“Extremely knowledgeable in data mining, fraud, churn, etc. and in the application of Oracle Data Mining, Jay makes things happen. I came to know Jay when he introduced himself to me at a local (Boston) Oracle technology day event when he heartily and in great detail explained the fraud detection work he had achieved while VP of Crime Prevention Solutions at Citizens Bank. Jay's years of experience as a seasoned data mining expert/architect shows in his approach to problems, understanding of technical architecture (in-database data mining/analytics), and his track record of proven analytical solutions and results. I highly recommend Jay Zhou the opportunity arose, and I strongly recommend considering him and his work.”