TJ Horan is vice president of fraud product management at analytic software firm FICO. In this role he develops the strategic direction for FICO’s fraud solutions across all geographies and industries. FICO’s solutions protect over 2.6 billion accounts worldwide. TJ is a recognized expert in payment fraud detection and frequently speaks at a wide range of global industry forums. He holds a B.S. in computer science and a M.S. in statistics, both from the University of South Carolina.