Oxford Risk, the leading behavioural finance fintech serving wealth managers, advisers, banks, and pension providers, today announced the appointment of Francesco Cocozza as Product Innovation Manager for AI & Behavioural Finance. The appointment accelerates Oxford Risk’s strategy to deliver AI-powered personalisation at scale, grounded in behavioural understanding.
Cocozza has spent much of the last decade working on fintech products, building data and AI capabilities that make behavioural science usable at scale. In recent years, he has led AI strategy and implementation programmes on every continent across highly regulated financial services and healthcare industries, from early-stage concept through to production and commercialisation.
At Oxford Risk, Cocozza will develop AI-powered tools that turn the company’s behavioural intelligence into practical support for advisers and their clients, translating Oxford Risk’s data into decision-ready insights to help firms consistently deliver the right message to the right investor at the right time, and in the right tone. He will lead the development of AI systems that are both behaviourally intelligent and governance-ready, ensuring outputs remain transparent, auditable, and aligned with regulatory expectations.
Oxford Risk’s behavioural investor database — hundreds of thousands of anonymised financial personality profiles across four continents — is the perfect foundation to power AI personalisation that goes beyond demographics.
Unlike generic AI personalisation tools, Oxford Risk’s approach anchors outputs in deterministic, evidence-based suitability models. AI is used to orchestrate communication and engagement — not to invent or alter core suitability logic.
“Until now, truly personalised client engagement has been prohibitively expensive and reserved for the wealthiest investors. AI changes this – but only when it’s built on the right foundation,” said Marcus Quierin, CEO of Oxford Risk. “We’ve spent years building the world’s largest behavioural investor database, and Francesco’s appointment marks the next step in turning that intelligence into AI-powered tools that deliver real value at scale. Personalisation without behavioural grounding is cosmetic. The real value of AI is when it helps people stick with good decisions, not just make them.”
Commenting on his appointment, Cocozza said: “The real disruption is not automation on its own. Left unchecked, AI can be unpredictable and it tends to produce dangerously generic output. The real change comes when you combine it with rigorous, human-designed behavioural analysis and make it part of specific workflow steps. It must support judgment instead of replacing it. Oxford Risk is uniquely positioned to build AI that makes advice more efficient and more personal.”
In addition to the appointment of Francesco Cocozza and to support Oxford Risk’s continued growth in the UK, internal strategic role changes also include Thomas Mitchell moving to Head of UK New Business and Tom Kelly to Client Director.
