Clark Abrahams is the Director for Fair Banking at SAS, where he leads business and product development. He has over thirty years of experience in the financial services industry, at corporations including Bank of Americaand Fair Isaac Corporation.Mingyuan Zhang is Solutions Architect for SAS Financial Services. Over the last 10 years with SAS Institute, he has successfully developed and implemented many economic forecasting, data mining, and financial risk management solutions for various industries. Prior to joining SAS, he served as an economic and financial analyst for a leading telecommunicationsconsulting firm.