Helen Ristov finished her graduate degree in Mathematics at the University of Texas at Austin studying dynamical systems. She currently works for Discover Financial as a senior risk analyst building marketing eligibility models. Previously she worked for a financial firm in Austin, Texas as a quantitative analyst collaborating with senior programmers to develop a Monte Carlo enabled financial planning tool.

       Nathaniel Loman finished his graduate degree in Statistics at the University of Chicago where he worked on innovatove algorithmic models in statistical genetics for pediatric leukemia. He also holds a Mathematics degree from the University of California, Berkeley. He currently works for Discover Financial as an analyst in the risk department where he is responsible for building risk and forecasting models.