Jim is responsible for applying the science and technology of decision making to provide insights on consumer payment behavior and macroeconomic trends, paying particular attention to their impact on financial services and other industries. Dr. Bander has over 20 years of analytics, software, engineering, and risk management experience across a variety of industries and disciplines including banking, transportation, and the public sector. Jim is a consultant and frequent speaker on topics ranging from artificial intelligence and machine learning to consumer credit trends and risk management.

Michelle is responsible for executing Experian’s product strategy related to scores and attributes and evaluating new and existing data assets to drive innovation for Experian and our clients.  Michelle has been with Experian for over 25 years and has worked in a variety of analytic, marketing, technical and sales support roles.  She is well-known for her ability to devise data-driven business strategies that expand the customer universe for financial businesses of all sizes.