Case Summary:            

We are pleased to share the success story of a financial analytics expert whose I-140 NIW (National Interest Waiver) petition was approved within 6 months and 20 days under premium processing, even after receiving a Request for Evidence (RFE). This outcome highlights the growing value of artificial intelligence and machine learning applications in financial services and the national importance of promoting transparency and risk management in consumer finance.

Our client holds an M.Sc. in business analytics and is currently employed as a financial analyst. His proposed endeavor centers on developing practical and explainable models using artificial intelligence and machine learning to analyze consumer delinquency and credit risk. These models aim to serve as early warning systems and promote transparency in algorithmic decision-making. His research directly supports the need for improved financial risk forecasting and fairer lending practices, aligning with U.S. priorities in financial regulation and emerging technology oversight.

Filed under the EB-2 NIW category, the petition featured:

• 1 peer-reviewed journal article,
• 1 peer-reviewed conference paper,
• A total of 17 citations as per Google Scholar (37 citations at the time of RFE response)

The petition demonstrated how our client’s research on financial crimes enabled by cryptocurrency and on machine learning models for bankruptcy prediction has already had a measurable impact. His publications have been cited internationally, including in research on digital health systems, blockchain applications in accounting, and financial technology innovation. Two of his papers were ranked in the top 1% most cited articles in the field of Economics & Business for their year of publication, underscoring the originality and significance of his work.

His proposed endeavor further contributes to ongoing national discussions around consumer credit, financial delinquency, and AI accountability in automated financial systems. We also noted that his research is supported by major financial institutions and has relevance for public and private efforts to manage financial risk in the digital age.

To validate the petition, four letters of recommendation were submitted by leading scholars and professionals in the field. These letters affirmed his ability to influence both academic research and practical applications in financial technology.

“Given the significant challenges in predicting and preventing bank failures and the importance of maintaining a stable financial system, it is clear there is a requirement for further work with respect to these issues. As [Client] has accomplished highly valuable research in this regard, there is an ongoing demand for his expertise.”

With a carefully documented petition highlighting the merit, importance, and feasibility of his proposed research, NAILG successfully secured a favorable outcome for this promising financial analytics professional. We look forward to his continued contributions to responsible AI development and financial system transparency that benefit both U.S. consumers and the broader economy.