[d4t4]

I work in financial services as a statistical model developer and we usually go through extensive legal review before we can use a model for a specific application. We always avoid using less controversial demographics (e.g. customer tenure as a surrogate for age) before we build models for less legally risky endeavors like marketing because of Fair Lending laws. It concerns me that gender made it into a credit risk model which have an even higher standard for legal oversight where I'm at. Fingers crossed that this is only a rare oversight on Goldman Sachs part.