FICO delivers superior predictive analytics solutions that drive smarter decisions Make Every Decision Count ? Founded in 1956, and one of the primary creators of credit scoring, FICO? (NYSE:FICO) delivers superior predictive analytics solutions that drive smarter decisions. Our groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. Our innovative solutions include the industry-leading solutions for measuring credit risk, managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world's top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. Watch a video of Dr Mark Greene, our former CEO and current Chair of the Advisory Council, discussing analytics and connected decisions by clicking here. FICO’s Decision Management solutions, which combine trusted advice, world-class analytics and innovative applications, include: ? Analytics - including predictive models, optimization and portfolio analytics. Our analytics - whether delivered as standalone custom engagements or embedded in our applications - bring new precision to decisions. ? Decision Management Applications - which use Decision Management software to automate, improve and connect decisions based on our proprietary analytic models and user-defined strategies. Each of these solutions is built with the analytics, data, decision strategies and process flow for a particular vertical industry and decision area, such as fraud control or credit account management. ? Decision Management Tools - giving businesses the ability to create their own decision management applications and models. Our tools include business rules management, model development and decision optimization. ? Scoring Solutions - which deliver powerful predictions of consumer behavior to help businesses make faster, more profitable decisions. Among our analytic products is the FICO? score, which drives billions of credit and marketing decisions a year, and is recognized as the standard measure of US consumer credit risk. ? Professional Services - We use our deep decision area experience and technical expertise to help individual clients solve unique business challenges, and get more value from our tools and solutions. Our Culture A Global Business Headquartered in Minneapolis USA, FICO serves global markets through offices in 14 countries across the globe. We have a substantial presence across the US including San Diego and San Rafael, CA, and our international locations include S?o Paulo, Toronto, Birmingham, London, Madrid, Munich, Moscow, Milan, Istanbul, Johannesburg, Bangalore, Beijing, Shanghai, Hong Kong, Sydney, Tokyo, Seoul, Kuala Lumpur, Singapore, Taipei and Bangkok. We also have employees in many more countries. In addition, we have partners and distributors in Europe, Africa, Australia, Indonesia, Korea, Middle East, New Zealand, Philippines and Taiwan. In 2009 we rebranded the entire company from Fair Isaac Corporation to FICO, the name by which we are best known in the marketplace. In August 2009 we also changed our NYSE ticker from FIC to FICO to reflect that change. On the surface, the change in our stock ticker is simple, yet what lies behind it is not. As we continue to leverage our unique and increasingly valuable position at the intersection of consumer and business interests, it’s important that we emphasize our relevance to both consumers and the financial institutions that serve them. The trusted FICO brand stands for empowerment, innovation and value, and it resonates well in this regard: over 90% of US financial transactions use the FICO credit score, and countless mission-critical decisions around the globe are enabled by FICO Decis