TJ Horan is vice president of fraud product management at analytic software firm FICO. In this role he develops the strategic direction for FICO’s fraud solutions across all geographies and industries. This portfolio includes the FICO® Falcon® Platform, which protects 2.6+ billion payment cards worldwide. Earlier roles in TJ’s career have included a variety of technical and senior management roles in analytics and risk management at leading companies including HNC Software and SAS. TJ is a recognized expert in payment fraud detection and frequently speaks at a wide range of global industry forums. He holds a B.S. in computer science and a M.S. in statistics, both from the University of South Carolina.