Hear Podcast Previews of these sessions:
The Impact of Customer Scoring Throughout the Lifecycle — Susie Upton, Westpac Banking Corporation
The Road to Best — Rajiv Sabharwal, ICICI Bank
Predicting Bankruptcy and Preventing Losses Using Transaction Analytics — Brad Jolson, Fair Isaac
Discussion Group:The Big Business of Small BusinessTuesday, 3:30 - 5:00Are 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 in the Americas. 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.
21st Century Banking: Customer Centricity and Information ArbitrageWednesday, 11:00 - 12:00Raffi Kassarjian, Business Consulting Group, Fair IsaacDavid Vander, Managing Director, Worldwide Financial Services, MicrosoftCracking the customer-centricity code is imperative. Heightened competition in the banking sector, new competition from non-banks and lower switching costs make it even more imperative for banks to understand their customers and create stronger relationships. The good news is that service-oriented architectures, enterprise data warehouses and advances in decision management technology are making it easier to turn your customer data into a real competitive advantage through "information arbitrage." In this session, we'll explore new methods and technologies to share and deepen customer insight throughout your organization.
Growing by Knowing — Small Business Profitability from the InsideWednesday, 11:00 - 12:00Cordell Wise, Small Business Solutions, Fair IsaacSmall businesses are one of the fastest growing and most profitable segments for financial institutions today. Unfortunately these profitable customers are in many ways invisible. And many are hiding in plain sight. How do you find them? How do you keep them? Surprisingly, the answers may be in your own backyard. In this session you'll learn why small business owners aren't like other consumers — and why they're not like larger commercial entities either. You'll also discover some creative ways to tap into this lucrative segment efficiently and profitably.
Managing Customers in a Dynamic Market — A Case StudyWednesday, 11:00 - 12:00Eliana Sarno Politi, Executive Manager - Risk Strategy for Cards Portfolio, Santander BrazilLearn how Santander Brazil has overcome the challenges of managing customers in the dynamic Brazilian card market by deploying the TRIAD™ adaptive control system. You'll gain an understanding borne of Santander Brazil's own experiences, and will hear how Fair Isaac has assisted the bank in their success.
Sharpen Your Focus on Small Business AnalyticsWednesday, 2:45 - 3:45Aaron Pancharian, Small Business Solutions, Fair IsaacToday's small business credit grantor has a wide array of models and data sources to choose from when making a decision. What's the right tool for lending in Canada and the United States? Does my portfolio consist of a broad array of industries or is it specialized, such as in agriculture? Which industries are consistently high or low risk? What are the benefits and trade-offs of incorporating multiple data sources in my decision making? Join us as we discuss the right way to approach these questions, and explore the latest in analytics and best practices for small business origination.
New Product, New Customers, No Data — A Case StudyWednesday, 2:45 - 3:45Mohan Jarayaman, Head of Business Intelligence, ICICIJaime Vargas, Analytic Consulting Group, Fair IsaacHow do you go from a business plan to a project plan? How do you get started with very limited or nonexistent data? How can a bank balance the trade-off of meeting aggressive card volume goals with managing subsequent losses? What are the operational pitfalls in executing the campaign? These are just some of the challenges ICICI Bank faced in their launch of a new product in the Indian consumer credit market. Learn how ICICI tackled these challenges and the role analytics played in their approach.
Security Freeze! Are Your Data Options Narrowing?Wednesday, 2:45 - 3:45Eric J. Ellman, Vice President and Counsel, State Government and Federal Regulatory Affairs, Consumer Data Industry AssociationRebecca Kuehn, Assistant Director for Privacy and Identity Protection, Federal Trade CommissionTom Quinn, Financial Services Market, Fair Isaac How far will US legislators go in restricting your institution's use of data? How is the industry defending itself? Get perspectives on the latest rumblings from Capitol Hill and US state legislatures, and how they could affect the way we all do business.
Development of Risk Management Techniques in the US Checking Account Industry Wednesday, 4:00 - 5:00 Chris Hamilton, Senior Vice President, WaMuAndrew Beckman , Solution & Technology Consulting, Fair IsaacThe risk management techniques that have been in use for decades in the credit industry are now beginning to be applied to the demand deposit industry in the United States. This session will cover the available tools and techniques and how they can be used to reduce losses, increase revenue, and stem attrition for DDA issuers. Find out how WaMu are using these tools to manage their checking account portfolio.
Loans on Aisle 5 — Please Text Me Your PaymentWednesday, 5:15 - 6:15Janice Horan, Financial Services Market, Fair IsaacWhen WalMart Mexico stores launch banking services later this year, it will start a new chapter in competition for financial services. Join this discussion on the changing face of payments, where we'll examine not only the ramifications of a broader retailer mission, but also of payment solutions driven by mobile technologies and how this will impact borrowers, banks and the economy.
The Impact of Customer-Level Scoring Throughout the LifecycleWednesday, 5:15 - 6:15Susie Upton, Head of Unsecured Risk and Analytics, Westpac Banking CorporationFind out how lending leader Westpac has applied customer-level scoring to drive more effective decisions in account acquisitions, portfolio management and collections.Hear a Podcast Preview of this presentation
Spotlight Session:Banking Business Trends for 2007Thursday, 10:00 - 11:00Ted Iacobuzio, Managing Director and Practice Leader, Payments, TowerGroupHear TowerGroup’s Ted Iacobuzio discuss the most important trends for financial services institutions. Topics will include the migration away from monoline payment card issuers, the importance of the deposit account, how customer decisions are managed and the move toward a holistic view of the customer.
Scores on Statements — Goodwill, Education and Revenue OpportunitiesThursday, 10:00 - 11:00Shon Dellinger, Consumer Solutions, Fair IsaacA new program that delivers FICO® scores via customer statements can give US financial institutions an opportunity to improve customer service and retention while creating an new revenue stream. Find out how this innovative service is working for early adopters and how you could use it to make your statements into "must-read" mailings!
Raising the Bar: A TRIAD 8 Case StudyThursday, 11:30 - 12:30James Bryant, Vice President, Chase Home Equity Risk Management, JPMorgan ChaseWith the new release of the TRIAD™ adaptive control system, users throughout the world are set to increase the benefits they see from the world's leading system for managing credit accounts and customers. Discover why one leading bank upgraded to TRIAD 8, what new features it will use, and what it will achieve as a result.
Sharpening Origination Strategies — A Case StudyThursday, 11:30 - 12:30Pradeep Narayan, Head of Unsecured Lines and Loans, Credit & Investment Risk Management, CIBCRavi Papanna, Solution & Technology Consulting, Fair IsaacCIBC, one of Canada's leading banks, turned around credit losses by implementing new scorecards and a complete acquisitions strategy in just over a year using Capstone® Decision Manager. By defining the rules, the use of the Capstone system has led to higher approval rates and sharper customer segmentation. Find out how the ability to simulate scenarios based on target loss rates led to the construction of the new strategy.
Fair Isaac Roadmap: Customer Management SolutionsThursday, 1:00 - 1:45Learn about roadmaps and product release plans for Fair Isaac's TRIAD™ adaptive control system. This is your opportunity to discuss new functionality and product plans with Fair Isaac’s product management team, and see how TRIAD fits within Fair Isaac's Enterprise Decision Management architecture, including its integration with the Blaze Advisor™ business rules management system.
Harnessing the Value of Alternative Credit Data — An Early Adopter's ExperienceThursday, 2:00 - 3:00Michael Turner, President, PERCAmita Agarwal, Chase Card ServicesShawn Moore, Scoring Solutions, Fair IsaacLisa Nelson, Scoring Solutions, Fair IsaacIn this panel discussion, we will discuss the predictive power of alternative credit data, and one lender's philosophy and strategies for the credit-underserved market. You will also see the latest performance information for the FICO® Expansion score.
The Road to Best — A Case StudyThursday, 2:00 - 3:00Mohan Jarayaman, Head of Business Intelligence, ICICIICICI Bank has gone through an amazing journey to become the market leader in retail credit in India. Their investment in the latest decision management and analytic technologies, their innovative approaches to acquiring new customers, and their determination to make banking easy, efficient and friendly for their customers has been their key to success. ICICI Bank has already been named “Most Admired,” “Best Internet Bank” and “Best Bank in India” — but this is just the beginning. Discover how ICICI got to the top and what role analytics will play in the future of the company.Hear a Podcast Preview of this presentation
The Subprime Crisis: Mountain or Molehill?Thursday, 3:30 - 4:30David Berson, Chief Economist, Fannie MaeRising defaults in the US subprime mortgage market have caused mayhem and have lenders, legislators and regulators concerned about the health of the credit market. Please join David Berson, Fannie Mae's Chief Economist, as he and other participants discuss different perspectives on the challenges arising within the subprime space. How did we get here? Is this a temporary problem for mortgage lenders, or will it cause a bad debt domino effect affecting all areas of the US lending market? And what can lenders do in their originations, customer management and collections strategies to protect their institution?
Financial Services - Global Regulatory UpdateThursday, 3:30 - 4:30Janice Horan, Financial Services Market, Fair IsaacFeeling the pinch of regulatory pressure? Get a fresh perspective on the changes that affect your institution, from Basel II to data security and privacy requirements, to restrictions requiring licensing and limiting borrower credit exposure. Learn what is triggering this onslaught of regulatory red tape, and what lenders are doing to mitigate regulatory impacts, and to improve public perceptions of credit and collections companies.
IBM and the Fraud ThreatThursday, 4:45 - 5:45June Felix, General Manager, IBM Banking SolutionsIBM Threat and Fraud Intelligence solutions are used by financial institutions around the world. These IBM solutions integrate with and extend Fair Isaac's fraud management capabilities to provide a comprehensive portfolio of high-end analytic and decision-making technology for acquiring and managing customers. These solutions are designed to help you leverage automated decision-making to understand identities and relationships among individuals and institutions, reduce internal and external fraud, prevent financial losses and increase customer profitability. Explore IBM's unique approach that helps clients achieve anti-money laundering and anti-terrorist funding (ATF) requirements, while reducing regulatory, legal, operational, brand and reputation risk — as well as fraud — from both external and internal sources.
Predicting Bankruptcy and Preventing Losses Using Transaction AnalyticsFriday, 10:00 - 11:00Brad Jolson, Financial Services Market, Fair IsaacConsumer insolvency is a burgeoning phenomenon in many regions of the world. In the United States, the issue has been further intensified as a result of the legal changes in 2005. In this session we will look at research on different scoring approaches to predicting bankruptcy, 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 "unexpected" bankruptcies, hear what part analytics can play.Hear a Podcast Preview of this presentation
Reviewing the "No Hit" Applicant — A Canadian Case StudyFriday, 10:00 - 11:00Paul Robinson, Manager, Credit Risk Retail Banking, Canadian Tire BankIn this session, learn how Canadian Tire Bank realized significant financial benefit by creating and implementing custom consumer origination models designed specifically to assess the "no hit" or credit-underserved population who do not have traditional FICO® scores or credit histories.
FICO® Scores: Ask the ExpertsFriday, 11:30 - 12:30Tom Quinn, Scoring Solutions, Fair IsaacScore inflation — is it real? What are the keys to using FICO® scores in subprime lending? What changes can lenders expect in the next redevelopment of our FICO® score? In this session, our score experts will review today’s pressing questions about FICO® scores, and take your questions from the floor. Join us for the latest updates about North America's #1 credit bureau score, and how to use it.
Fair Isaac Roadmap: Origination SolutionsFriday, 1:00 - 1:45Learn about roadmaps and product release plans for Fair Isaac's origination products, including the Capstone® and LiquidCredit® solutions . This is your opportunity to discuss new functionality and product plans with Fair Isaac’s product management team, and see how our origination solutions fit within Fair Isaac's Enterprise Decision Management architecture, including their integration with the Blaze Advisor™ business rules management system.
Optimizing the Installment Loan Decision — A Case StudyFriday, 2:00 - 3:00Neill Crossley, EDM Technologies, Fair IsaacMark Thompson, Analytic Consulting, Fair IsaacWith UK regulations allowing only 33% of consumer loans to be offered at above the advertised typical APR, the decision of which loan applications to price higher and by how much is a perfect application of a constrained optimisation problem. See how The Co-operative Bank in the UK is on its way to improving loan portfolio profitability by over 40% with the application of Fair Isaac's Strategy Science methodology.
Anatomy of a TurnaroundFriday, 2:00 - 3:00Warren Wilcox, Vice President, WaMuIn 2001, Providian was in trouble. Its previously successful subprime-focused business strategy began generating unexpected and substantial credit losses. A new credit management team faced this challenge by re-tooling the marketing strategy, using sharper tools for risk management, curtailing lending in deeper sub-prime and focusing on operating expenses. Find out how the multi-pronged plan worked, driving market cap from a low of $1 billion in 2001 to $5 billion when Providian merged with Washington Mutual in 2005. Providian’s dramatic story contains lessons in proactive management not just for subprime lenders but for every marketing and risk manager.
Building a Modern Credit Bureau — A Case StudyFriday, 3:30 - 4:30Uli Zeisluft, Scoring Solutions, Fair IsaacMJ Kim, Executive Vice President, FICO KoreaWhat does it take to create a state-of-the-art credit bureau that can meet the demands for more accurate risk assessment in the exploding South Korean credit market? That is the question Korea Credit Bureau (KCB) is trying to answer, as it pursues the goal of offering lenders the most complete and accurate credit bureau data available. This session explores KCB’s journey, including securing the participation of lenders, ensuring that positive information is exchanged, and applying sophisticated scoring tools to maximize the value delivered to subscribers.Seven Things You Can Do Now to Improve Your Earnings!Friday, 3::30 - 4:30Jeff Stillwagon, Business Consulting Group, Fair IsaacPaul Love, Business Consulting Group, Fair IsaacWhat are the emerging best practices for consumer lending decisions in account origination, customer management and collections? Drawing on our experience serving hundreds of financial services institutions, our consultants will reveal seven key best practices that improve earnings. How many are you mastering today, and what would create the biggest gain for your bank? Find out in this session that explores both revenue and expense management techniques, and will apply to institutions large and small.
Note: Topics and speakers subject to change.