R. Tony Goyal

About R. Tony Goyal

I’m a Principal Data Analyst and Certified Fraud Examiner (CFE) specializing in financial crimes and audit analytics, with experience across credit cards, banking, mortgages, personal loans, student loans, and bank fraud.My work sits at the intersection of risk, analytics, and storytelling. I focus on:Consent order validations – testing whether remediation, controls, and programs truly meet regulatory and internal expectationsAML Model Validation, independent review of quantitative and qualitative components of FCC frameworks. Including mathematical, logic, and operational health of models used for detecting money laundering and terrorist financing.Exception, anomaly, and outlier detection – surfacing unusual patterns, gaps, and edge cases that traditional monitoring often missesAutomation – streamlining manual, repetitive review processes so teams can focus on the highest‑risk, highest‑value workVisual storytelling for executives – turning complex control environments and investigations into clear, decision‑ready views for senior leaders and the C‑suiteI’ve been a Certified Fraud Examiner since 2014, grounding my analytics work in formal fraud examination standards and real‑world financial crime behavior.Right now, I’m intentionally expanding into more advanced analytics and AI‑enabled approaches to financial crime especially around anomaly detection and support for investigations. I don’t claim AI/ML as my core expertise yet; instead, I bring deep domain and controls knowledge, strong exception analysis, and a decade of CFE experience, and I’m layering modern techniques on top of that foundation.I’m interested in principal‑level individual contributor roles where I can:Own complex financial crime analytics and monitoring problems end‑to‑endDesign and validate controls and detection approaches (rules, scenarios, anomalies, and eventually ML/AI)Strengthen consent order remediation and validation effortsUse automation and analytics to reduce noise and help organizations see and act on real risk more effectively

Experience

1. Data Science Principal, Internal Audit

   Discover

   May 2022 — Present

Education

• The University of Tennessee at Chattanooga

  BS, Economics, Chemistry

  1995 — 2000

• University of Maryland Baltimore School of Pharmacy

  PharmD

  2006

• University of Maryland Global Campus

  Masters, Database Systems Technology

  2011

Skills

• Microsoft Excel
• Sharepoint
• Training
• Testing
• Project Management
• Data Management
• Banking
• Databases
• Data Warehousing
• Business Requirements
• Customer Service
• Crystal Reports
• Software Documentation
• Sdlc
• Teradata
• Sas
• Business Intelligence
• Oracle
• Data Mining
• Management
• Requirements Analysis
• Unix
• Data Modeling
• Data Analysis
• Sql
• Visio
• Access
• Visual Basic
• Integration
• Requirements Gathering
• Analysis
• Business Analysis
• Database Design
• Process Improvement
• Programming
• Analytics
• Microsoft Sql Server
• Financial Services
• Security
• Pl/Sql