Julie Wooding is a Principal Consultant in the Scores group, and has been with FICO since 1993. She works with larger U.S. lenders to help them understand, use, and evaluate our FICO® Score solutions. In addition, Julie provides in-depth credit scoring training to regulators and lenders, most recently in the U.S., Canada, Russia, Mexico, Romania, the Philippines, and Qatar. Julie has experience in behavior and risk score development, and previously worked on the development of FICO® Scores for U.S. and Canadian credit bureaus. In her 25 years at FICO, Julie also served as a strategy consultant, a role in which she worked with clients to develop, evaluate, and continuously improve their account management strategies. Julie holds a B.S. in Finance and an M.B.A. degree.