Josh Jiang, Ph.D., Currently heads the Risk Predictive Modeling team at Visa Decision Sciences and Analytics. He has 25 years of experience in predictive modeling, 10 years in macro economic forecasting and analysis, 10 years consumer credit risk modeling and 11 years in fraud risk modeling. Jiang earned his Ph.D. from Stanford University in management sciences and engineering, economics and finance. He has co-designed, built and continuously enhanced the Visa Advanced Authorization model, and in-flight fraud risk scoring product that scored over 100 million transactions per day, real-time. Jiang has seven years of experience using Salford Systems’ software, especially TreeNet®.