Ramesh Murthy Email & Phone Number

Phoenix, Arizona Area

• Developed and tested new methodology for adverse actioning • Recoded and Modularized existing risk scoring code - reduced run time by 80% • Validated data for several models in preparation of data warehouse conversions

Phoenix, Arizona Area

Standardization of Key Performance Metrics

Phoenix, Az

Built several models for Small Business Credit Line Increase and Decrease, Reactive and Proactive Credit Line Increase, Credit Builder, and Transaction Authorizations. Worked extensively with Model Governance towards adopting newer methodologies. • Co-authored a patent for sensitivity analysis applicable to all models. • Several educational presentations and simulations to Model Governance towards using contextual performance metrics.

Quantitative Standards compiles the best quantitative practices for the Bank of America, bringing together information from all quantitative areas across the bank, integrating different practices, methodologies, and standards to provide a framework which will be applicable to analyses, model and strategy development, and performance assessment in all areas of the bank. These standards are meant to impact and potentially improve each stage of these critical and widely varying processes.

EARLY WARNING SERVICES, Scottsdale, AZ 2010Statistical ConsultantDelivered modeling/analytics to improve discrimination of credit and fraud default behavior among credit card accounts for major banks. • Linked DDA transaction and fraud activity with credit card activity to determine feasibility of using DDA activity to detect future default behavior in the credit card world.• Model the probability of checks being returned (Scoring inquiry files from over 56 banks resulted in an approximate savings of $3 bill for a single day).• Data mining: Responsible for data extraction, pre-processing of data, segmentation, variable selection, building, and validating statistical models.• Comparative study of probability of charge-off using non-statistical relationship networking software versus standard statistical analyses.• Determining distribution of ACH entities by merging with Thompson directory to understand fraud behavior in smaller branch banks.• Segmentation of AOA data for joint DDA accounts by relationship and age class to determine propensity of fraud in any one segment.

Analytics, statistical models, loyalty membership rewards program for International Markets (UK, Germany, France, Sweden, Italy, Spain, Canada, Mexico, Argentina, Hong Kong, Taiwan, Australia, New Zealand, India, Singapore, Thailand, Japan)* Model (statistical/actuarial) development, calibration, and validation, requiring application of economic, statistical, business principles, as well as out-of -the box approaches.* Solving Adhoc problems requiring data mining of large datasets. * Stongest suit lies in solving complex problems in a systematic manner and presenting results to a lay audience and reccommending strategic solutions.* Scorecarding statistical models for redemption in loyalty programs.15+ years of experience in:o Designing studies using statistical experimental designs and analysis of variance.o Data mining and resolving data problems such as missing data, multicollinearity and heteroskadasticity, and exploring assumptions underlying linear regression models.o Developing and analyzing univariate and multivariate, linear and non-linear regression models and establishing correlations.o Predictive modeling using simple, multiple and non-linear regressions.o Familiar with Categorical data analyses.o Authored two peer reviewed articles on use of Repeated measures analyses and diagnostic checking, model selection and specification testing especially for non-linear regression models in biology.

Researched effects of carbon dioxide on the physiology of cottonwood trees within the context of global climate change.o Managed, led and set yearly priorities, goals and targets for a large biological research facility for 5 years with an annual budget of 50 to 550K dollars.o Designed, strategically planned, organized, and conducted several scientific research projects, several of them simultaneously within tight deadlines and monetary limitations.o Promoted and established numerous collaborative key scientific research projects involving national and international scientists.o 15+ years of experience in creating informational presentations. Skilled at consolidating detailed information into a highly concise, organized format, both oral and written. Comfortable in communicating content and results effectively. o Authored 25+ peer-reviewed national and international scientific articles.o Presented research results both nationally and internationally in over 20 venues.o Served as ad hoc reviewer for several leading scientific journals.o Interacted and worked with groups at all levels: staff, public, governmental, private agencies, industry, and environmental agencies.o Mentored students and interns on various interdisciplinary projects.o Represented Columbia University’s Biosphere 2 Center in the following media presentations o A Second Act For Biosphere 2, Chronicle of Higher Education, February 2000. o Biosphere 2: Turning an Experiment into a Research Station, BioScience, March 2002.o Frontiers of Science by Alan Alda, Public Broadcasting Service.o KAET TV, KUAT TV, and Japanese TV

Researched and established techniques for mass production of rooting cuttings of loblolly pine.

Research on pine seedlings

Doctorate, Forest Eco-Physiology

Masters, Eco-Physiology

Bachelor Of Science, Agriculture