Terisa Roberts is a director and Global Solution lead for Risk Modeling and Decisioning at SAS. She has extensive experience in quantitative risk management, regulatory compliance, and model governance and validation. She has worked in financial services, telecommunications, government, energy, and retail sectors.

She advises banks and regulators around the world on best practices in risk modeling and decisioning and the responsible use of artificial intelligence and machine learning. She regularly speaks at international conferences on the application of innovative models in risk management.

She holds a PhD in Operations Research and Informatics and lives in Sydney, Australia, with her family.

Stephen J. Tonna is a senior banking solutions advisor at SAS. He is a PhD-trained professional with 10 years of statistical, scientific, and industry experience.

The passion to discover practical ways to use artificial intelligence and associated methodologies like machine learning and deep learning as transformation tools is one reason that gets him up in the morning!

At SAS, Stephen advises with specialized expertise in risk in the main areas of credit scoring and decisioning, model risk management, and how these and many other offerings can be used to realize risk transformation in the cloud.

He thoroughly enjoys complex change management projects and finds it exciting to instill thought leadership to effect digital change and discover unrealized areas of process improvement.

Stephen lives in Melbourne, Australia, with his wife, Nini, and son, Sebastian James.