Ms. Julie Wooding, FICO Director, works with clients, consumer advocates and regulators to help them better understand the power of credit scoring technology and its benefits to the financial industry. As a key subject matter expert in the FICO Scores group, Julie works with top-tier lenders in the U.S. to help them evaluate and implement FICO scoring solutions. She delivers 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, bankruptcy, revenue and risk score development, implementation and validation, and previously worked on the development of FICO® Scores for U.S. and Canada. Julie holds a B.S. in Finance, and an M.B.A.