About

I build companies and write about what I learn.

I’m the co-founder and CEO of TrueML. I’ve worked in machine learning and financial services since 2005.

The short version

I started at FraudSciences, where I led fraud analytics for high-risk ecommerce payments. PayPal acquired the company in 2008. I stayed to run risk for new products including digital goods, mobile payments, gaming and PayPalX.

In 2010 I helped start Signifyd and Analyzd. Signifyd focused on ecommerce fraud. Analyzd focused on consumer credit. Klarna acquired Analyzd in 2011, and I became its Chief Risk Officer, responsible for decisions across several billion dollars of annual payment volume.

In 2013, after a frustrating experience with an overdue bill, my brother Nadav and I started TrueAccord. Today I run TrueML, which includes TrueAccord and Retain. We use machine learning to decide how and when to communicate with consumers about debt.

Outside TrueML, I serve on the board of Sydecar and chair the board of the British International School of Stockholm. I occasionally invest in restaurants. I’m also interested in education, life sciences, hospitality and dining.

The roles differ, but the work usually comes down to making better decisions with incomplete information.

For consulting or advisory inquiries, email ohad@sametholdings.com. You may also want to read my note on working with advisors.
CurrentCo-founder and CEO, TrueML
Board rolesSydecar; British International School of Stockholm
Public serviceFormer member of advisory boards at the CFPB and California DFPI
InterestsEducation, life sciences, hospitality and dining
EducationBiology and Philosophy, Tel Aviv University, 2002 to 2005
Based inStockholm, Sweden
ElsewhereLinkedIn and O’Reilly
Boards and public service

Outside TrueML

Board work, public service and publishing.

Sydecar

I serve on the board of Sydecar, which builds infrastructure for private-market dealmakers and investors.

Visit Sydecar

British International School of Stockholm

I chair the school’s Board of Governors.

BISS governance

Online payments risk management

I wrote a short book about how payments risk teams work.

Read about the book

Consumer Financial Protection Bureau

I served on the CFPB Consumer Advisory Board.

CFPB meeting record

Machine learning in collections

A conversation about reinforcement learning, consumer behavior and collections.

Watch or read