White Paper
Published March 30, 2026
Advanced Analytics & Modeling Credit Decisioning Risk Management
Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.
- Up to 80× faster hyperparameter tuning
- No loss in CV or holdout AUC
- Evidence from LightGBM credit-risk models
- Guidance for governed ML environments
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Webinar
Uncovering and preventing large scale ATO and scams
Innovations in post-login fraud have exposed gaps in login defenses. How are leading businesses responding? Experts from TD Bank and Experian take a look at modern ATO attacks and scams — and how to stop them.
What you’ll learn:
- How fraudsters exploit vulnerabilities in login defenses
- The operating structure of a real-world ATO fraud ring
- Keys to stopping coordinated attacks in real time
Tip Sheet
Closing the gaps: fraud prevention across the customer lifecycle
This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:
- Reduce first-payment default and bust-out fraud
- Detect synthetic identities earlier
- Improve prescreen and campaign ROI
- Strengthen account management decisions
eBook
Protecting your digital house: A multilayered fraud strategy
Learn how a multilayered fraud strategy can help organizations protect every digital entry point and stop fraud earlier in the journey.
Key insights:
- Learn how behavioral analytics, identity verification and risk signals can stop fraud early.
- Explore how device, network, phone and email intelligence can strengthen defenses.
- See how step-up verification can help block high-risk actions and prevent fraud losses.
Webinar
Beyond Acquisition: How Data-Driven Account Management Powers Long-Term Value
Winning new customers is challenging but retaining them and growing their value is even harder.
In this exclusive webinar, America First Credit Union’s Kymrie Turner sits down with Experian’s Mark Soffietti to explore how leading institutions can leverage differentiated data to drive long-term customer value.
You’ll learn about:
- Five key challenges financial institutions face in account management and customer retention
- Risk-focused actions to help protect your institution and your customers
- How America First Credit Union approaches portfolio segmentation, forecasting, and credit limit optimization to strengthen member relationships