As a Research Contributor, Lloyd Foster has over 20 years of professional experience building and validating complex risk models, and carries over 3 decades as a fully qualified actuary. His formal training and considerable experience includes stochastic calculus, advanced statistical techniques, object oriented programming using C++, and advanced applications in Mathematica in mathematical and statistical modeling. Lloyd also specializes in Cumulative Distribution Function, Probability Density Function, Copulas, Ordinary Differential Equations and Partial Differential Equations and application to security risk.