InterACT Conferences: Americas 2008

Agenda

InterACT will feature four days of presentations and discussion groups on how advanced analytics and Enterprise Decision Management can help you compete. This is your best opportunity to learn from your peers, industry experts and Fair Isaac thought leaders.

Our subjects will include risk management, marketing and analytics, with sessions specifically for the financial services, insurance, retail and healthcare industries.

The focus will be on the technologies and strategies that can drive your success. We will bring you up-to-date on the latest advances in analytics that can give more power and precision to your customer strategies.

SPECIAL EVENT
Connected Decision Making in Turbulent Times:
TowerGroup Survey Results
Wednesday, 11:15am - 12:15pm
Ted Iacobuzio, Managing Director & Practice Leader, Payments, TowerGroup
The volatility of the economy has brought the importance of effective decision management into sharp focus. But how strong are your capabilities compared to the rest of the industry? And what will it take to achieve best practices? You’ll learn the answers to these questions as leading research and advisory services firm TowerGroup presents the results of a survey of major credit card issuers and consumer lenders.

SPECIAL EVENT:
Analytics Symposium
Guest Presenter: Dr. Ralph L. Keeney, Research Professor of Business, Fuqua School of Business, Duke University
Want to get a closer look at analytic innovations from Fair Isaac's R&D labs? Join us for the full-day Analytics Symposium, held on Sunday, April 27. Senior Fair Isaac scientists will discuss new fraud analytic approaches, Xpress-MP optimization, 3D interactive information visualization, decisiion modeling under uncertainty, and automotive analytics using audio and G-Force data. In addition, guest presenter Dr. Ralph Keeney from Duke University will present "Building Practical Models of Values." The Analytics Symposium is one of the most popular events at InterACT, and it is designed for analyst-to-analyst interaction. To secure your place, select "InterACT Conference + Analytics Symposium" when you register.

State-of-the-Art Optimisation -- Business Advances
Matt Lahood, Analytic Consulting Group, Fair Isaac
Lynda Woodward, Analytic Science, Fair Isaac
Advanced strategy optimization technology has provided banks with greater understanding of how decisions at the portfolio and account level affect profits, revenues and losses. Banks are using this technology to further understand the impact of changes in business goals, markets or economies to maintain optimal profit whilst meeting business goals. This presentation features a review by the Head of Decision Science at a leading UK bank on their current and future use of the technology, and a practical demonstration of how the software provided to clients as part of Fair Isaac Strategy Science approach can help you manage changes in strategy.

Preventing Losses Using Transaction Analytics
Brad Jolson, Solution Management, Fair Isaac
Consumer insolvency is a burgeoning phenomenon in Europe and other parts of the world. This session will look at research on different scoring approaches to predicting insolvency, including the balance build that occurs between score triggers and bankruptcy. We'll also examine whether a strategy employing transaction analytics can reduce losses. If you're seeking to shield your firm against a rise in insolvency, hear what part analytics can play.

Enterprise-Level Segmentation: What Are Your Customers Worth?
Mark Merritt, Chief Risk Officer and Associate VP of Marketing Analytics, Canadian Tire Financial Services
Jeriad Zoghby, Research, Fair Isaac
We all understand Pareto's Rule, stating that 80% of our revenue comes from 20% of our customers. However, we often forget that this also means that the other 80% of customers only represent 20% of our revenue.  How can you leverage this skewed relationship to build strategies that increase customer value? Discover how Canadian Tire Bank has used an enterprise-level segmentation to develop new product innovations, operational improvements, and new marketing strategies in their first-year initiative.

New Approaches to Creating, Visualizing and Comparing Strategies
Stuart Crawford, Research, Fair Isaac
Strategies and decision trees are the bread and butter of decision management, but complex strategies can get unwieldy. Fair Isaac has developed a new approach for representing strategies that makes them easier to view and grasp. This session will show you a dynamic approach for strategy viewing that uses run-time information, as well as a technique for comparing strategies that allows the analyst to focus solely on the logical differences between two strategies, illuminating the differences that really matter.

Scoring Innovation: Identifying the Drivers of Behavior
Larry Rosenberger, Research, Fair Isaac
Dr. Jeffrey Feinstein, Research, Fair Isaac
As consumer credit behavior becomes more complicated, with a myriad of options and pitfalls for consumers, it is becoming more important to design sharper tools for predicting these complex behaviors. Any consumer behavior can have multiple causes. In this presentation, we introduce an innovative way to frame the business problem to focus models on drivers of behavior for added insight. This approach enables better understanding of risks and opportunities by refocusing on how consumers interact with their credit. Explore the research behind some of Fair Isaac’s newest analytic products.

Conversion-Based Search Engine Marketing
John Linden, Chief Technology Officer, Think Partnership
Dr. Andrew Jennings, Chief Research Officer, Fair Isaac
Using pay-per-click internet search marketing is an important way for lenders to capture new customers. But how does the search engine market really work and how can a lender make the most of their marketing spend? Fair Isaac and Think Partnership have teamed up to create a new, pay-per-click ad exchange that uses analytics to set prices based performance and prevent fraud. It’s a whole new approach to placing search ads on the internet. This presentation will also review actual results in terms of increased ROI for current advertisers and publishers on the Think Partnership AdExchange.

Optimal Pricing — Balancing Profitability with Competitiveness
Lisa Kart, Product Management, Fair Isaac
Jean Zoch, Analytic Consulting Group, Fair Isaac
Making pricing decisions for your products is a challenge — increased pricing boosts margins, yet may decrease your competitiveness and market share. Reduced pricing will increase your attractiveness in the market, yet may leave money on the table. Striking the right balance with different consumers is at the heart of optimised pricing decisions. In this session, you will learn about the important issues to address and hear about Fair Isaac’s experience in this area.

State-of-the-Art Optimisation — Technical Advances
Alkis Vazacopoulos, Research, Fair Isaac
Lisa Kart, Product Management, Fair Isaac
As leading banks and insurance companies explore optimization to improve results, get a look at the technical advances that are adding more power and precision to analytically driven strategy design. Analytic experts from Fair Isaac and Dash Optimization (now part of Fair Isaac) will help those an analytic background understand the latest innovations in optimization.

INTRO SESSION
Credit Originations
Mary Dupont, Solution Consulting, Fair Isaac
Rich Dougherty, Solution Management, Fair Isaac
Loan origination is arguably the most important step in a credit relationship, since it sets the terms and conditions under which the relationship will either thrive or fail. Learn how scoring, decision automation and selective judgmental reviews improve the precision, consistency, and agility of the originations function. Get an insight into industry best practices, the steps to gauge your organization’s current position and steps to generate a business case for improvement.

WORKSHOP
Managing Highly Indebted Consumers
Brad Jolson, Solution Management, Fair Isaac
Janice Horan, EMEA Financial Services, Fair Isaac
Join Fair Isaac experts who have helped companies in turbulent economic times, as we discuss and participate in exercises that will help you define marketing and risk management strategies for highly indebted consumers. Whether you operate in a sophisticated and debt-saturated market or in an emerging consumer economy with relatively low credit penetration, this information will help you to better understand the risks associated with rising debt levels. We'll explicitly discuss the role that the economy plays in driving credit behaviours - and the increasing role that credit plays in driving economic trends. 

DISCUSSION GROUP
Rebalancing Risk and Growth: Uncommon Circumstance Meeting Common Sense
Jeffrey A. Brown, Managing Director and Practice Lead for Basel II and Economic Capital, Promontory Financial Group
Janice Horan, EMEA Financial Services, Fair Isaac
Daniel Melo, EMEA Financial Services, Fair Isaac
Tom Quinn, Scoring Solutions, Fair Isaac
Larry Rosenberger, Research, Fair Isaac
In a year where even Alan Greenspan underestimated the mortgage problems in the US, what else might have been missed by those hoping to balance risk and growth? How do the lessons learned in the US challenge lenders in both saturated and emerging markets to leverage corporate strategies, demographic trends, existing portfolio tools and developing technologies to drive profitable portfolio growth? Join us in this discussion group as we address the issues on every lender’s mind.

PANEL DISCUSSION
Finding Growth Opportunities among the Underbanked
Kimberly Gartner, Center for Financial Services Innovation
Tim Sandos, President and CEO, National Association of Hispanic Real Estate Professionals
Debasmit Mohanty, Director of Risk Management, Citi Financial
Shawn Moore, Scoring Solutions, Fair Isaac
Some 70% of underbanked consumers have a banking relationship, but 2/3 of them use non-traditional credit products to fill their needs. This misalignment presents a significant growth opportunity for financial institutions. In this panel discussion, experts from the Center for Financial Services Innovation, Citi Financial and the National Association of Hispanic Real Estate Professionals will share important insights into the needs and behaviors among subsegments of the underbanked, and how your bank can prosper by offering the right products through the right methods of distribution.

CASE STUDY
Lessons for Everyone in Colombia's Explosive Mortgage Growth 
Yvan Lopez, Solution and Technology Consulting, Fair Isaac 
Federico Gonzalez Villegas, Director of Credit Risk, Bancolombia
Economic stability is arriving in Latin America, and demographics point to a boom in demand for housing and consumer credit in the next 10 years. The biggest bank in Colombia has decided to actively go into the mortgage business, despite the recent crash in the US and other markets. Find out what Bancolombia is doing to control risk and build market share among mortage borrowers in two key segments of its market. 

CASE STUDY
Judgmental Underwriting in a Scored Environment 
Mary Du Pont, Solution Consulting, Fair Isaac 
While scoring is often used to expedite loan processes and reduce or eliminate so-called "judgmental" underwriting, this can leave lenders with a process that cries out for human expertise to complete the equation. National City Bank is undertaking a large initiative to change their underwriting process, including the use of judgmental underwriting alongside scoring. What is the value and appropriate methods for balancing these two approaches? Hear how National City is rallying its organization around large-scale change in a complex environment, and the gains they are seeing. 

CASE STUDY
Counting on Cards to Boost Retail Sales
Marcelo Reyes Sangermani, Risk Director, Cencosud
In 2005, the use of retail cards in Chile surpassed that of bankcards for the first time. Chilean retailers are redefining the concept of "one-stop shopping," transforming their core businesses to include finance retailing. Find out how one leading Chilean retailer uses advanced account management and analytic technology to increase its average monthly credit line by six-fold, reduce risk by 25% and bust through bottlenecks in customer service.

CASE STUDY
Developing an Enterprise Decision Engine for Originations 
Antonio Paulo Conde, Portfolio Manager, Central America, Citibank Brasil
Hear how a leading issuer is able to accelerate growth by improving the precision, consistency and agility of its credit initiation decisions.  

INTRO SESSION
Strategies for Best-in-Class Collections
Lynne Labrador, Solution Management, Fair Isaac
Best-in-class collectors know the right strategies to use to address the tough questions. Should I call all past-due customers? Is more or less contact better? Should I move my best collectors into recovery? Should each call center manage its own list? The best responses are often surprising and counter-intuitive. This session gives you winning strategies that can give your collections operations an edge and help you improve roll rates, minimize charge-offs, and fine-tune policies for the highest return.

Crisis or Correction: Why You Need to Be In Action!
Larry Grant, Principal, Aurum Consulting
Larry Dukes, Principal, Aurum Consulting
Today’s volatile and complex economic landscape requires credit issuers to improve their capabilities and skills for: more integrated monitoring and analysis of portfolio trends, earlier identification of strategy breakdowns and opportunities, and rapidly shifting collection strategies and resources. In this session, the authors of Lifting the Rocks, Finding the Gold will address how credit issuers’ emphasis on performance management must now include forward-looking, analytically driven change management processes. 

Collection Analytics: What is the Next Step for Your Organization?
Lynne Labrador, Solution Management, Fair Isaac
Cecilia Mao, Product Management, Fair Isaac
As consumer indebtedness and defaults rise, it's imperative to examine your organization's use of collections analytics. This session illustrates how to take your analytics to the next level in order to improve collection results, no matter where you are starting. See what operational challenges are expected with each analytics step, and understand the different ways you can address them.

PANEL DISCUSSION
Expertise and Wisdom for Collections Operations
Lynne Labrador, Solution Management, Fair Isaac (moderator)
Gary Harman, EVP and Chief Risk Officer, HSBC Auto Finance
Steve Schultz, Collections Strategy and Analytics Leader, GE Money - Sales Finance
Economic changes create new demands for the collections function, calling for new techniques. This panel — drawn from some of the most expert and accomplished leaders in the collections industry — will discuss the most important methods required for success today, including consistent use of scoring, pre-delinquent treatments and evolving contact strategies.

CASE STUDY
Changing the Game — GE's Vision for Virtual Collections
Cecilia Mao, Product Management, Fair Isaac
Steve Schultz, Collections Strategy and Analytics Leader, GE Money - Sales Finance
Ed Broyles, Adeptra
The collection business gets tougher every year. Debtors are getting harder and harder to contact, and collections resources are becoming more and more costly. So how do we change the game and drive efficiency and effectiveness improvements of 50% or more? Hear a senior collections executive from GE Money share his firm’s vision for integrating automated “virtual” channels — such as interactive voice, text messaging, email, and the web — with advanced analytics for prioritizing delinquencies and predicting customer behavior. Rules-based contact strategies that employ the right virtual channel at just the right time, combined with an effective and highly personalized treatment, can yield dramatic performance improvements and reduce costs. This session will show how virtual channels must work in concert to make the dramatic improvements you are looking for. 

CASE STUDY
Automating Collections
Mihai Rauta, Director Consumer Risk, Raiffeisen Bank Romania
Cencosud has advanced its collections operation by moving from a custom solution to a stable, automated collections environment. Find out how this resulted in productivity improvements, risk reduction, greater ability to add new products rapidly, and better control for business users.

INTRO SESSION
Customer Management Best Practices
Linda Heger, Solution and Technology Consulting, Fair Isaac
What are the best practices and challenges in managing credit customers? This session presents Fair Isaac's experience working with worldwide users of its customer management systems, and shares some of the techniques, strategies and practices that spell success for credit portfolio managers.

The Mortgage Crisis: Implications for a Global Economy
Joe Breeden, President and CEO, Strategic Analytics
Join Joe Breeden, President and COO of Strategic Analytics, as he shares research into the factors behind the US mortgage crisis. Learn how profitability drivers in the mortgage industry may have set the stage for an inevitable downturn, and how lenders operating in the UK, Spain and other "housing bubble" markets may find themselves similarly vulnerable. Gain perspectives from Fair Isaac as we comment on the opportunities for loss mitigation that remain available to lenders on this side of the pond.

How Will Economic Changes Affect Your Portfolio's Performance?
Lynda Woodward, Analytic Consulting Group, Fair Isaac
Chiung-Chi Wang, Analytic Consulting Group, Fair Isaac
Were your account management or acquisition strategies developed during a more favorable economic environment? How and where do you make changes while balancing profitability? Come and see what analytic tools are available and how strategies can be managed in changing economic times.

Managing Diverse Portfolios in an Era of Expanding Multi-Country Merger Activity
Manuel Silva Gonçalves, Retail Risk Modeling Unit, Millennium bcp
Michelle Katics, Independent Consultant
Bill Gray, Head of Secured Credit, Abbey National plc, part of the Santander Group
This is your chance to discuss cross-border management challenges, including mergers, acquisitions and new product introductions. Our expert panelists from financial services and insurance will discuss how risk management challenges and growth objectives can be met through the use of decision management capabilities, and explore other secrets that mean the difference between success and failure on the global stage.

Tickets, Turnstiles and Payments - The New Face of Mobile Payments
Janice Horan, EMEA Financial Services, Fair Isaac
Dag-Inge Flatraaker, General Manager, Group Payments Strategy and Infrastructure, DNB Nor
The face of payments is changing dramatically both at point of sale and across market categories. As customers become accustomed to mobile phones with credit card capabilities, banking, retail and telecommunications industries can no longer be viewed as separate consumer industries. Join us as we examine the ramifications of payment solutions driven by mobile technologies and how this will impact borrowers, banks and the economy. Dag-Inge Flatraaker will be on hand to discuss the business rationale and strategy of DnB NOR's entrance into the mobile payments area, also including experiences achieved so far in Norway. Dag-Inge is also chairing the European Payments Councils work on e&m  (e-channels and mobile channels) and will share with you the European banking industry's plans to create a European and potentially global cross-industry environment and framework for payments and financial services via the mobile channel (including the TSM framework).

Post-Reform Bankruptcy Insights
Hilary Bonial, Brice, Vander Linden & Wernick, P.C.
Careen Foster, Scoring Solutions, Fair Isaac
Denise Tellinghiusen, Scoring Solutions, Fair Isaac
Freddie Huynh, Development, Fair Isaac
More than two years have elapsed since major bankruptcy reform shook the US. In this session we'll explore how consumers’ behavior has changed and how this has changed predictive patterns, producing insights you can use to advance your risk management.

PANEL DISCUSSION
Finding the Losses You Never See Until It's Too Late
Brad Jolson, Solution Management, Fair Isaac
Fernando Lopez, EMEA Financial Services, Fair Isaac
Greg McCurdie, Senior Director, National Risk Monitoring, Canadian Imperial Bank of Commerce
First-party abuse is a growing issue globally. In this panel, you will see how banks from all over the world are handling the analytical, operational and financial challenges of identifying customers that don't trip your risk or fraud score warning bells until it's too late.

Portfolio Valuation — New Analytic Approaches
Daniel Melo, EMEA Financial Services, Fair Isaac
Understanding a portfolio's value is perhaps the most critical strategic insight for risk managers coping with current market turmoil and the focus on capital reserves. The dangers of over-estimating — or underestimating — the potential cash flow from a portfolio have never been more clear. In this session, we will discuss approaches to estimating portfolio worth, and how analytics and decision technologies can play a role in the valuation process. You'll see examples of the valuation technique used in practice both on the sales and aquisition side of portfolio valuation. 

Automate, Improve and Connect: How Fair Isaac's Enterprise Decision Management Architecture Will Advance Your Decisions
Paul Daro, Development, Fair Isaac
Fair Isaac has advanced its strategy to build the first true systems architecture for Enterprise Decision Management in an SOA environment. Learn about how the architecture means for your decisions, and the roadmap for migrating your Fair Isaac applications to the EDM architecture. to the EDM architecture.

The Dynamic Business Applications Imperative
John Rymer, Vice President and Principal Analyst, Forrester Research
Most business applications are too inflexible to keep pace with the businesses they support. What's needed is a new generation of enterprise applications that adapt to the business and its work and evolve with it. Forrester calls this new generation Dynamic Business Applications, emphasizing close alignment with business processes and work (design for people) and adaptability to business shifts (build for change). In this session, hear from John Rymer, the co-author of Forrester's report on Dynamic Business Applications, how decision services fit in, and what these applications mean for your business's agility.

CASE STUDY
Using Risk Applications to Drive Growth and Profit
Dave Woodall, Senior Manager, Discover Financial Services
Xun Shao, Technical Architecture, Fair Isaac
Kevin Broida, Solution Integration, Fair Isaac
Using the tools and techniques of Decision Management, Discover Financial Services has accelerated design, development and operation of important portfolio management functions. The company has quickly and reliably implemented an array of new real-time transaction and offline batch processes. In this session, you’ll learn first-hand how Discover’s emphasis on decision-making excellence has created top-line and bottom-line benefits. 

CASE STUDY
So You Want to Build a Decision Engine… 
Chris Collard, Senior Solutions Architect, Dell Inc.
The enterprise integration components associated with rules engine implementations demand thinking ahead. Learn from the experiences of Dell, which has successfully used business rules management to create a sophisticated Decision Management environment.  

A Two-Fisted Approach to Cutting First-Party Fraud Abuse
Scott Zoldi, Development, Fair Isaac
As much as 20% of credit write-offs can be attributed to first-party abuse: customers who applied for and were approved for credit, used the account, but never intended to make payments. We will describe a new two-stage analytic approach to reduce losses to first-party fraud, combining originations models with early-life transaction scoring. See the lift this approach can give over existing methods.

CASE STUDY
Delivering Customer Satisfaction and Reducing Debit Card Fraud
Louise Lanoie, Director, Portfolio, Collections and Security Management, Desjardins Card Services
Louise Paquette, Manager, Fraud Prevention, Desjardins Card Services
Fernando Lopez, Fraud Solutions, Fair Isaac
With debit card usage increasing, Desjardins has taken a proactive approach to curtailing the associated increased in debit card fraud. Learn how a leading issuer has been able to reduce fraud while maintaining a high level of customer satisfaction.

The Cross-Channel Criminal: Best Practices for Stopping Agile Fraudsters
Erik Stein, Fraud Solutons, Fair Isaac
Financial fraud is a complicated beast, but can be distilled to key risk dimensions that can be effectively, repeatedly deployed across banking channels. This session will reveal the core fraud dimensions, and frame ways to plan your counterattack.

PANEL DISCUSSION
Finding the Losses You Never See Until It's Too Late
Brad Jolson, Solution Management, Fair Isaac
Fernando Lopez, EMEA Financial Services, Fair Isaac
First-party abuse is a growing issue globally. In this panel, you will see how banks from all over the world are handling the analytical, operational and financial challenges of identifying customers that don't trip your risk or fraud score warning bells until it's too late.

Innovations in Fraud Analytics
Scott Zoldi, Development, Fair Isaac
Startling advances in fraud analytics — such as multiple profiles, self-calibrating models and global profiles — give you more power to tackle new fraud areas and increase the effectiveness of your current fraud solutions. Take a look at the latest analytic technologies, coming soon to Fair Isaac’s industry-leading fraud systems.

New Dangers and Strategic Responses
Fernando Lopez, Fraud Solutions, Fair Isaac
Adam Davis, Solution Consulting, Fair Isaac
As the industry implements new protections, criminals continue to adapt and evolve their techniques to perpetrate fraud. This session will explore some of the latest techniques and growing challenges, such as card-not-present fraud and online banking fraud, and discuss best practices to mitigate against them.

Internal Fraud: Finding the Enemy Within 
Andy Downs, Enhanced Fraud Manager, Deposit, Control, & Loss Prevention, Wachovia
Mike Williams, VP Business Development, Memento, Inc.
Internal fraud is embarrassing and expensive. It’s an insidious problem that causes major losses and incalculable damage to your reputation and brand. And traditional, reactive research and forensic investigations aren’t enough to stop it. Find out how visionary financial institutions like Wachovia are tapping new, proactive measures to identify and stop internal fraud. Get real-world insights on best practices. And find out how Memento Security has helped Wachovia reduce fraud losses, protect its customers, and ensure compliance.

Managing Compromised Cards
Mike Urban, Fraud Solutions, Fair Isaac
ATM compromises are one of the most significant fraud threats to financial institutions, allowing criminals access to large numbers of cards at once. In this session we will review some of the strategies and operational best practices you can deploy to effectively protect yourself from these critical events.

Enhance Debit Fraud Protection through Device Profiling 
Mike Urban, Fraud Solutions, Fair Isaac 
Robert Woodbury, Vice President, Product Solutions, NYCE Payments Network
According to the Gartner Group, PIN debit transactions are preferred by consumers over other payment types, even ones tied to reward programs. Criminals also prefer cash and continue to mount attacks on PIN debit cards. Find out how NYCE is combining device profiling and Fair Isaac's CardAlert service to bring a new level of protection to PIN debit transactions for their network and financial institutions. 

Fraud Risk Management and FACT Act Identity Theft Red Flag Guidelines
Robert Easter, Solution Sales Executive, IBM Corporation
Financial services institutions are rushing to meet the mandatory November 1, 2008, date to demonstrate compliance with the new FACT Act ID Theft Red Flag Regulations, in addition to addressing myriad regulatory and fraud risk management needs. See how Fair Isaac and IBM can help you reduce fraud losses and improve customer insight via real-time preventive/detective controls to mitigate risk.
 

INTRO SESSION
Rules and Process Management for Insurers
Ian Brodie, Insurance Solutions, Fair Isaac
Business rules management may sound tech-y, but savvy insurers are using this technology to reach real objectives around process automation and profit acceleration. Business rules management gives you control over how the rules throughout your business are evaluated, centralized and managed. Whatever part of the insurance business you manage, rules can work for you, and we'll explain how in this introductory session.

Integrating Decision Technology
Chris LeBaron, Insurance Solutions, Fair Isaac
Charlie Adams, Mutual of Omaha
Decision technology, such as predictive analytics and business rules management systems, can give you dramatic improvements in your business -- but first, you have to get them integrated smoothly within your operational systems. What are the pitfalls and best practices for building your decision management infrastructure, and getting new models into your production environment swiftly? Hear a case study that will give you new insights into how you can accelerate the process of transforming your decisions through technology.

Insurance in the 21st Century: Survival of the Fittest
Mike Gordon, Insurance Solutions, Fair Isaac
Donald Light, Senior Analyst - Insurance, Celent
David Taylor, Accenture
What it will take to bring your company to a leadership position? In this joint presentation, hear industry experts discuss the priorities for the Twenty-First Century Insurer. We'll discuss the technology, analytics, optimization skills and knowledge management needed to win today.

Reduce Claim Leakage Through Smarter Decisions
Leslie Charney, Insurance Solutions, Fair Isaac
Learn how to empower adjusters to make smarter decisions throughout the claims lifecycle: using decision management technologies to reduce sources of claims leakage. By combining predictive analytics and rules management, these systems can improve claims reporting, help set more accurate reserves, find fraud and subrogation opportunities, monitor policy limits, and triage the most complex claims to your best resources early in the life of the claims.

The Role of Modeling in Insurance Decisions
Scott Horwitz, Insurance Solutions, Fair Isaac
As insurers begin to spend more time, effort and money on building and deploying models, they need to understand what makes a “good” model and which kinds of models work best in different circumstances. This session will help you identify the need for a predictive model, how to identify the criteria for a "good" model and how to improve your development of strategies that use models for segmentation.

Using Science to Stop Multi-Line Fraud Artists
Leslie Charney, Insurance Solutions, Fair Isaac
Fraud continues to be a multi-billion dollar problem impacting all lines of business. Fair Isaac's multi-line fraud solution identifies more suspicious claims without putting a burden on your claims and IT infrastructure. Find out how it works, who's using it and how it can improve your fraud detection in auto, home, workers comp, commercial auto and other lines.

Accelerating Growth in Multiple Lines of Business
Scott Horwitz, Insurance Solutions, Fair Isaac
From a strategic view, Insurance companies set goals to grow their business; however, the translation from “what” they want to “how” they are going to achieve it is a challenge. Personal lines is often focused on price to move the growth needle. Other lines of business may have more difficulty in varying policy premiums, but have other levers to pull. This session will help insurers see how decision optimisation can lead to improved tactical strategies using multiple levers that accelerate movement toward strategic goals.

Credit-Based Insurance Scores:  Regulatory Update
Lamont Boyd, Product Management, Fair Isaac
Neil Alldredge, Vice President, State & Regulatory Affairs, National Association of Mutual Insurance Companies
Dr. Patrick L. Brockett, Director, Risk Management and Insurance Program, College of Business, The University of Texas
Alex Hageli, Manager, Personal Lines, Property Casualty Insurers Association of America
This session will address regulatory and legislative issues facing the insurance industry’s use of Fair Isaac Credit-Based Insurance Scores. We will share perspectives from insurers, from regulators / legislators and from academia, as well as insights on current state activities from our insurance score experts, who work continually to champion the use of scoring in states across the US.

Increase Your Scoring Success: New Applications
Ian Brodie, Insurance Solutions, Fair Isaac
Scott Horwitz, Insurance Solutions, Fair Isaac
Using credit-based insurance scores in underwriting is just the first step in making scores pay off for your company. In this session, you will learn about other ways you can improve your decisions and control risk through scoring and predictive modeling. We’ll explore uses in underwriting, marketing and claims for both personal and commercial lines of business. Whether you’re looking to extend your success using bureau-based scores or just starting to explore predictive analytics, this session will help you understand your options.

Turn Better Underwriting Decisions into an Enterprise Asset
Wendell Larson, Insurance Solutions, Fair Isaac
Frank McConnell, Vice President, Grange Insurance Association
Peter Delucchi, Product Design and Support Executive, Insurance Services, CSAA
Jimmy Liu, Manager, eBusiness, IBX
Industry underwriting and IT decision makers are looking to refine their underwriting and pricing decisions as well as bring predictive analytics into the process. Those that have succeeded are struggling with how to deploy their new capabilities and optimize their decisions decisions. They would also like to explore expanding their efforts to other areas of their organization, such as prospecting and claim fraud. In this session, discover the advances that insurers are making in decision management, and how to take your success to the next level.

Know Your Customer: Expanding Marketing Segments to Improve Targeted Results
Carlos Zavala, Insurance Solutions, Fair Isaac
Leveraging the right data to improve marketing segmentation will increasingly become a requirement for risk profiling, customer retention & acquisition, and lifetime value assessment. Insurers will need to leverage more accurate data to appropriately determine the risk an individual represents on a local and cross-border basis, and the right way to market the ideal offer to each customer segment. This session will review what decision techniques and technologies will deliver enhanced risk profiling to improve insurers’ marketing decisions.

Opportunities to Improve and Automate
Mike Gordon, Insurance Solutions, Fair Isaac
Don Canning, Managing Director, Worldwide Insurance, Microsoft
As insurers refresh the technology supporting their underwriting processes, specific technologies and innovations enable measurable improvements in performance through improved risk and exposure decisions while also automating these decisions to an ever greater degree. Legacy underwriting solutions have focused on single points in the process, and often lack the agility to support underwriting rules that can adapt with quickly changing conditions. Come find out about the latest work that Microsoft and Fair Isaac have been doing to address underwriting throughout the process and enable more precise and agile decisions, leveraging business rules management and the latest Microsoft technologies.

CASE STUDY
Developing Basel II Parameter Estimates
David Molyneaux, Analytic Science, Fair Isaac
One of the largest financial institutions in the middle east worked with Fair Isaac on a Basel II Parameter Project, developing measures of PD, EAD and LGD for each portfolio using direct score-based as well as top-down estimation methodologies. The talk will cover the key challenge of incorporating the bank’s data and business experience into the framework prescribed by the Accord, as well as documenting the complex concepts for both the bank and local regulator.

Financial Services:  Legislative / Regulatory Update
Vance Gudmundsen, Government Affairs and Data Privacy, Fair Isaac
Credit scoring studies by the Federal Reserve Bank; authorized user trade lines; Minnesota's mortgage triggers bill; New York's credit inquiries bill. The regulatory landscape has been further complicated by the mortgage meltdown — at InterACT, spend an hour with Fair Isaac's VP for government affairs and data privacy, as he gives you the lowdown on what's coming and how it will affect you.

Developments in LGD Modeling
Johan Jansen van Rensburg, Analytic Consulting Group, Fair Isaac
One of the most challenging areas of Basel analytics is modeling Loss Given Default. This session will explore different developments and modeling approaches, and the pros and cons of each.

Fraud Risk Management and FACT Act Identity Theft Red Flag Guidelines
Robert Easter, Solution Sales Executive, IBM Corporation
Financial services institutions are rushing to meet the mandatory November 1, 2008, date to demonstrate compliance with the new FACT Act ID Theft Red Flag Regulations, in addition to addressing myriad regulatory and fraud risk management needs. See how Fair Isaac and IBM can help you reduce fraud losses and improve customer insight via real-time preventive/detective controls to mitigate risk.

INTRO SESSION
Analytic Essentials in Risk Management
Felipe Molina, Analytic Consulting Group, Fair Isaac
Banks in developing economies struggle to acquire new customers faster while controlling risk. What analytical methods need to be in place to be a successful lender? What part do scorecards play, and how do they work with decision strategies?  In this introductory session you will learn how scorecards and strategies are developed, implemented and assessed in an ongoing pursuit of making analytically fuelled decisions.

The Power of Positive Bureau Data
Maria Dolores Gil de Oliveira, Product Manager, ACSP
Roseli Garcia, Sales Director, ACSP
Rachel Bell, Scoring Solutions, Fair Isaac
While markets around the world are gaining from the sharing of positive data, many lenders are still reluctant to provide such data to credit bureaus, even when the local regulations allow it. This session will show that fears of giving away valuable data and losing customers are overstated, and are far outweighed by the benefits of being able to make better informed and more precise decisions about your customers and applicants.

Consumer Empowerment and Financial Literacy
Keith Hillestad, Consumer Solutions, Fair Isaac
Consumer credit management education is not only smart business, it's profitable. Learn how a new program from Fair Isaac can help you provide greater credit scoring transparency to help your consumers improve their financial literacy.

Model Boost: An Easy Way to Accelerate Your Analytic Advantage
Eduardo Cheng, Analytic Consulting Group, Fair Isaac
Francisco Kurniadi, Analytic Consulting Group, Fair Isaac
There's a sure-fire way to increase the performance of your predictive analytics: refresh your models. Model redevelopment is essential, particularly in times of change, in order to keep abreast of changes in consumer behaviour, your customer mix and analtyic techniques.Join us to find out how much value a model refresh can add, what are the criteria for determining when to redevelop models, and what new technologies exist to add more power to your mdoels.

Credit Score Trends in Dynamic Economic Times
Tom Quinn, Scoring Solutions, Fair Isaac
Given the turbulent economic markets, lenders want to understand if existing predictive tools continue to “hold up” over time.  In this session we will share the results from a new analysis of FICO® score trends over recent times, and provide insight into the latest changes in predictive patterns that lenders can consider in risk mitigation strategies.

PANEL DISCUSSION
Moving Forward in Mortgage Lending 
Joanne Gaskin, Scoring Solutions, Fair Isaac 
Molly Boesel, Director, Economics, Fannie Mae
David Berson, Chief Economist, PMI Group
In a downward cycle for mortgage lending that may be unprecedented, how can lenders learn from the market's collapse in order to move forward? Join us as we look at the mortgage crisis from different perspectives to address this issue and understand what lenders are doing today. A large part of this session will be Q&A with our panelists, so bring your questions.

PANEL DISCUSSION
Authorized User Trade Lines
Pete McCorkell, Senior Legal Counsel, Wells Fargo
Jason Wright, TransUnion
Vance Gudmundsen, Government Affairs and Data Privacy, Fair Isaac
Tom Quinn, Scoring Solutions, Fair Isaac
How are lenders and scoring systems dealing with the fraudulent “renting” of authorized user accounts for short-term gain in credit rating? A panel of industry experts will discuss current industry challenges associated with authorized user trade lines, and explore potential industry best practices to protect genuine use while stopping the scam artists.

INTRO SESSION
Small Business Analytics
Aaron Pancharian, Development, Fair Isaac
Sharon O'Connor Clarke, EMEA Financial Services, Fair Isaac
While many SME lenders complain about the paucity of data available to assess the risk of their smaller customers, others have moved ahead in developing robust analytics for originations and customer management. In this session, see examples of how various analytics techniques can be used to address data shortages, and extend analytic use across the credit life cycle for this specialized lending segment.

DISCUSSION GROUP
The Big Business of Small Business
Cordell Wise, Product Management, Fair Isaac
Sharon O'Connor Clarke, EMEA Financial Services, Fair Isaac
Are you building a small-business credit portfolio, looking to improve the way you manage your existing clients, or expanding the services you offer small business owners? Join Fair Isaac and our industry partners as we explore current trends in small business lending and leasing. This interactive discussion will cover the business context, opportunities, threats and solutions applicable in supplying credit to small and medium enterprises. Join us for a lively discussion.

Topics and speakers subject to change.

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