Valentine Fontama is a Principal Data Scientist in the Data and Decision Sciences Group (DDSG) at Microsoft, where he leads external consulting engagements that deliver world-class Advanced Analytics solutions to Microsoft s customers. Val has over 18 years of experience in data science and business. Following a PhD in Artificial Neural Networks, he applied data mining in the environmental science and credit industries. Before Microsoft, Val was a New Technology Consultant at Equifax in London where he pioneered the application of data mining to risk assessment and marketing in the consumer cr...