Dr. Breeden has been designing and deploying risk management systems for loan portfolios since 1996. He founded Deep Future Analytics in 2011, which focuses on portfolio and loan-level forecasting solutions for pricing, account management, stress testing, CECL / IFRS9; and AI monitoring; serving banks, credit unions, and finance companies. He is a board member of Upgrade, a San Francisco-based FinTech; President of the Model Risk Managers’ International Association (mrmia.org); and an Associate Editor for the Journal of Credit Risk, the Journal of Risk Model Validation, JRFM, and the journal of AI and Ethics. He is also the founder of auctionforecast.com, which predicts the values of fine wines using a proprietary database with over 4.5 million auction prices. Dr. Breeden earned a Ph.D. in physics, and has published over 90 academic articles, 8 patents, and 6 books.