Featured Insights
Banks estimate what they could lose in stress tests. Credit losses exist in regimes — long stretches of low losses punctuated by sharp, severe transitions. The only value of stress testing is deciding what to do before the shift happens, but most banks don’t. They should use the results to know when to hold, when to fold, when to walk away and when to run.
About Us
Our mission is to develop flexible, custom solutions to your challenging problems, prioritizing growth and sustainability while enhancing your institutional knowledge.
Our Philosophy
“Thought before calculation.” Guided by industry-leading experts, we avoid aimless data mining. Our solutions are clean, controlled, reproducible, and explainable — inspired by Leonardo da Vinci’s words: “Simplicity is the ultimate sophistication.”
Recent Projects
A sample of recent engagements at banks and credit unions ranging from $20B to $75B in assets.
CECL & Stress Testing Model Suite — $75B Bank
Full-Lifecycle Model Development
Built loss forecasting models for every major consumer and wholesale portfolio — designed for both CECL and stress testing — from raw data through production at a $75 billion bank.
Loss Forecasting for Run-Off Consumer Portfolios — >$25B Credit Union
Bespoke Models for Non-Standard Portfolios
Built custom CECL loss forecasting models for solar panel loans, home improvement loans, and refinanced student loans — run-off portfolios where standard approaches and sample histories were inadequate.
Qualitative Adjustment Framework Redesign — >$25B Credit Union
From Vulnerable to Defensible
Identified critical flaws in a credit union’s CECL qualitative adjustment process and rebuilt the LOB questionnaire framework from the ground up — transforming a process unlikely to survive regulatory scrutiny into a documented, defensible framework.
Our Advantage
Three core principles that define our approach to delivering exceptional risk management solutions.
Integrity
Honest, transparent, and insightful. We work as true partners, embedding with your teams to deliver sustainable solutions you can control and replicate.
Expertise
Technical expertise meets practical insight. From data governance to model validation, we deliver actionable solutions backed by rigorous analysis and clear documentation.
Innovation
We do not arrive with a predetermined methodology. We examine what the portfolio actually requires — and build from there. That is what makes our work reusable, maintainable, and genuinely useful after we leave.
We are Elevating the Industry Standard.™
We don’t cite the industry standard as a justification — we examine whether it applies, and when it doesn’t, we say so and find an approach that actually fits. See how we work.
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