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.

I have worked on and off with Larry Bookman and his team for almost ten years. In my time as a credit director at Sprint PCS, Larry and team won a head to head contest with a national Credit Bureau analytic team to create a custom risk model used in the acquisition process. That model was used successfully for several years during Sprint's rapid growth period in the early 2000's. Larry and team have extensive experience building various risk models and have a strong track record at building highly predictive models that create real value for their customers.

Jiang has an exceptional ability to provide data analysis in formats that can help organizations meet challenges, while helping to move data interpretation to a new operating level.

Jay is a fantastic resource for any firm seeking deep, expert level experience with Oracle Data Mining. Beyond ODM Jay brings to the table a great knowledge of SAS and Oracle analytical functions. After we discovered Jay's many talents he became to go-to guy for all our SAS to Oracle transformation duties. Jay is more than just a coder, he is a great trainer, and a good presenter of theoretical data mining concepts so that they can be understood by most.

I have known Dr. Larry Bookman for approximately four years. In my time as Director of Credit Risk Management for a vehicle finance unit of a major Bank, Larry was responsible for creating a custom model for predicting risk and scoring subprime auto loans. The model has been in production for the past three years and has performed extremely well, reducing delinquency and losses materially. The net effect has been annual loss reductions of approx. 20% from pre-recession levels, and approx. 50% from the losses experienced in the 2008-2009 timeframe. In dollar terms the savings are in the tens of millions. As evidenced by our experience, Larry and team have excelled at building a highly predictive model that created real value for our business.

Jay is a talented analyst who exhibits a strong ability to grasp business problems. He provided detailed analytics on large volumes of data which contributed to informed business decisions. Jay is energetic, enthusiastic, and a great team player.