Data Science Scientist

Roger L. Tervort—Chief Data Scientist, Data Sciences, ML & AI Design and Automation Dynamics

*** ***** *** ****, ******* UT, 84627 · Phone: 435-***-****· Email: ************@*****.***

OVERVIEW

I learned the theories, skills and intricacies of Modelling/ML and Data Science along with the hands-on experience from the top minds at Fair Isaac, Experian, and Equifax in the financial services industry.

Advanced analytics needs to go from the "Basement/Research" to the "Living Room" of an organisation and must be impactful and executable-in order to drive bottom-line results. However, “I believe that people and People Skills are still the core of any business”.

EDUCATION/SKILLS

B.S. awarded in Statistics, Utah State University, 1995.

Emphasis in Actuarial Science and Computer Sciences

DATA SCIENCE EXPERIENCE AND ACHIEVEMENTS

Koosh Consulting, LLC April 2023 to Present

Chief Data Scientist & President

Developed an AI, Automation & Machine Learning Consulting Service specializing in small to medium sized businesses

I am currently researching deepfake detection and security protocols to eliminate deepfake fraud.

Also researching cybersecurity techniques that will significantly reduce system compromises.

Brigham Young University (BYU), OIT Group, December 2019 to March 2022

Chief Data Science and Director of Internal Consulting

Managed and oversaw the development of BYU’s 1st Data Science Consulting Group that provided advanced analytics to the University. Lead and mentored 8 student interns in the daily aspects of this new organizations work and consulting efforts throughout BYU.

Key Accomplishments

Developed a Master-matching algorithm using home-grown Fuzzy Logic and Machine-learning. The algorithm was highly effective at adjudicating new accounts into automated or manual queues for manual review or automated-duplicate processing, saving the University 10,000’s of hours in manual duplicate detection on the back end of the onboarding process.. Early algorithm, running on a PC, could identify duplicates in a few seconds running against 3.5MM potential accounts matches.

Developed a K-means classification and profile of every BYU student. This profile allowed deep insight into student performance in the dimensions of Academic, social and economic areas.

Developed the 1st ever, Class Sequencing Model to identify pe the most likely student class sequence for General Education. It allowed BYU to plan class staffing and scheduling to meet demand and “Most-likely” sequence of classes a specific cohort would take to meet GE requirements.

IBM (10 years), Global Business Services/Software Group, January 2010 to September 2019

Global Data Science & AI Leader

Manage and oversee the predictive analytical progress of projects around the world. Research industry trends and write reviews for IBM and clients to read. Work one-on-one with C-level executives and discuss with them their analytical and predictive modeling, Big Data issues and concerns and offer advice to them on solutions. Review predictive analytics projects and give recommendations for optimal performance. Versed in competitive software use and application (ie SAS, Tableau).

Key Accomplishments

Awarded the "Excellence In Service" award for innovation and new service product offerings in first 10 months of employment. Developed Customer Centric Capacity Indicator (C3I) for automated Credit Line Management modeling.

Placed as the “Predictive Analytics and Data Mining Subject Matter Expert” for all of SPSS line of products.

Principal role and SME in developing new "go-to-market" solutions for the financial service industry: Developed an advanced method for assessing a revolving credit customer's sensitivity to changes in debt loads and payment changes using a proprietary process

Responsible for teaching Data Science and Predictive Analytics strategies to 1000’s of IBM employees.

Demonstrated advanced D.S. knowledge to clients, thereby gaining their confidence and trust, delivering 8% Yty market growth worldwide.

MasterCard Advisors, Dec. 2006 to Dec. 2009

Senior Managing Consultant

Principal role in thought leadership and problem resolution for issuing banks. Key role in developing new products and services, and mentoring new employees, to meet and anticipate current and future market demands. Principal role in client engagements from business development through final delivery and presentation.

Key Accomplishments:

Global Bank: Developed a new methodology for account management actions called Capacity Solution Indexing (CSI) that reduced inaccurate account management actions and early delinquencies resulting in a 20% reduction in Loan Loss Provision expense.

US Issuer: Oversaw the development of credit card transactional fraud models using artificial intelligence techniques, resulting in an improved transactional fraud process with lower False Positive metrics.

Global Bank: Conceptualized, developed and implemented a small business card origination, underwriting and portfolio management process for a global bank which increased booked volume by 20% and automation by 75% with no material increase in delinquencies.

Diagnosed a global banks small business card process flow and identified and implemented changes that resulted in increased automation of 10% and a reduction in 5 FTE

US Issuer: Delivered an advanced segmentation model to target accounts for underwriting of “Best Customers” into a No Preset Spending Limit (NPSL) card product.

Co-developed OMDP (Optimal Model Development Process) for superior predictive modeling efforts.

Digital Matrix Systems, Inc. Oct 2004- Oct 2006

Senior Marketing Consultant

Responsible for developing the reputation and growing the sales of the consulting branch of the business. Duties included overseeing the day-to-day delivery and execution of DMS’s solutions at client banks.

Key Accomplishments

Gained access, through demonstrated risk acumen and industry reputation, into three large Fortune 100 companies within the first 2 months of employment

Added nine Fortune 100 clients / potential clients to the company’s relationships within a year.

Researched and wrote three Whitepapers:

o“The DMS Foundational Approach.”

o“Global Issues and Trends of Modern Credit Risk Lending”

o“Positive Asymmetrical Business Intelligence”

Citibank Aug 2003- Sep 2004

VP Risk Management Strategies

Responsible for working with the senior managers of the portfolios in increasing volumes, productivity, and efficiency. Worked as the supervisor of our regulatory review process for the risk practice. Oversight of the development, implementation and training for our risk scorecard programs.

Key Accomplishments

Played key role in preserving a 30+ yr, 1.5B O/S, 2.85% ROA, private label relationship, through a creative underwriting/process optimization strategy. This strategy reduced turn-around-time by 3.5 hrs, increased volume by 2.5%, reduced shared Risk of OEM by 25%, increased auto decision rate by 16% with minimal impact to losses.

Placed as head risk consultant of additional portfolios and employees after 5 months. Placed as Strategic Relationship Manager for the construction/transportation in the 1st year.

The 1st 6 months of work was published in two separate company award publications. First recipient of the “World Class Achiever” award at CitiCapital after only 3 months tenure.

HSBC 1999-2002

Director, Marketing/Risk Management

Reported to the Chief Credit Officer. Responsible for the evaluation of the near/subprime portfolio’s profitability and performance. My group served as independent performance auditors for the Finance, Risk and Marketing groups (FIRM) which constituted the governing body for all portfolio strategies.

Key Accomplishments

Conceptualized and developed automated and fully loaded, risk adjusted profitability model and the supporting software (PAPA) for the business. This created standardization of performance measures across multiple businesses and departments and rapid dissection and evaluation of profitability and performance at any segment level. Provided a 90% reduction in business intelligence development.

Developed and built the infrastructure for a new team reporting to the Chief Credit Officer (CCO) that acted as internal consultants to the executive FIRM (Finance, Risk, Marketing) officers

Wells Fargo 1997-1999

Manager Retail Lending Risk Management

Discover Card 1997

Marketing/Risk Manager

The Associates 1996-1997

Market Research Manager

Franklin Covey 1995-1996

Sales Forecast Analyst II/Systems Information Coordinator

COMMUNICATION SKILLS: Certified Behavior Based Interviewer, HSBC, 200. Fluent in Spanish, rudimentary Mandarin Chinese.

COMPUTER/ANALYTICAL SKILLS: chatgpt4 prompt skills, Python, SAS, Knowledge Studio plus, SPSS, Tableau, Multivariate Statistics, Regression Analysis (multiple & logistics), Neural Nets all classes (deep learning) Numerous Categories of Classification Trees, Segmentation, Profiling (Demographic & performance), Predictive Modeling (of numerous algorithms), account level P&L modeling, adapt at Balance Sheet and Cash Flow interpretation, NPV, loss mitigation, strategy design and market research

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