Programme and keynote speakers

Dr Breeden has been designing and deploying risk management systems for loan portfolios since 1996. He founded Deep Future Analytics in 2011, which focuses on portfolio and loan-level forecasting solutions for pricing, account management, stress testing, and CECL/IFRS9; serving banks, credit unions, and finance companies.

He is member of the board of directors of Upgrade, a San Francisco-based FinTech; President of the Model Risk Managers’ International Association, and an Associate Editor for the Journal of Credit Risk, the Journal of Risk Model Validation, and the Journal of Risk and Financial Management. He is also the founder of auctionforecast.com, which predicts the values of fine wines using a proprietary database with over 2.5 million auction prices.

Dr Breeden earned a PhD in physics, and has published over 80 academic articles, 8 patents, and 4 books. His upcoming book, Creating Artificial General Intelligence and Preventing the AI Apocalypse, will be published in 2023.

Michaela received her PhD from the Economics Department at UC Berkeley and works on topics in household finance, behavioural economics, and macroeconomics. She started her career by theoretically analysing the consumption and investment implications of non-standard preferences. More specifically, she studied how decision-making is affected by people's beliefs about their consumption.

She then specialised in working with transaction-level data on household income, spending, balances, credit limits, and logins stemming from financial aggregation apps. Furthermore, she is working with bank account data on income and spending linked to individual investors' security trades and portfolios. She uses this data to study the relationship between spending and income, as well as the determinants of credit card borrowing. She is also interested in stock market participation and the interactions between spending, savings, and individual biases in investment decisions.