Michael Hilgers is Professor of Information Science and Technology at the Missouri University of Science & Technology, where he developed the graduate certificate in business analytics and data science. Dr. Hilgers has worked as a consultant for the insurance industry developing several types of financial systems, one of which calculated the hedging needed for risk management of a portfolio of financial products based on hybrid options. He was awarded the Certificate in Quantitative Finance created by Paul Wilmott of Oxford University. Dr. Hilgers earned a PhD in applied mathematics from Brown University. He can be reached at hilgers@mst.edu.