As fraud-fighting becomes increasingly complicated, machine learning has emerged as a new holy grail technology for fraud detection. In “Machine Learning: Fraud Is Now a Competitive Issue,” 65 percent of the senior fraud and data analytics executives at North American financial institutions Aite Group interviewed say the priority for investment in machine-learning analytics for fraud mitigation is very high and a key area of investment; another 35 percent call it a moderate priority. Yet, only 40 percent of interviewees have an ML-enabling platform deployed or in production, with another 10 percent with proofs of concept underway.The question for credit unions is, how and when will machine learning make a difference in your fraud-fighting efforts?Insight Vault caught up with Nick Calcanes, CO-OP’s chief information officer, and Paulo Marques, chief technology officer and co-founder of pioneering AI developer Feedzai to get some answers. Full disclosure: CO-OP is teaming up with Feedzai on a new machine-learning security tool for the credit union industry that is expected to deploy in 2018.Here are five pointed questions about machine learning, fraud and how your credit union might fit in: continue reading » 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach North10 hours ago02:37International architect Desmond Brooks selling luxury beach villa1 day ago2 Anglers Esp, Runaway Bay.There is something attention-grabbing wherever you look– from limestone walls and recycled timber beams in the living areas to the inverted pyramid ceiling and polished floors.“The front door is from Morocco and the outdoor sink, it was a rice washing sink from Indonesia that we converted,” Ms Quinn told the Bulletin when the house first hit the market.“I’d say I’ve got eclectic taste and it really creates a home out of a house.”The four-bedroom house had been on the market with different agencies since June, 2015. It had a price tag of $5 million.Savills Qld agent Lisa Halpin negotiated the sale to a Gold Coast buyer. 2 Anglers Esp, Runaway Bay. 2 Anglers Esp, Runaway Bay sold for $4.85 million.AN ECLECTIC Gold Coast mansion on the market for a year and half has sold for $4.85 million.The Runaway Bay property at 2 Anglers Esplanade was owned by Vee Quinn.Mrs Quinn and husband Tom own OzKleen, are the force behind the Shower Power brand.They used the wealth it generated to build their dream home overlooking the Broadwater at Runaway Bay. 2 Anglers Esp, Runaway Bay. 2 Anglers Esp, Runaway Bay.
DES MOINES — Late this afternoon, the state’s top election official will ask the Iowa Legislative Council for permission to mail absentee ballot request forms to every active Iowa voter.Secretary of State Paul Pate mailed the forms to voters before the June Primary, encouraging Iowans to vote-from-home during the pandemic rather than risk their health standing in line at a polling place. There was record participation in the primary and about 80 percent voted early.Ten days later, the Republican-led legislature voted to force Pate to seek approval from the Legislative Council if he planned a similar mailing in the future. Pate, in a document for the Council’s meeting today, said he’d use federal “Help America Vote” money to cover the cost of the mailing.Some county auditors have said they intend to mail absentee ballot request forms, with some of the information on the form filled in for the voter. Pate is asking the Legislative Council to prevent auditors from doing that and require only blank forms be mailed from county auditors to voters. A new state law about how county auditors may confirm and correct information on the forms they receive is being challenged in court.
Pharmacy chains Walgreens and CVS are joining some other big name retailers who have recently asked customers not to open-carry guns within their stores.Walgreens posted a statement on its website Thursday morning to announce the change. It reads in part, “We are joining other retailers in asking our customers to no longer openly carry firearms into our stores other than authorized law enforcement officials.”Shortly afterward, CVS issued a similar statement. The company explains, “We support the efforts of individuals and groups working to prevent gun violence, and continually review our policies and procedures to ensure our stores remain a safe environment. We join a growing chorus of businesses in requesting that our customers, other than authorized law enforcement personnel, do not bring firearms into our stores.”Earlier this week, Walmart and Kroger also announced new policies asking customers to stop openly carrying guns in their stores, even in states in which open-carry is legal. That includes Sam’s Club locations.Walmart also announced last Tuesday that it will no longer sell handgun ammunition after its current stock runs out.
United States’ John Brooks, second from left, scores his side’s second goal during the group G World Cup soccer match between Ghana and the United States at the Arena das Dunas in Natal, Brazil, Monday, June 16, 2014. The United States defeated Ghana 2-1.(AP Photo/Hassan Ammar)Dear Race Manners:In Team USA’s World Cup game against Ghana, I found myself cheering for Ghana. On Twitter I was accused of being unpatriotic, including by some people I respect. It’s hard to explain, but what can I say? I wanted the African team – or maybe the brown(est) team – to win (I’m Black). Am I wrong? –If your friends are going to commit to tweeting accusations about patriotism at those who cheer for squads other than Team USA, they’ll be busy. I used the social network to ask, “Raise your hand if you cheer for World Cup teams playing against Team USA because of something to do with your racial/ethnic identity,” and received a chorus of affirmative responses, like this one:Jenée ? @[email protected] Details? Are you *from* somewhere else or is it a #blackthing like with @graceishuman?Grace @[email protected] I’m Nigerian, so it’s definitely that in part. But it’s also just being #TeamBrownPeople @BougieLaSome responses, like “If by ‘racial/ethnic identity’ you mean a hatred of White supremacy, militarism, and hegemony, mine is raised” (the author of that tweet preferred to stay anonymous), had nothing to do with direct family ties.Other fans apparently split the difference between rooting based on citizenship and rooting based on other interests – racially and culturally inspired interests – and cheered for both.Cherae Robinson, writing about “the complicated life of African-American World Cup fans,” observed that in the Brooklyn, N.Y., bar where she watched the Ghana game, “Almost every Bblack person in the bar was up on their feet rooting for the Black Stars with the same fervor as they had cheered team USA an hour before.”Given that we’re in an ethnically diverse country, talking about an international sport, there’s nothing strange or shocking about this choice. Just think of Irish fans in Boston cheering for Ireland, or Italian Americans in South Philadelphia or the North Side of Chicago rooting for Italy, says Gregory Carr, chair of Howard University’s Afro-American-studies department. After all, in his view, “Our experience is also an immigrant experience.”Jenée Desmond-Harris (Courtesy Photo)Lineage, the Diaspora and an Affinity for the UnderdogBut there’s another reason you and other African Americans who don’t think of themselves as immigrants and can’t trace their lineage to any particular place on the continent might have cheered for Ghana.“For many, rooting interest is as wide as not only the African continent but African people, and our passion connects to people of Africa worldwide,” says Carr. Plus, he says, all sports allow people to give expression to greater passions, and for plenty of black people, those passions include concern for the plight of people we perceive as underdogs, or oppressed.So I’m guessing your choice wasn’t just about nonwhite skin color. (It that were the case, you could choose just about any World Cup team, including Team USA, with its large handful of Black players – many of them German – to root for.) Rather, it was born from a lived experience. “We’ve had a hard time in this country,” says Carr, “and in those moments when we can give expression to what’s in our heart, we do it.”Patriotism Is not at issueTo be clear, there’s a difference between having cheering interests in an international competition that don’t line up with American nationalism and actually being unpatriotic. Tell your Twitter trolls to keep in mind that this wasn’t a war, it was a sporting event, otherwise known as a game. It’s a mistake to confuse affinity for a team in such a context to patriotism or loyalty to one’s country, and it’s safe for everyone to settle down in that area.Plus, African Americans have always been plenty patriotic, even if many of them experience that sentiment in a way that’s more complicated—and, yes, even more painful—than some might understand.“I love this country not because it’s perfect but because we’ve always been able to move it closer to perfection,” President Barack Obama once put it. In Carr’s words, African-American patriotism has largely been pragmatic. (“We have sacrificed blood in every war the U.S. has fought, but remember that in the Revolutionary War, more people fought against the Colonies than for them,” he says. “We didn’t care about the Colonies. We cared about being free!”)This distinction may be unnerving to those who are shocked to learn that some African Americans see the country, as Carr puts it, as “less of a common project and more of a common context.”“We have a Black president; when will you be satisfied?” your Twitter friends will ask at this point. Answer: Given the way White supremacy and racism and their accompanying policies are playing out in this country right now and affecting people’s lives up until this very moment, with little sign of improvement, probably not for a while.That’s heavy, but really, let’s keep your expression of support for the Ghana team in your local sports bar or on your Twitter timeline in perspective. Shouting “Goal!” when a non-American team scores “doesn’t mean we’re gonna set fire to cities; it doesn’t mean we’re gonna quit the military,” says Carr. “It’s just a statement that in this battle that doesn’t cost anybody any blood, I’m gonna root for the cats who represents what I identify with. ’Cause I feel like it.”African-American rooting interests are often tied up with larger issuesAnyone surprised by your choice of teams should take a trip down memory lane to see how African Americans’ sense of connectivity to Black people worldwide and of social justice without regard for borders has informed whom many of us have rooted for.Carr can tick off examples: Teófilo Stevenson, the Black Cuban boxer (“African Americans cheered for him! They loved him”); Olympic ice-skater Surya Bonaly (“We didn’t care that she was from France!); and even Serena Williams when she wore a uniform styled after Cameroon’s flag in a show of support for that country’s 2002 World Cup team (“Black Americans loved it! South Africans loved it. Remember, this is a young woman who goes to Florida and [racist] people curse at her”).That rooting patterns are informed by larger issues was even evident in the 1974 battle between boxers Muhammad Ali, who had a “pan-African, anti-colonial approach,” and George Foreman, who was far less sensitive to race politics, says Carr. Both were Black and from the U.S., but at the time of their fight, it was fresh in the collective African-American memory that in 1968, Foreman had “trotted around the ring with an American flag while [African-American Olympic track athletes] Tommie Smith and John Carlos had put everything on the line for Black power … so we looked at him like, ‘This man is a clown,’ and many favored Ali,” says Carr.Carr’s message to anyone who still can’t understand how you could shout anything but “Team USA!” is, “You don’t understand how Blackness works.” My suggestion is, if you’re going to do the work of explaining that to your friends, you’ll have to start with the basics: It’s more than just fun and games.(Jenée Desmond-Harris, The Root’s associate editor of features, covers the intersection of race with news, politics and culture. She wants to talk about the complicated ways in which ethnicity, color and identity arise in your personal life – and provide perspective on the ethics and etiquette surrounding race in a changing America. Follow her on Twitter. Need race-related advice? Send your questions to [email protected])
Submitted by GHB InsuranceThomas (Tom) Lally has been hired by GHB Insurance as a personal lines insurance agent at the Olympia office. An insurance professional for over a decade, Tom has comprehensive experience in all fields— auto, home, life, health, and commercial insurance.GHB Insurance is the largest brokerage firm south of Tacoma specializing in property/casualty coverage and employee benefits. Tom has worked for many years with business trade associations providing insurance benefits to thousands of members. GHB provides group coverage for more than 700 employers throughout Western Washington and covers over 8,000 lives.GHB provides access to a number of highly rated insurance carriers and products related to all lines of insurance including: individual medical, vision, dental and Medicare supplements; home, auto and property; commercial; life; travel and long term care.For more information visit GHBInsurance.com or call 360.943.4500. Facebook10Tweet0Pin0
Facebook0Tweet0Pin0Submitted by Adopt-A-PetMeet Polly! She is an adorable, four-year-old girl who looks like a fashion model, especially when wearing her cute outfits. Polly likes riding in the car, cuddling, and going for leash walks which are happy activities that she is more than willing to share with friends. Polly weighs in at 12 pounds which, in her opinion, makes her just right for sitting in your lap! She knows basic commands, and with proper introduction, gets along well with children, dogs, and cats. Polly is a wonderful companion!If you have further questions or would like to schedule an appointment to meet Polly in person, please contact the adoption team at Shelton Adopt-A-Pet. Emails are the preferred method of communication.Adopt-A-Pet has many great dogs and always need volunteers. To see all our current dogs, visit the Adopt-A-Pet website, our Facebook page or at the shelter on Jensen Road in Shelton. For more information, email [email protected] or call 360-432-3091.
CLICK HERE if you are having a problem viewing the photos on a mobile deviceCLICK HERE if you are having a problem viewing the photos or video on a mobile devicePerhaps nothing matters for these Warriors until the playoffs start.Perhaps the Warriors’ embarrassing loss to the Phoenix Suns on Sunday is totally irrelevant in the grand scheme of things. After all, the Warriors have proven a few times this year that their top gear is better than anyone else’s in the NBA. And these are …
29 September 2011The Square Kilometre Array South Africa team have reached another milestone with the completion of the seven antennas of the prototype KAT-7 and the delivery of the telescope’s first astronomical image.South Africa, allied with eight other African countries, is competing against Australia (allied with New Zealand) to host the €1.5-billion Square Kilometre Array (SKA), an instrument 50-100 times more sensitive and 10 000 times faster than any radio imaging telescope yet built.The KAT-7 is a prototype for the MeerKAT radio telescope array, an 80-dish precursor instrument for the SKA, being built by the SKA South Africa team on the Karoo Astronomy Reserve outside the small town of Carnarvon in the Northern Cape province.First astronomical imageLast month, SKA South Africa announced that all seven of the KAT-7’s dishes had been fitted with “cold” radio receivers, signaling the successful completion of the telescope antennas.The first astronomical image – of the galaxy Centaurus A, whose intense radio emission is powered by a massive black hole in the centre of the galaxy – has already been made using cold receivers on all seven KAT-7 dishes.According to SKA South Africa, the resulting image was much more sensitive than a preliminary image made with just four of the KAT-7 dishes fitted with un-cooled receivers in 2010.“The radio receivers and all their components are cooled to about 70 Kelvin (minus 203 Celsius) in order to reduce the ‘noise’ which is inherent in all radio (and TV) receivers,” SKA South Africa said in a statement. “This allows the telescope to see much fainter objects than it would if the receivers and ‘feeds’ operated at room temperature and were not cooled.”‘Early science’ for the MeerKAT and SKAThe improvement would allow the KAT-7 to perform “early science” in preparation for the MeerKAT and the SKA.“These preliminary observations will be focused on the needs of the MeerKAT large survey projects, and include imaging of nearby galaxies and work on radio transients and pulsars, for which KAT-7 is well suited.”The KAT-7 is testing technology for the MeerKAT, which is in its early construction phase and is due for completion in 2016.The MeerKAT, besides being an important step towards the realization of the SKA, will be among the most powerful telescopes in the world in its own right, providing African scientists and engineers with a cutting-edge instrument for revolutionary science and technology.“This latest milestone in the development of the KAT-7 telescope has again been achieved on schedule,” said MeerKAT project manager Willem Esterhuyse.Esterhuyse commended the technical staff on the site – Siyabulela Tshongweni, Sibusiso Wakhaba, Andre Walker and Matthys Maree – all of whom have been trained in their special high-tech skills by the SKA SA project.The international science funding agencies and governments involved in the international SKA consortium are due to announce the winning bidder for the SKA in 2012, with construction likely to start in 2016 and take place in phases over several years, with completion by about 2022.SAinfo reporter