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Andy has 15+ years bringing large datasets and scientific rigor to credit card lending, hyper real-time fraud detection, high-energy particle physics, and astrophysics. His research career began in the physical sciences, where he derived new results on galaxies, cosmology, and dark matter. The statistical techniques he utilized found a surprising application in financial services, where Andy, as Director of Data Science at Capital One Bank, created several transaction and application fraud models for credit cards. At States Title, Andy has led the deployment of the first title insurance model of its kind, which determines risk for title defects using proprietary algorithms inspired by his past experience in these diverse applications of statistics.