Since retiring from a 25-year career as a Big 4 analytics / AI consulting leader in financial services, Ric now provides strategic assistance to clients facing challenging risk and compliance issues in their consumer lending operations - including AI / ML credit model development, model risk management and explainability, fair lending analytics, and algorithmic fairness.Ric's ability to provide senior-level perspectives and insights in deeply technical areas, his ability to communicate effectively between technical and non-technical audiences, and his ability to simplify technical topics for key stakeholders, are core differentiators when you need an advisor for high-stakes matters involving your company's advanced analytical loan origination tools - whether developed in-house or obtained from third-party vendors or fintech partners. In addition to his advisory services, Ric freely shares his perspectives in his AI LendScape Blog and eBooks where he dives into current industry and regulatory developments - such as the credit, model, and compliance risks of AI/ML-based credit scoring models, the risk and compliance challenges of algorithmic fairness technologies, the regulatory pressures on bank-fintech partnerships, and the hidden biases in popular race/ethnicity proxy approaches used for fair lending testing.Ric's insights and advice are based on his twenty-five years of experience assisting US banks and consumer lenders of all sizes in complying with regulatory-driven requirements and expectations around the use of complex analytics throughout their organizations - most frequently in the area of consumer lending.