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Vera Haynatzka has over 17 years of experience in decision sciences, currently serving as the Director of Decision Sciences at FNBO since June 2006. In this role, Vera supervises a team of five, focusing on the development, implementation, and monitoring of various scores for the Consumer Banking Group, including credit risk and fraud scores, as well as marketing segmentation models. Prior to FNBO, Vera held the position of Senior Statistical Analyst at Mutual of Omaha, where Vera developed modeling procedures for detecting outlier providers for medical review. Vera's earlier career included a role as a Principal Analyst, where training and validation efforts for modeling were key responsibilities. Vera holds a degree from UC Santa Barbara, obtained between 1994 and 1997.