Michael McBurnett has 30 years of experience building, deploying, or monetizing mathematical models of human behavior in the credit risk, counterinsurgency warfare, intelligence, banking, direct marketing, political, and academic arenas. He attended Washington University in St. Louis where he earned his M.A., and Ph.D. degrees in Political Science. His major areas were mathematical and statistical modeling, data collection, and analysis. His focus in business and the intel community has remained in these three areas his entire career. At Equifax he is a member of the Data Science Lab and leads a team within. He is a co-inventor of NeuroDecision®, which is the first regulatory compliant method of producing actionable risk scores and adverse action codes using neural networks.