Aaron Caldiero is a senior financial services and technology leader with over 20 years of experience spanning banking, risk management, data science, cybersecurity, and enterprise technology. His career focuses on building high‑performing teams and scalable analytic platforms that materially improve portfolio performance, risk outcomes, and profitability.
Prior to joining FEB, Aaron served as Vice President of Risk & Data Science at Arivo, an auto lender owned by Ken Garff Enterprises. In this role, he unified and led three formerly separate organizations, Data Science, Business Intelligence, and Underwriting, creating an integrated, collaborative risk organization. His teams built machine learning platforms supporting credit risk, pricing, and servicing, alongside enterprise reporting capabilities that materially improved decision quality. Under his leadership, Arivo consistently outperformed peer lenders in both portfolio performance and profitability.
Earlier in his career, Aaron was Principal Data Scientist at RiskRecon, a cybersecurity risk analytics startup that was later acquired by Mastercard. He played a key role in developing the company’s risk assessment technology and remained with the organization post‑acquisition to scale the platform to Mastercard’s global volume and operational standards.
Aaron has also held senior leadership and technical roles at Zions Bancorporation, where he served as Vice President of Enterprise Information Management & Data Sciences. There, he was responsible for machine learning, business intelligence, and data infrastructure across ten affiliate banks, and led the development of a real‑time risk decision engine used enterprise‑wide. His earlier experience includes roles as a data, technology, and infrastructure consultant, as well as a Risk Manager at American Express.
Aaron is a recognized thought leader in data science, risk, and cybersecurity. He has spoken and served on panels at the RSA Security Conference and the RSAC eFraud Global Forum and has been featured in interviews and articles within data science and information security publications. His work is also referenced in the book Big Data: Concepts, Methodologies, Tools, and Applications. He has previously held certifications in AWS Solutions Architecture and SAS Advanced Programming and served on the IBM Customer Advisory Board for Analytics.
Aaron holds a Bachelor of Science in Psychology from the University of Utah and a Graduate Certificate in Applied Statistics from Penn State University.
