Phil Spiegel is Director of Data Science at Capital One Financial. He started with Capital One in 2003 as the lead data analyst for loyalty and rewards programs. At the onset of the Great Recession, Phil moved into the Credit Risk Management division to lead analytics for Mortgage and Retail Lending. He successfully consolidated the reporting, analytics, and forecasting of multiple acquired mortgage portfolios during the most volatile time in the industry’s history. In 2012, Phil joined Capital One’s Digital team where he currently leads Data Science and Analytics for Enterprise Merchant Intelligence. Phil holds a B.S. in Electrical Engineering from Villanova University and a M.S. in Predictive Analytics from Northwestern University.