Lagerweij, Financial Services Market, FICO
Wednesday, 2:00 - 3:00pm
How do you measure the success of your decisions? What processes do you have in place to help you know when it is time to make improvements? Join the discussion as a panel of leading rules practitioners share their thoughts and best practices on this important topic.

Draw Your Decision Requirements

Willie Hall, Decision Management Tools, FICO
Wednesday, 5:00 - 5:30pm
Getting requirements right for new decision services can be a tricky and time-consuming process. This session will provide a brief overview of FICO's decision requirements analysis workshops, and the lessons learned in successfully applying this approach with FICO consulting clients.
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