Turning complex financial data into credit decisions, fraud defences, and compliance intelligence. 3+ years delivering ML solutions across consumer lending at scale.
I'm a Senior Data Scientist specialising in credit & fraud risk analytics with hands-on experience at Discover Financial Services. I build ML pipelines that go all the way — from raw behavioural and transactional data to production-deployed models informing policy for millions of consumer accounts.
My work sits at the intersection of statistical rigour and business impact: designing A/B tests that justify strategy changes, building NLP tooling that scales compliance review, and migrating fraud signals to cloud-native infrastructure in real time.
I hold an M.S. in Information Systems from the University of Utah (David Eccles School of Business) and a B.A. in Finance from Portland State University.
Three production-grade projects spanning the full spectrum of financial risk: credit underwriting, compliance NLP, and real-time fraud detection.
Built a full-lifecycle probability-of-default (PD) model on large-scale behavioural and transactional datasets across consumer card and personal loan accounts. Owned every stage — data ingestion, feature engineering, A/B evaluation, and production deployment on AWS SageMaker. Risk cohort targeting cut default rates by 10–15% and reduced portfolio loss exposure by 25%.
Automated analysis of unstructured fraud complaints and UDAAP/Metro-2 escalation records at scale, replacing manual triage workflows. Used transformer-based NLP pipelines to classify complaint categories, detect emerging client experience gaps, and surface compliance signals — cutting manual review time by 50%.
Designed and deployed ML-based anomaly detection for Account Takeover (ATO) and Card-Not-Present (CNP) fraud, migrated to Snowflake for real-time inference. Used Isolation Forest and Autoencoder architectures modelling normal transactional behaviour across velocity, device fingerprint, and geo-behavioural signals.
From intern to senior data scientist, every role focused on measurable risk impact.
Open to senior data science and risk analytics roles. Based in the US. Feel free to reach out.