Chris Merz has been with Mastercard for 18 years. He leads several teams of data scientists that provide an AI layer to such security and decision products as Decision Intelligence, Safety Net, Smart Authentication, AI Express, Stand In, AML, and other R&D efforts. Chris has also spent time in Mastercard Labs, Loyalty Solutions, and Advisors, applying machine learning techniques to engage cardholders. Before joining Mastercard, he worked at a startup for online personalization and performed machine learning research at the NASA COE for AI, and the McDonnell Douglas Research Lab. He has a PhD in Machine Learning from the University of California, a Master of Science in Computer Science from Missouri University of Science and Technology, and a Bachelor of Science in Computer Science from the University of Missouri, St. Louis.