Murilo M. Brizzotti is a Principal Industry Consultant at Risk & Quantitative Solutions Division at SAS. Murilo has been working with SAS for 12 years and has extensive experience implementing SAS Solutions with focus on CECL/IFRS9, Stress Testing, Risk Analysis, Data Mining, Forecasting, Optimization and Statistics. He has implemented SAS Risk Management Solutions (SAS Credit Risk Management, SAS Risk Management for Banking, SAS Operational Risk, SAS Risk Dimensions/ HPRISK, and Credit Scoring) in several financial institutions including Retail Banks in US, outside of US, Asset Managers and Insurance companies. Murilo holds a Bachelor’s Degree with Honors in Computer Science from University of Sao Paulo, Brazil and a Master’s Degree with Honors in Statistics from North Carolina State University. Murilo is Certified Financial Risk Manager (FRM) from Global Association of Risk Professionals (GARP).