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CIC Connect Program

CIC Connect ProgramNAT_2627WEB
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Date of Session 4: Thursday, May 21, 2026 from noon to 1:00 p.m.ET
Presenter: Anthony Scriffignano, PhD
Topic: What do we know, and how do we know we know it?
Critical thinking in the context of AI and Digital Fraud

Date of Session 5: Thursday, May 28, 2026 from noon to 1:00 p.m.ET
Presenter: Tony Lengua, MBA, ECCP, CCE, CICP
Topic: Collection Ratios and Probability of Customer Payment Deterioration

Location:
  •  Virtual: Zoom (A link will be shared one day prior to the event)
  • Remember: one-time registration grants access to all sessions! Secure Your Spot Today!  

CIC Member PD Points: 10 professional development points for attending each session.
 

Presenters' Bio:

Session 4: 


 Anthony Scriffignano, PhD

Anthony Scriffignano, Ph.D. is an internationally recognized data scientist with experience spanning over 40 years in multiple industries and enterprise domains. Scriffignano has extensive background in advanced anomaly detection, computational linguistics, identity resolution, geospatial inference and multilingual inferential methods, leveraging that background as primary inventor on multiple patents worldwide.

His strong leadership experience spans technology, strategy, operations, and innovation-focused organizations. He also has extensive experience with various boards and advisory groups. Scriffignano was recognized as the U.S. Chief Data Officer of the Year by the CDO Club, the world's largest community of C-suite digital and data leaders. He is a Distinguished Fellow and member of the Alfred Lee Loomis Innovation council of The Stimson Center,  a nonprofit, nonpartisan Washington, D.C. think tank that aims to enhance international peace and security through analysis and outreach.

His influence includes various thought-leadership roles including as a member of the OECD Network of Experts on AI working group on implementing Trustworthy AI and as a Commissioner for the Atlantic Council, contributing to a Report on the Geopolitical Impacts of New Technologies and Data. He also served for many years as SVP/Chief Data Scientist at Dun & Bradstreet, where he was principal inventor on a portfolio of intellectual property. He has briefed the US National Security Telecommunications Advisory Committee and contributed to three separate reports to the President, on Big Data Analytics, Emerging Technologies Strategic Vision, and Internet and Communications Resilience.

Additionally, Scriffignano provided expert advice on private sector data officers to a group of state Chief Data Officers and the White House Office of Science and Technology Policy. Scriffignano serves on various advisory committees in government, private sector, and academia. Most recently, he has been called upon in the US, Europe, and Asia to provide insight on data science implications in the context of a highly disrupted datasphere and the implications of the global pandemic.

He has published, delivered guest lectures and keynote presentations, and participated in panel presentations extensively in various settings internationally concerning emerging trends in AI and advanced analytics, responsible AI, the “Big Data” explosion, implications of Generative AI/Large Language models and artificial intelligence applications and implications for business and society. 

Topic:

What do we know, and how do we know we know it?
Critical thinking in the context of AI and Digital Fraud
 
Recent decades have seen unimaginable disruption in almost all aspects of modern life. Certainly, financial services, and credit decisioning are no exception.  Dramatic increases in the availability high performance computing and vast amounts of data, and AI capabilities continue to increase at a rate which is arguably unmeasurable. The opportunities to use all of this new capability to make better decisions are great. Naturally, there are constraints related to ethical use of AI, regulatory considerations, cost, explainability, and other considerations. Nevertheless, it is difficult to argue any credible path that does not include embracing some of this new capability.

Of course, not all technology is used for good. Malefactors are also taking advantage of new capabilities to perpetrate novel fraud, ranging from simple phishing attacks to sophisticated AI Botnet Swarms. These malefactors are unconstrained by regulation or ethics.

This session will consider evolutions in AI in the context of credit and credit decisioning with a focus on the modern mindset that leaders can  adopt to successfully navigate this unprecedented shift in digital disruption. 

Session 5: 


 Tony Lengua, MBA, ECCP, CCE, CICP

Tony is a dedicated and hands-on leader recognized for leading teams, implementing strategies, and achieving corporate goals, while maintaining a high level of customer service. Proven track record of delivering results in both Business to Business (B2B) and Business to Consumer (B2C) environments. Strong team player who coaches and mentors teams to protect financial interests and solve complex problems.
 
Using data analytics and statistics to identify issues and opportunities for improvement is also something I excel at. I have built models in Excel which encompassed customer data and analytics to assess exposure and credit risk. I can analyze financial statements very well and I have built Excel models with financial ratios to assess financial positions. I also like using Microsoft Visio to map out new processes and to improve existing processes and have used it on several new system implementations.
 
I collaborate well with teams across the organization to address and resolve issues within an organization. And my ability to effectively manage third party collection agencies has been a critical component to collecting past due payments from customers while maintaining the customer experience. 

Additional areas of expertise include credit investigation, cash flow and variance analysis, delinquent accounts recovery planning, settlement negotiations, KPI, performance monitoring, performance management, credit and receivables process automation, team leadership and training, policy creation and implementation.

Topic: Collection Ratios and Probability of Customer Payment Deterioration

This CIC Connect session will explore how collection ratios can be transformed from simple performance measures into practical predictive tools for monitoring customer payment behavior and identifying early signs of credit deterioration, while showing how these measures can be incorporated into a structured analytical model for ongoing customer assessment.

The session will examine how ratio movements over time can help estimate the probability of payment deterioration at the individual customer level, allowing credit professionals to detect weakening payment discipline before accounts become seriously delinquent. 

Attention will also be given to identifying threshold changes, comparing customer behavior against historical trends, and combining quantitative ratio analysis with qualitative account knowledge to support stronger credit and collection decision-making. 

 How to Join?

 •    FREE for CIC Members & Students – Included with your 2026-27 membership dues. Members are just required to do a one-time registration online for access to all sessions. Haven't renewed your membership yet? Click here to renew now »
 
Not a member? Be our guest. (Sign-Up For a User Account Now!)
 
•    For Non-Members: $49.99 + tax for access to each individual session.
 
•    $595.00 + tax for a bundled one-time registration that grants access to all sessions! Learn More, Save More!
 
Secure Your Spot Today! 

Sessions will be scheduled during lunch hours, late afternoons, and early evenings (Eastern Time). Specific times will be confirmed in advance prior to each session.

* This schedule is prepared in advance and may be subject to change without notice.

 
 
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CCP and ACI members earn 10 Professional Development Points for attending this event.
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