Carl Ryden has deployed pricing management solutions in hundreds of financial institutions, ranging from banks that span the globe to those that serve local communities. Beginning in 2009 with a blinking cursor and a blank screen, Carl developed PrecisionLender’s loan pricing system. He still does some coding but now also provides strategic consulting to PrecisionLender clients and charts the course for the company’s efforts in artificial intelligence. Carl’s breadth of experience and passion for technology, finance, strategy, and software development give him a unique perspective on risk-based pricing. He has an MBA from MIT Sloan School of Management, a Master’s Degree in Electrical and Computer Engineering from MIT and a BS in Electrical Engineering from NC State University. Carl has written a number of articles specifically relevant to bankers, on topics such as relationship pricing, purchasing cloud-based solutions, and the impact artificial intelligence will have on the industry.