Dr. Cristián Bravo is Associate Professor and Canada Research Chair in Banking and Insurance Analytics at the University of Western Ontario, Canada, where he serves as Director of the Banking Analytics Lab. Previously, he served as Associate Professor of Business Analytics at the Department of Decision Analytics and Risk, University of Southampton, Research Fellow at KU Leuven, Belgium, and as Research Director at the Finance Centre, Universidad de Chile. His research lies at the intersection of data science, analytics, and credit risk, researching how techniques such as multimodal deep learning, causal inference, and social network analysis can be used to understand relations between consumers and financial institutions. He has over 75 academic works in high-impact journals and conferences in operational research, finance, and computer science. He serves as an editorial board member in Applied Soft Computing and the Journal of Business Analytics and is the co-author of the book “Profit Driven Business Analytics”, which has sold over 6,000 copies to date. Dr. Bravo has been quoted by The Wall Street Journal, WIRED, CTV, The Toronto Star, The Globe and Mail, and Global News. He is also a regular panelist at CBC News’ Weekend Business Panel and guest in national shows where he discusses the latest news in Banking, Finance and Artificial Intelligence.