Deniz Tudor works for Bread Financial leading the company's model development team covering more than 100 models and tools. She previously was the Chief Financial Risk Officer at Bread Financial and a Senior Director at Moody's Analytics co-leading the Credit Risk Analytics department. She has also worked as a Professor teaching Risk Management at MBA level in San Francisco. She is an experienced leader and strategist specializing in enterprise risk management, economics/scenario planning, compliance/governance, product management, analytics, and AI/ML. She has been working for several years as a thought leader focusing on trends, giving several industry presentations and webinars, and writing many white papers. She has a PhD from UCSD and a MSL (Master's in Law) degree from Fordham University. She also has a graduate level Acctg certificate from Harvard and a leadership certificate from MIT.