Deniz Tudor recently joined Chatham Financial, the largest independent financial risk management advisory and technology firm, providing services in hedging and derivatives. She is the former Head of Modeling at Bread Financial, a large retail and credit card lender, parent company of Comenity and Comenity Capital Banks. At Bread Financial, she led the company's model development team covering more than 100 models and tools including Treasury, Capital, CECL, Pricing, Yield Share, Climate, Operational Loss models. She previously was the Head of Financial Risk Strategy at Bread Financial reporting to the Banks' CFO and President on first and second lines respectively. Before Bread Financial, she was a Senior Director at Moody's Analytics co-leading the Credit Analytics department as well as managing and innovating several credit products. She also worked as an Assistant Professor teaching Risk Management at MBA and undergraduate levels in San Francisco. She is an experienced leader and strategist specializing in audit, enterprise risk management, economics/scenario planning, compliance/governance, product management, analytics, and AI/ML. She has been working for several years as a thought leader focusing on trends, giving several industry presentations and webinars, and writing many white papers. She has a PhD from UCSD and a MSL (Master's in Law) degree from Fordham University. She also has a graduate level Acctg certificate from Harvard and leadership certificates from MIT and Yale.