There are many examples of the use of risk analytics in the world today. Your task for this week's discussion board is to identify a real, recent example of risk analytics, thoroughly examine it, and then analyze it for the class. Your example and response must comply with the following requirements:

1. Your chosen topic must involve an organization using risk analytics within the past 12 months.
2. You must summarize how and why the organization used risk analytics, citing the source of your information.
3. You must identify and describe for the class how the organization's use of risk analytics impacted them. Identify outcomes, positive or negative, that were realized by the organization through their analytics activities.
4. You must examine ethical components of their use of risk analytics. Be thorough in your examination. For example, it is ethical for a credit card company to control who can hold their cards, and how much those card holders can charge; but it is also ethical for that credit card company to grow its revenues and profits. If your chosen topic were a credit card company using risk analytics to get more of their cards into the hands of more and more consumers, what would the ethical considerations and ramifications be for that card company?