FICO B2B Case Studies & Customer Successes

EverBank reduces risk and costs through more agile and responsive pricing

TIAA Bank

Glenn Mcintosh

CTO

Leading online lender turns to the cloud to ease regulatory compliance

4Finance

Andis Grandans

Group AML Officer

Absa Bank achieves seamless, connected decisioning and faster rule changes with FICO Blaze Advisor

Absa Bank

Jaco Rossouw

Head of Capability Development and Change

Absa Bank reduces delinquencies and saves 6M Rand with FICO

Absa Bank

Johan Ambrosius

Head of Property Risk and Analytics

Abu Dhabi Islamic Bank achieves IFRS 9 compliance and reduced portfolio risk with FICO Model Builder

Abu Dhabi Islamic Bank

Syed A. Moiz

Group Head of Enterprise Risk Management

ACT, Inc. cuts test assembly time from weeks to days with FICO Xpress Optimization

ACT

Dianne Henderson

Vice President

African Bank achieves 30% faster strategy launches and 25% cost savings with FICO Blaze Advisor

African Bank

Dawid Van Zyl

Programme Executive Credit Decisioning

Agis Zorgverzekeringen doubles fraud detection performance with FICO's Insurance Fraud Manager

Agis Zorgverzekeringen

Erik Van Doorn

Manager, Process Quality and Support

Aiful Corporation achieves human-level cure rates and lower collection costs with FICO Customer Communication Services

Aiful Corporation

Shinichiro Okuyama

Executive Officer

Air Products and Chemicals achieves same-day material master creation and streamlined supply chain with FICO Blaze Advisor

Air Products and Chemicals

Craig S. reber

Air Products and Chemicals

Akbank achieves 129% increase in profit with FICO® Platform

Akbank

Alpha Bank achieves centralized AML compliance and stronger anti-money-laundering controls with FICO TONBELLER's Siron Compliance Solutions

Alpha Bank

Christos Lygeros

Compliance Division Manager

Amazon Web Services achieves enterprise-scale decisioning in the cloud with FICO

Amazon Web Services

David Schiffman

Global Alliances Lead for Financial Services

American Airlines achieves increased revenue and reduced costs with FICO Xpress Optimization

American Airlines

Armando Silva

Managing Director of Operations research

ANZ New Zealand achieves improved, explainable mortgage credit-risk performance with FICO's machine-learning solution

ANZ

Vimit Kapoor

Head of Retail Models

Australian gas and electricity supplier achieves 72% increase in debt collections with FICO Customer Communication Services

Australian Gas and Electricity Supplier

Auto Club Group Michigan achieves 99% automated underwriting and 35% more applications processed with FICO Blaze Advisor

Auto Club Group Michigan

Avis Europe plc achieves a 2-point fleet utilization uplift and $19M in annual gains with FICO Xpress Optimization (FICO)

Avis Europe plc

Jens Utech

Director of Backoffice and Satation Systems

Aviva UK Health achieves rapid automation—slashing policy enrollment from 22 days to under 6 minutes with FICO Blaze Advisor

Aviva UK Health

Leslie Ross

IT director

Banamex/Citigroup achieves dramatic reduction in fraud losses and false positives with FICO Falcon Fraud Manager

Banamex

Liberto Ferrer

County Fraud Risk Officer

Banco de América Central (BAC) achieves 30% fewer data submissions and a 93 NPS with FICO® Platform

Banco de América Central, BAC

Piery Garos Sandino

Senior Assistant Manager Platforms and Projects

Banco Ficohsa achieves 40% sales lift and 35% higher profitability per account with FICO's Blaze Advisor and Decision Optimizer

Banco Ficohsa

Zadik Lopez

Regional Analytics Manager

Banco Invex achieves reduced costs and higher collector productivity with FICO Debt Manager 9

Banco Invex

Bank Mandiri reduces payment fraud and protects customers with FICO's Falcon Fraud Manager

Bank Mandiri

Adityo Wicoksono

Senior Vice President Retail Product Delivery and Fraud Risk Group

Bank of China achieves 75% faster credit application development and scalable retail lending growth with FICO Blaze Advisor

Bank of China

Bank of Communications achieves market-share growth and up to 25% bad-debt reduction with FICO Decision Management

Bank of Communications

Bank of Communications achieves faster credit risk model development and deployment for its credit card business with FICO Model Builder

Bank of Communications

The Bank of East Asia achieves 20–30% higher fraud detection in six months with FICO Falcon Fraud Manager

Bank of East Asia

Andy Tsang

Senior Fraud Control Manager

Banreservas achieves 80% automated loan decisioning and 50% faster processing with FICO Origination Manager

Banreservas

BBVA Bancomer achieves dramatic multi-channel fraud reduction and improved customer experience with FICO Falcon Fraud Manager

BBVA Bancomer

Gaston Huerta

BBVA Bancomer

Banco de Crédito del Perú (BCP) achieves 22% revenue growth with FICO® Platform pricing optimization

BCP

Flor Etcheber

Credit Risk Leader

BDO Unibank achieves 70% reduction in fraud losses with FICO Falcon Platform

BDO UniBank

Susan Punsalang-Rivera

Senior Vice President

Bluestem Brands, Inc. achieves millions in incremental sales with FICO Analytic Modeler Decision Tree Professional

Bluestem Brands, Inc

Chuck Miller

Director of Account Management

Brazilian bank achieves faster, more profitable credit decisions with FICO Blaze Advisor

Brazilian Bank

Cabot Credit Management achieves greater efficiency and higher customer satisfaction with FICO Debt Manager

Cabot Credit Management

James Edwards

Enterprise Architect

Caixa Galicia achieves revenue growth and lower defaults with FICO TRIAD Customer Manager

Caixa Galicia

Gonzalo Barrós

Director of Credit Risk Techniques and Procedures

California Department of Motor Vehicles achieves centralized, automated vehicle registration fee calculations and legacy-system modernization with FICO Blaze Advisor

California Department of Motor Vehicles

Jim Mclean

Senior Analyst

California State Automobile Association (CSAA) achieves real-time automated underwriting and up to 80% fewer manual reviews with FICO Blaze Advisor for .NET

California state Automobile Association (CSAA)

Steve Dunn

California state Automobile Association (CSAA)

Canadian Tire Financial Services achieves actionable customer-value segmentation and targeted profit growth with FICO Segmentation Models

Canadian Tire Financial Services

Mark Merritt

Canadian Tire Financial Services

Canadian Tire Financial Services achieves IFRS 9 compliance and reduced credit risk with FICO

Canadian Tire Financial Services

Paul Robinson

Associate Vice President of Credit Risk Management

Capital One Auto Finance achieves higher collection and recovery rates and optimizes placements to retain customers with FICO

Capital One Auto Finance

Joseph Poi

Senior Director of Operations for Loss Mitigation

Cathay United Bank reduces losses by US$1.6M and accelerates retail lending with FICO's Global FICO® Score

Cathay United Bank

Lola Chung

Senior Vice President and General Manager Risk Management Department

Top Chilean retailer counts on cards to boost sales

Cencosud

Tomás Casamayor

Manager of Business Intelligence

Cencosud (Tarjetas Cencosud) achieves 400% faster model delivery and improved financial visibility with FICO Model Builder

Cencosud

Tomás Casamayor

Manager of Business Intelligence

Česká Spořitelna achieves a 26% portfolio profit increase and 29% more new sales with FICO Decision Management Suite

Ceska Sporitelna

Zuzana Sloukova

Retail Risk

Chase achieves higher profitability and lower credit losses with FICO TRIAD 8

Chase

James Bryant

Vice President, Home Lending Risk Management

China Minsheng Bank achieves 85% automated online credit card processing and 3-minute approvals with FICO Blaze Advisor

China Minsheng Bank

Victor Yu

IT Department, Credit Card Center

China Minsheng Bank achieves stronger micro and small enterprise lending risk management and Basel II compliance with FICO

China Minsheng Bank

Shen Zhihua

Senior Export of Risk Management

China Minsheng Bank achieves faster approvals, 10–15% higher response rates and personalized marketing with FICO Blaze Advisor

China Minsheng Bank

Jinqiao Yu

Director of Technology

Círculo de Crédito - Customer Case Study

Círculo de Crédito

Juan Manuel Ruiz Palmieri

Círculo de Crédito

ConAgra Foods achieves deeper consumer insight and higher engagement with FICO Precision Marketing Manager

ConAgra Foods

Kevin Doohan

Head of Interactive Marketing & CRM

Contra Costa Federal Credit Union achieves validated risk scoring, improved loan portfolio quality and faster audits with FICO Portfolio Review

Contra Costra Federal Credit Union

Shelley Murphy

Senior Vice President of lending

Cred-System achieves 96% faster credit origination and 30% lower costs with FICO Blaze Advisor

Cred-System

Davi Brito

Director of Risk

Credit Guarantee Corporation Malaysia (CGC) achieves lower non-performing loans and faster credit decisions with FICO Blaze Advisor

Credit Guarantee Corporation

K. Perbagaran

Chief Risk Officer

CreditBank halves manual underwriting to fuel growth with FICO Capstone Decision Accelerator

CreditBank

Hanadi Saad

Head of retail Operations

Decisive AS achieves faster, more precise and cost-effective decision-making with FICO Blaze Advisor

Decisive AS

Petter Saetherbakken

Marketing Manager

Dell Financial Services achieves faster, more accurate risk and fraud decisions with FICO's Universal Decision Engine

Dell Financial Services

Brian Burdick

Senior Risk Officer

DEVK Versicherungen beats AML compliance deadline and reduces costs with FICO (TONBELLER Siron AML)

DEVK

Jürgen Klein

Anti-Money Laundering Officer

Dock achieves 95% faster fraud analysis and 18% fewer fraud disputes with FICO Falcon Platform (FICO)

Dock

Armando Junior

Head of Fraud Prevention

DoorDash achieves 10–100x faster delivery matching and multi-order routing with FICO® Xpress Optimization

DoorDash

Sifeng Lin

Operations Research Scientist

DyStar achieves centralized global embargo screening and reputation protection with FICO Siron®KYC

DyStar

Anette Weber

Head of Global Product Safety & Ecology

Ecobank Transnational Incorporated achieves AML compliance in 25 jurisdictions with FICO's Siron anti-financial crime solution

Ecobank Transnational Incorporated

Idrissa Diop

Group Head of Compliance

Egg plc achieves real-time, more accurate credit decisions with FICO's Blaze Advisor

Egg plc

Phil Jobson

Analyst on the change and Execution

Elo achieves 15% market share and best-in-class cloud fraud protection with FICO Falcon Fraud Manager (FICO)

Elo

Lori Grandin

Fraud Prevention Head

EOLO achieves 24% revenue growth and service leadership with FICO Xpress Solver

EOLO

Francesco Alberti

Research and Development Manager

Ferratum Group achieves rapid, centralized development of 100+ predictive models across 15 countries with FICO Model Builder

Ferratum Group

Marcus Siljander

Risk Manager

Fifth Third Bank achieves faster, lower-risk bank-card growth with FICO Custom Predictive Models

Fifth Third Bank

Jay Silvestain

Vice President, Bank Card

First Bankcard achieves 10% net response increase with FICO Scorecard Professional

First Bankcard

Mihaela Kobjerowski

Vice President

Garanti BBVA achieves major collection performance gains — 40% reduction in restructure defaults and 80% drop in inbound abandon rate — with FICO Advisors Collections & Recovery Consulting

Garanti BBVA

Teoman Alponat

Consumer Collections Senior Vice President

Gjensidige Bank achieves rapid delinquency reduction and major cost savings with FICO Debt Manager Live

Gjensidige Bank

Global Auto Company achieves up to $12M annual loss reduction and higher approval rates with FICO Optimization Solution for Alternative Deal Structure

Global Auto Company

Global Bank achieves minute-speed strategy changes, lower IT costs and stronger customer insights with FICO's Centralized Decision Service

Global Bank

Energy firm leverages optimization across the enterprise to maximize value from volatile markets

Global Energy Supply Company

Global Financial Services Company achieves faster, lower-risk non-prime auto lending with FICO Origination Manager

Global Financial Services Company

Global Financial Services Company achieves modernized, cloud-based real-time decisioning and personalized account management with FICO Strategy Director

Global Financial Services Company

Global Financial Services Company reduces risk and accelerates auto credit decisions with FICO Origination Manager

Global Financial Services Company

Consumer relationship marketing solution drives multi-brand, mutli-channel marketing efforts

Global Pharmaceutical Company

Globe Telecom achieves 40% drop in delinquency and 15% lower collection costs with FICO Customer Communication Services

Globe Telecom

Mon Pernia

Head of Consumer Collections

Government Employees Health Association (GEHA) achieves pre-payment fraud detection and twelve-fold improvement in case targeting with FICO Insurance Fraud Manager

Government Employees Health Association(GEHA)

Bob Greene

Manager of Data Analysis

Grupo Fleury achieves 10% improved forecast accuracy and faster, granular demand forecasting with FICO Forecaster

Grupo Fleury

Hans Lenk

Director of Business Analysis & Data Insights

HBOS achieves 12% liquidation lift and 97.6%/99.5% reconciliation with FICO PlacementsPlus

HBOS

Healthways achieves 36.7% higher enrollment than CMS goal (17.1% above its target) with FICO Segmentation Models

Healthways

Michael F. Montijo

Senior VP, Government Operations

Hewlett Packard Enterprise modernizes analytics and operationalizes decision-making with FICO Decision Management Suite

Hewlett Packard Enterprise

Ken Elliott

Global Director of Analytics

Highmark achieves rapid fraud detection and increased recoveries with FICO Insurance Fraud Manager

Highmark

Denny Latsha

Project Manager

Highmark achieves 263 new pursuable cases and substantial cost savings with FICO Insurance Fraud Manager

Highmark

Denny Latsha

Project Manager

Home Credit Group achieves rapid expansion to 11 countries, 5% higher approvals and €2M+ profit with FICO Decision Management Suite

Home Credit Group

Vladimir Michl

Group Risk Technology Manager

Honeywell Process Solutions achieves multi‑million dollar profit gains with FICO Xpress Optimization Suite

Honeywell

Jeff Kelly

Solutions Architect

Hong Leong Bank achieves 143% increase in fraud detection and a 2-basis-point fraud-to-sales ratio with FICO Falcon Fraud Manager

Hong Leong Bank

James John

Head of Fraud Management

HSBC achieves rapid, scalable global strategy deployment with FICO Custom Decision Optimization

HSBC

Akihiko Katayama

HSBC

ICICI Bank achieves faster, more consistent auto-loan processing with FICO Blaze Advisor

ICICI Bank

Infosistema achieves rapid, business-user controlled insurance decisioning with FICO Strategy Director

Infosistema

Alexandre Lee

Partner and Board Member

Intesa Sanpaolo Card achieves up to 85% fraud reduction and 400% analyst productivity gains with FICO Falcon Fraud Manager

Intesa Sanpaolo Card

Dean Gracak

Head of fraud management

Itaú-Unibanco accelerates market entry and launches instant-decision credit cards with FICO

Itaú-Unibanco

Ricardo Toledo

Marketing Director

Kabbage achieves 300% revenue growth and rapid product launches with FICO Origination Solutions

Kabbage

Kathryn Petralia

Cofounder and Chief Operating Officer

Kemper Corporation achieves faster real-time underwriting and reduced underwriting risk with FICO Blaze Advisor

Kemper Corporation

Patrick J. Madigan

Asst. Vice President, Underwriting

KeyBank achieves 70–80% reduction in non-value alerts with FICO Decision Tree Professional

KeyBank

Michael Holloway

Senior Operations Analyst

KeyBank achieves effective credit-line strategies to boost growth and control losses with FICO Analytic Modeler Decision Tree Professional

KeyBank

Sudha Venkataraman

Predictive Sciences Team Member,Consumer Credit Risk Management Strategic analytics group

La Polar achieves 5–10% lower default loss and revitalized customer relationships with FICO behavioral modeling

La Polar

Paula Aravena

Risk Manager

Large Australian Bank achieves $8M annual savings and streamlined regulatory reporting with FICO Model Central

Large Australian Bank

Large Australian Bank achieves agile, granular pricing and reduced banker escalations with FICO Precision Price Execution

Large Australian Bank

Large Global Bank achieves 10-30% higher deposit margins and better growth-margin trade-offs with FICO Optimization Solution for Deposit Pricing

Large Global Bank

Large Multi-National Bank achieves 29:1 ROI in 6 months and uncovers new risk predictors with FICO Machine Learning

Large Multi-National Bank

Chisoo Lyons

Vice President, Global Analytics Team

Large Multinational Bank achieves 55% reduction in fraud losses and 25% higher detection with FICO Application Fraud Manager

Large Multinational Bank

Large Multinational Retail Bank achieves real-time automated KYC, 86% fewer manual alerts and cost savings with FICO

Large Multinational Retail Bank

Large National Credit Card Issuer achieves $6M profit improvement per million active accounts with FICO Custom Decision Optimization

Large National Credit Card Issuer

Large US Bank achieves 75% overdraft pay rates, increased revenue and regulatory-compliant decisions with FICO

Large US Bank

Latin American financial firm achieves reduced attrition and increased cross-selling with FICO

Latin American Financial Firm

Leading Chinese banks rely on FICO® Customer Communication Services for collection work without collectors

Leading Chinese Bank

Leading Communication Services Company streamlines customer acquisition and boosts profitability with FICO Optimization Solutions

Leading Communication Service Company

Leading Debt Recovery Company achieves reduced FDCPA violations and $2.4M+ annual collections increase with FICO® Engagement Analyzer

Leading Debt Recovery Company

Leading European Bank achieves €3M+ in prevented fraud and up to 50% lower operational costs with FICO Falcon Compromise Manager

Leading European Bank

Leading Global Banks in Asia-Pacific achieve 50%+ reduction in AML false positives with FICO AML Advanced Analytics

Leading Global Bank

Leading Global Digital Banking and Payment Services Company achieves accelerated digital transformation and increased profitability with FICO Centralized Decisioning

Leading Global Digital Banking and Payment Services Company

Leading Home Construction Company achieves rapid, user-controlled mortgage eligibility and pricing updates with FICO

Leading Home Construction Company

Leading Home Insurance Company achieves 19.6% win-back rate and 60% lower cost per won-back policy with FICO Customer Communication Services for Insurance

Leading Home Insurance Company

Leading Insurance Company achieves real-time, risk-based underwriting and an 8-point drop in combined ratio with FICO Decision Management Suite

Leading Insurance Company

Leading insurer achieves real‑time, risk‑based underwriting and an 8‑point combined‑ratio reduction with FICO Decision Management Suite (Blaze Advisor)

Leading insurer

Leading International Bank closes more loans and automates 25% of communications with FICO

Leading International Bank

Leading mortgage lender cuts online payment fraud and reduces time-to-contact from 90 to 4 minutes with FICO Customer Communication Services

Leading Mortgage Lender

Leading Mortgage Service Company achieves $2–31M annual savings by improving early-stage risk prediction with FICO® 8 Mortgage Score (FICO)

Leading Mortgage Service Company

Leading North American Bank achieves 33% higher fraud detection and dramatically reduced false positives with FICO Falcon Fraud Manager

Leading North American Bank

Leading North American Bank achieves up to 6% profit increase per eligible account with FICO Action Segments for Customer Marketing

Leading North American Bank

Leading North American Bank achieves a unified 360-degree customer view and 5x faster product launches with FICO

Leading North American Bank

Leading Northern European Universal Bank achieves unified, enterprise AML/CFT compliance and zero regulatory penalties with FICO

Leading Northern European Universal Bank

Leading Rural Mortgage Company achieves higher automated approvals and streamlined underwriting with FICO Decisions

Leading Rural Mortgage Company

Leading Thrift Bank achieves 14% higher agent productivity and reduced charge-offs with FICO Debt Manager

Leading Thrift Bank

Leading US Bankcard Issuer achieves $12M incremental profit with FICO's FICO® 8 Score

Leading US Bankcard Issuer

Leading US Consumer Magazine Publisher achieves faster, more precise ad pricing and reduced costs with FICO Blaze Advisor

Leading US Consumer Magazine Publisher

Leading US Credit Card Issuer achieves 300% increase in cases worked with FICO Customer Communication Services

Leading US Credit Card Issuer

Major Canadian Grocery Retailer achieves 40% of grocery sales through personalized loyalty offers with FICO

Major Canadian Grocery Retailer

Major Consumer Packaged Goods Company achieves >90% analytic efficiency boost and millions in savings with FICO Xpress Optimization

Major Consumer Packaged Goods Company

Major European Retailer achieves real-time personalized offers and deeper customer loyalty with FICO Decision Management Suite

Major European Retailer

Major Global Bank achieves reduced overdraft collections and greater efficiency with FICO TRIAD Customer Manager

Major Global Bank

Major Regional Bank achieves 3x credit card acquisitions and 15% higher cross-sell with FICO Retail Bank Offer Manager

Major Regional Bank

Major Southeast Asian Bank achieves unprecedented growth and a unified customer view with FICO Centralized Decisioning

Major Southeast Asian Bank

Major Turkish Bank achieves 80% more fraud detection and prevents TRY 20M in losses with FICO's enterprise fraud solutions

Major Turkish Bank

Major Turkish Bank achieves 98% fraud reduction with FICO's Application Fraud Manager and Falcon Fraud Manager

Major Turkish Bank

Major US Bank reduces deposit hold rates from 22% to less than 0.5% and improves customer service with FICO

Major US Bank

Major US Bank achieves 3% deposit hold rate and 17% fewer branch overrides with FICO TRIAD Customer Manager

Major US Bank

Major US Bank achieves consistent mortgage eligibility, pricing and improved customer service with FICO Decisions (FICO)

Major US Bank

Major US pharmacy benefits manager (PBM) boosts mail-order conversions and operational efficiency with FICO predictive analytics

Major US Pharmacy

Major Wireless Telecommunications Company achieves 100% increase in response rate and millions in revenue with FICO's custom ML model

Major Wireless Telecommunications Company

Manufacturing Technology Centre achieves reduced waste and improved productivity with FICO Xpress Optimization

Manufacturing Technology Centre

Matthew Gibbon

Principal Research Engineer

Marlette Funding achieves better risk management and improved risk/return with FICO Analytic Modeler Scorecard Professional

Marlette Funding

Arnold Pravinata

Chief Decision Science Officer

Mashreq Bank achieves 30% reduction in manual credit decisioning with FICO Capstone Decision Accelerator (FICO)

Mashreq Bank

Khalid Zafar

VP, Credit Systems

Mastercard prevents millions in fraud losses and improves customer communications with FICO Falcon Platform and FICO Customer Communication Services

MasterCard

Vince Haulotte

VP of Global Product Management

Medscheme achieves scalable, agile, transparent claims management with FICO Blaze Advisor (Customer: Medscheme; Solution provider: FICO)

Medscheme

Denise Sleem

General Manager

Mercury Insurance achieves faster, more agile underwriting and empowers underwriters with FICO Decision Management Suite

Mercury Insurance

Kevin Bailey

Director of Underwriting Research and Innovation

Meridian Health achieves $1.1M bad-debt reduction and $1M+ annual recoveries with FICO RMS

Meridian Health

Marilyn Koczan

Meridian Health

Mibanco achieves 90% faster credit policy production and expanded microlending with FICO® Platform

Mibanco

Sebastián Valera

Risk Transformation Manager

Millennium bcp grows customer base and cuts delinquencies with FICO TRIAD Customer Manager

Millennium bcp

Manuel Goncalves

Millennium BCP

Multinational Online Retailer achieves faster seller onboarding, reduced fraud and higher profits with FICO Decision Management Suite

Multinational Online Retailer

Mutual of Omaha achieves greater portal flexibility, security and cost savings with FICO Blaze Advisor

Mutual of Omaha

George Royce

Vice President of Enterprise Architecture and Security

National Australia Bank achieves 3x collections capacity and industry-leading recovery with FICO

National Australia Bank

Matthew Ricker

Head of collections

National Australia Bank achieves 75% automated contacts and NPS jump to 63 with FICO Customer Communication Services

National Australia Bank

Jonathan McCleery

Head of Collections

Nationwide Building Society grows loan portfolio and profitability with FICO Blaze Advisor

Nationwide Building Society

Mark Tuton

Senior Risk Manager

Nationwide Building Society achieves faster product launches and 5% higher loan acceptance with FICO Origination and Customer Management Solutions

Nationwide Building Society

Andrew Jackson

Nationwide Building Society

Natura &Co achieves unified credit decisioning, reduced credit risk and increased revenue with FICO® Platform

Natura &Co

Lavinia Bernal

Credit Risk Director

neckermann.de GmbH achieves faster, more accurate credit risk scorecards with FICO Model Builder

neckermann.de GmbH

Maximilian Fervers

Head of Finance

Nedbank achieves simplified audits and 50% faster model development with FICO Model Builder

Nedbank

John Linfield

Head of the Retail Credit Lab

Nestlé USA achieves significant transportation and production cost savings with FICO Xpress Optimization

Nestle

Shan Collins

Vice President of Planning and Center of Excellence

NORD/LB achieves centralized, real-time liquidity and risk management with FICO

NORD/LB

Tobias Braml

NORD/LB

North American Vehicle Finance Company achieves faster, safer non-prime credit decisions and reduced processing time with FICO Origination Manager

North American Vehicle Finance Company

Parkview Health achieves improved patient safety and quality of care with FICO Blaze Advisor

Parkview Health

Mark Clare

Vice President of Knowledge & Informatics Management

Pekin Insurance achieves point-of-sale underwriting and streamlined expansion with FICO Blaze Advisor

Pekin Insurance

James K. Ruth

Director of Personal Lines Underwriting

PermataBank cuts fraud losses by more than 50% and boosts cardholder satisfaction with FICO Falcon Fraud Manager

PermataBank

Sanjay Nandrajog

Head, Risk Retail & SME Banking

PicPay achieves 10% higher loan approvals and faster time-to-market with FICO Platform

PicPay

Gustavo Burin

Chief Technology Officer

Pöyry achieves 100x faster, more accurate pan‑European energy forecasting with FICO Xpress Optimization

Pöyry

Andrew Nind

Director

Procter & Gamble achieves tens of millions in savings and minimizes waste by optimizing product transitions with FICO Xpress Optimization

Procter & Gamble

David Dittmann

Vice President of Data and Analytics

Prominent North American Bank achieves more predictive, explainable credit risk decisions with FICO Analytics Workbench

Prominent North American Bank

Prosperity Bank achieves faster, more consistent and profitable loan decisions with FICO

Prosperity Bank

Wayne Colee

Senior Vice President, Consumer Lending

Pennsylvania State Employees Credit Union (PSECU) achieves increased member loyalty and faster, automated omni-channel communications with FICO Customer Communication Services

PSECU

William Zysk

Vice President, CCO — Credit Services

PULSE achieves 40% reduction in fraud losses with FICO Falcon Platform

PULSE

Jim Lerdal

Vice President

Raiffeisen Bank International achieves rapid ROI and boosts collections productivity with FICO Debt Manager

Raiffeisen Bank International

Karl-Heinz-Dorfmeister

Manager, International Collections Systems

Regional Credit Union achieves personalized, higher‑ROI prescreen campaigns with FICO’s PrescreenCentral (Equifax Data Decisions)

Regional Credit Union

Riyad Bank of Saudi Arabia achieves automated card application processing and significant account & income growth with FICO

Riyad Bank of Saudi Arabia

Andrew Goodrich

Credit Manager

Royal Bank of Scotland achieves dramatic fraud reduction in two months with FICO

Royal Bank of Scotland

Alasdair Grant

Director

SA Taxi achieves 25% lending growth and cuts application decision time from 2 hours to 10 minutes with FICO Decision Modeler

SA Taxi

Itumeleng Nomlomo

Senior Credit Analyst

Samsung Card achieves safer credit-limit growth and tighter risk control with FICO Credit Capacity Index

Samsung Card

Woochul Lee

Senior Manager

Santander Brasil achieves higher approval rates and halves delinquencies with FICO TRIAD Customer Manager

Santander Brasil

Eliano Sarno Politi

Executive Manager

Scotiabank achieves customer-centric, more efficient collections with FICO Debt Manager

Scotiabank

Brian Bostelmann

Relationship Management Director

Shelby County Trustee achieves $30.9M in delinquent tax collections ($2.9M over projection) with FICO Consulting

Shelby County Trustee

Debra Gates

Chief Administrative Officer

Shelby County Trustee achieves $6M revenue increase and boosts tax collection productivity with FICO® Debt Manager™

Shelby County Trustee

Debra Gates

Chief Administrative Officer

Shell achieves greater control and reliability in plant processing with FICO Xpress Optimization Suite

Shell

Rishi Amrit

Process Control Engineer

Shell achieves optimal plant control and increased reliability with FICO Xpress Optimization

Shell

Alex Martinez

Product Manager Process Control

Shop Direct reduces provisions and cuts collections costs with FICO Xpress Optimization and FICO Debt Manager

Shop Direct

Mark Harrison-North

Head of Credit Risk

Smart Employee Benefits achieves flexible, agile health plan adjudication with FICO Decision Management Suite

Smart Employee Benefits

Rohan D'Souza

Smart Employee Benefits

SolarCity achieves energy-cost savings and grid optimization with FICO Xpress Optimization Suite

SolarCity

Seyed Madaeni

Principal of Grid Engineering Solutions

SONDA (Latin American IT services provider) achieves faster operational efficiency and a three-month ROI with FICO decisioning and optimization solutions

SONDA

Adriano Esposito

Head of Digital Experience & Innovation

Southeast Asian Bank achieves 1M+ e-wallet users and slashes identity fraud with FICO Falcon Authentication Suite

Southeast Asian Bank

Southwest Airlines achieves $39M+ annual cost savings, improved on-time performance, and higher crew satisfaction with FICO Xpress Optimization

Southwest Airlines

Rusty Burlingame

Senior Operations Research Developer

Statistical Office of the Slovak Republic achieves optimised statistical disclosure control and cuts processing from weeks to hours with FICO Xpress Optimization Suite

Statistical Office of the Slovak Republic

Statnett achieves rapid hourly energy forecasting and slashes simulation time with FICO Xpress Optimization

Statnett

Ivar Husevåg Døskeland

Senior Business Analyst

SunTrust Bank achieves 50% increase in new account bookings and cuts underwriting exceptions from 90% to 6% with FICO Origination Manager and Customer Communication Services

SunTrust Bank

Angela Baker

Senior Vice President

TBC Bank cuts loan decision time to under 15 minutes and boosts profits 15% with FICO Origination Manager

TBC Bank

Giorgi Alibegashvili

Strategic Project Manager

TD Canada Trust achieves unified customer-centric decisioning and 60% increase in new unsecured credit volume with FICO Decision Management

TD Canada Trust

Louise Nicholson

AVP Credit Infrastructure

TechBlue achieves successful decision automation and faster, smarter operations with FICO Blaze Advisor

TechBlue

Claye Green

Chief Executive Officer

TELUS achieves stronger fraud protection and streamlined customer onboarding with FICO Application Fraud Manager

Telus

Jacqueline Biggart

Manager of Technology Security

The Co-operative Bank achieves 45% improvement in profit per application with FICO Custom Decision Optimization

The Co-Operative Bank

Howard Price

Head of Credit - Retail Bank

The Coca-Cola Company achieves major loyalty, site-traffic and sales growth with FICO Precision Marketing Manager

The Coca-Cola Company

Tara Scarlett

Senior Manager, Consumer Relationship Marketing and Precision Marketing

Top 5 Latin American Financial Services Company achieves 4x faster go-to-market and over USD$500,000 additional profitability in under 12 months with FICO Centralized Decisioning

Top 5 Latin American Financial Services Company

Toyota Financial Services achieves fewer delinquencies and avoids repossessions with FICO's Collections Treatment Optimization

Toyota Financial Services

Jim Bander

National Manager for Decision Science

Trust Bank achieves rapid customer growth while managing risk with FICO Platform Capabilities

Trust Bank

Lalit Lohia

Chief Risk Officer

UBS card center stopped 74% more card fraud

UBS Card Center

Marcel Drescher

Director of Fraud Services

UK's Largest Insurance Group wins back 20% of lapsed policies with FICO Customer Communication Services

UK’s Largest Insurance Group

UNICRE achieves 10% balance growth and 30% fewer 3‑cycle delinquencies with FICO TRIAD Customer Manager

UNICRE

Felismina Pinto

Deputy Manager

Uniper achieves faster, enterprise-wide optimization and new market opportunities with FICO Xpress Optimization

Uniper

Vanquis Bank achieves agility and expanded credit options with FICO Origination Manager

Vanquis Bank

Glynn Wilson

Head of Business Applications

Vantiv cuts merchant onboarding time from days to minutes with FICO Decision Management Suite

Vantiv

Ravi Shah

Senior Vice President for Enterprise, Architecture and Strategy

Vhi Insurance achieves faster, more profitable claims processing with FICO Blaze Advisor

Vhi Insurance

Damien Malone

Principal Technical Architect

FICO Platform Empowers Volvo's Car Leasing and Sales Innovation

Volvo

Sujitha Davidson

Product Manager

VTB24 slashes loan approval times to under 5 minutes with FICO Origination Manager

VTB24

Oxana Staroselskaya

Head of Credit Risk Methodology

WindFarmDesigns achieves higher energy yield and major CO2 reductions with FICO Xpress Optimization

WindFarmDesigns

Klaus Vogstad

Creator

Worldpay transforms merchant onboarding with FICO Platform

Worldpay

Senthil Erulappan'

Worldpay

Yarra Valley Water achieves rapid application approvals—cutting processing from weeks to minutes with FICO Blaze Advisor

Yarra Valley Water

John Wise

Principal Consultant Wise Technology Management