Practical experience and theoretical background allow us to properly represent various types of heterogeneous data into ready to use machine learning data sets. We perfect the art of feature engineering for time-series data, financial transactions, spatiotemporal information, behavioral patterns and many more. A high-quality risk scoring model is one of the key success factors in risk management. Our PhD level data scientists in Machine Learning can train and properly validate a Risk Scoring Model that will have a comprehensive view of the insured.