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David Ferber + Pinaki Ghosh, Equifax - Using AI to Help People Live their Financial Best - H2O World 2019 NYC

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This session was recorded in NYC on October 22nd, 2019 and can be viewed here:

Using AI to Help People Live their Financial Best
Bio: David has over 20 years of experience in the credit industry focusing on the technical development and growth of Equifax’s data platforms. This includes Equifax’s state of the art big data analytics platform that provides valuable cost effective insights and analytics, on its wide range of differentiated data sources. At Equifax, David has held multiple positions; Vice President of Technology, Decision 360 Technology Leader, Enterprise Data Leader and most recently Solutions Delivery Leader within Equifax’s Data & Analytics organization. David holds a degree in Computer Science from North Georgia College.

Bio: Pinaki has over 20 years of industry experience of which 17 years at Equifax building data management and real-time decisoning platforms with strong background in software development, IT and data management. This includes building cutting edge Big Data Platforms which provides high speed access to differentiated data for building rich and actionable insights for Equifax and its clients. Pinaki is passionate and expert in the disciplines of Data Quality, Data Management, Entity.

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David Ferber + Pinaki Ghosh, Equifax - Using AI to Help People Live their Financial Best - H2O World 2019 NYC

  1. 1. Confidential and Proprietary Using AI to Help People Live their Financial Best David Ferber, SVP, Global Analytics Platforms Pinaki Ghosh, VP, Global Analytics Platforms Equifax
  2. 2. Confidential and Proprietary David Ferber SVP, Global Analytics Platforms Pinaki Ghosh VP, Global Analytics Platforms
  3. 3. Confidential and Proprietary MAJOR Transformations
  4. 4. Confidential and Proprietary To be relevant, innovation has to impact a challenge or help a community.
  5. 5. Confidential and Proprietary Helping People Live Their Financial Best
  6. 6. Confidential and Proprietary 11MU.S. consumers secured a mortgage or a home equity loan 8MIn Australia, Equifax assessed credit applications for potential fraud, helping to stop over $100M in potential losses 2.3B Delivered consumer files to U.S. lenders… more than 6M credit files per day (or 250k per hour) 6MEquifax is a key contributor to a market that creates new credit cards for Canadian consumers every year 400M In UK completed AML/KYC checks and nearly 600M fraud checks for customers BASED ON 2018 RESULTS 8M+Latin American consumers gained access to credit 9M In Chile, the number of identity theft queries Equifax received, helping prevent possible identity theft every day 9M+ U.S. people secured a loan to further their education 32MU.S. consumers obtained loans to buy a car 12.2M U.S. consumers got access to government benefits and health care coverage
  7. 7. Confidential and Proprietary Smarter decisions together Data Analytics Technology
  8. 8. Confidential and Proprietary8 Address Challenges Across the Value Chain Move from data to decision within a single, well-structured environment • Data Access Engine • Ignite Link • Attribute Engine • Advanced Model Engine • Machine Learning – H20 • InterConnect Decision Engine • Feedback Loop Access Data Generate Insights Link Data Deploy Insights Optimize Decisions Faster access to the most predictive and differentiated data available Link disparate data across multiple sources for a more complete view of consumers and businesses Rapidly create more predictive insights using patented AI and machine learning techniques Move from analytics- to-production (A2P) faster, leveraging multiple decisioning platforms Access a direct feedback loop so that you can assess and enhance performance quickly
  9. 9. Confidential and Proprietary9 FEEDBACK LOOP AUTOMATED DEPLOYMENT Data Access Ignite Link Attribute Engine Advanced Model Engine Rules Editor Insight Gateway Attribute Engine Advanced Model Engine Rules Editor ClientAccess ClientDecision Equifax Ignite DEVELOP INSIGHTS InterConnect DEPLOY AND EXECUTE Ignite Working Together with InterConnect
  10. 10. Confidential and Proprietary EQUIFAX IGNITE A premier portfolio of differentiated data and advanced analytic solutions 10
  11. 11. Confidential and Proprietary11 Easily access multiple, high-quality data sources, all within the Ignite environment Build a Better View with Differentiated Data Equifax Transaction Data Credit and tradeline Equifax Exchange Data Alternative data Your Data Customers, prospects, etc.
  12. 12. Confidential and Proprietary12 Property & Valuation Multiple Valuation Methodologies Consumer Demographic Descriptive Consumer Segmentation Single-Source Verifications Housing Insurance, IRS Transcripts, and Identity Consumer Credit Reliable, Fast, High-Quality Telco, Cable & Utility Accounts Exclusive, Superior Coverage Employment & Income Verified, Direct from Employers Commercial Credit Comprehensive, High Quality & Timely Insights Commercial Marketing Comprehensive, High Quality SMB Profiles Auto MVR and Owner/Buyer Propensity Asset & Wealth Direct Measured Deposits & Investments Dramatically Stronger Insights Through a Vast Array of Direct, Verified Data
  13. 13. Confidential and Proprietary Equifax Ignite Direct: How it Works 13 Keying and Linking Applied to all files Data Attributes Single Source scores Multisource Scores Decision Strategies Dynamic Insight EQUIFAX IGNITE DIRECT ENVIRONMENT Online/ Digital Batch DeliveryHadoop Tools Attribute Engine Model Development Advanced Modeling Engine Rules Engine Visual Analytics Metadata Security Insights Progression DELIVERYOPTIONS Multisource Data Equifax Data: credit, trended, alternative, employment/income Customer data Third-party data Data Cleansing Ingestion, standardization and hygiene Data and Model Governance Big Data Store Security and Governance Insights Workbench
  14. 14. Confidential and Proprietary Explainable AI Drives Results Equifax has cracked open the black box of machine learning technology with NeuroDecision® Technology For over 30 years, logistic regression has been used for credit risk decisions despite better alternatives Explainable AI can now be leveraged across the customer value chain The combination of NeuroDecision Technology and differentiated, unique data assets drives performance Equifax enhanced machine learning techniques result in: • Explainable credit decisions • Performance gains • Patented technology 14
  15. 15. Confidential and Proprietary Develop, Test and Deploy in a Single Interface Point-and-Click User Interface Point-and-click authoring of rules syntax Snapshot Visualization Before and after visualization of impact to your credit line assignments and approval rates Documentation Generation Self documenting strategy changes Who made what change and when? Rules Editor Direct Deploy Access to deploy strategies yourself without IT involvement 15
  16. 16. Confidential and Proprietary16