Bruce Brenkus brings 30 years of financial services experience with 20 years at the C-level with focus in advanced analytics, risk management, and P&L management experience for organizations including major banks such as Bank One, Wells Fargo Bank, and Commonwealth Bank of Australia. As well, he is one of the pioneers in fintech with organizations including Zopa, BillFloat (Better Finance), Kabbage, and now Spotcap. His current responsibilities have been in leading the risk management function including credit scorecard development, credit policy, decision engine deployment, advanced analytics, and new product development. Bruce has been a sought after speaker on topics such as risk analytics, risk based pricing, big data mining, and financial services product strategy in the United States, Australia, and Europe. Also, Bruce has authored several patents in the fintech industry including unstructured to structured data design, bank account data algorithms, and decision engine design.