Todd Kennedy is Senior Vice President in charge of the Machine Learning and Data Strategy for Capital One’s Card business, and also co-leads the company-wide efforts in this space. Todd leads many of Capital One’s programs to apply Machine Learning to improve our customer and associate experience. During his 20+ years with the company, Todd has held multiple leadership roles within the US Card division, including leading the Digital Payments team and leading the team that developed and launched Capital One’s flagship credit card products - Venture and Quicksilver. Todd also previously led Capital One’s Small Business Card organization. His early work with the company focused on new business development.Todd joined Capital One in 1996 after graduating from the University of Virginia with a degree in Chemical Engineering. He lives outside of Charlottesville, Virginia with his wife and their two sons, and is passionate about being involved and giving back to the Charlottesville community.