Responsible for promoting the image, reputation and market position of Candor Technology. This will be accomplished in many ways, such as through authoring of scholarly articles, presentations at major events, the conduct of media interviews, the conduct of research on market needs and the thorough review of problems/solutions, including analysis of data that represents how a solution performs in the marketplace.In particular, identify and promote Candor in areas where it has attained market leadership position which would translate as often as possible into economically sound solutions for Candor’s target market, the automated underwriting segment of the residential mortgage industry.Review, identify and recommend products and markets for future development. Focus upon recommended products and markets that are highly likely to rely on the decision-making technology (i.e. CogniTech) and data of Candor. Focus upon extending the market footprint of Candor to adjacent markets with solutions that rely upon Candor’s proprietary and patented technology: CogniTech, which is a fully automated underwriting technology. Adjacent markets and opportunities may also rely upon the data generated by Candor’s CogniTech. CogniTech generates high fidelity data that describes the issues and resolutions that CogniTech oversaw as it accomplished the underwrite of a residential mortgage loan.

Credit Sciences is a data and analytics company specializing in borrower and property analysis for the mortgage industry and related financial services industries. Credit Sciences has a well developed attribute engine that extracts key attributes from consumer credit data and property data for use in a wide range of analytics. Credit Sciences has developed an array of analytics systems: borrower segmentation, credit default, mortgage prepayment, borrower move, collections performance and other important financially related borrower behavior.

While at Digital Risk, I have developed a new technology called Veritas (patent pending) that is a new mortgage risk management technology that combines the assessment and analysis of manufacturing risk and defect with credit risk, including default and loss. This technology, the first of its kind, uses commercially available data and proprietary analytics to estimate in real time the propbability of manufacturing defect, default and loss. It is the result of a Big Data and Big Analytics technology program that involves the development and analysis of data across 10 million mortgage loans, each with over 7,000 attributes acquired from the analysis of 10+ information resources. The creation of Veritas has boosted the value of Digital Risk by $100+ Million and is now opening doors to new analytics applications in the mortgage space.

In this position, I developed a robust distressed mortgage asset evaluation, optimization and management tool (The WillCap Matrix). WillCap is a Big Data, Big Analytics application that evaluates the borrower's willingness and capacity to pay. WillCap leverages a unique blend of consumer credit, property information and local real estate market data to estimate loan level treatments and cash flows. WillCap can optimize loan modification terms to ensure the longest possible life, to identify the loan mod with the most net present value and/or price the loan for sale. This is a patented application; I am the patent holder. This product was purchased by money center banks to analyze their distressed asset population.

As Senior Vice President of Products and Analytics at First American, FASLO, we developed data and analytics tools to assist with the purchasing of mortgages and their servicing, with a focus upon distressed mortgages, especially second liens. In the process of devloping these tools we created a Big Data and Big Analytics infrastructure upon which to base the development of our tools.

While in this position, I managed and developed the latest versions of the Loan Performance Risk Model, an industry leading competing risk mortgage analytic. I also developed and managed the Loan Performance Securities Database, a database of over 20 Million securitized loans in the private label securities market. And, I developed and sold the latest versions of the TruStandings product set. All of these applications are Big Data, Big Analytics applications that are sold on the secondary mortgage market to Blue Chip customers.

Managed the portfolio of factored receivables with a focus on the small business domain. In this role, I created a risk management and analytic technology to address the needs of an online accounts receivables lender who targeted mid and small companies; this was a Big Analytics application While at Inzap, rewrote and remedied a risk management and lending policy that resultign in very high serious delinquency rates (20+%); through successful collection efforts only incurred a write off of less than 2%. In addition put into place risk analytics and credit policies that prevented such problems in the future.

As Vice President and General manager in charge of an information service company targeting the legal and insurance industries, executed a turnaround action that reversed rapidly declining revenues and profits, which resulted in a doubling of revenues, the increase in profits and the creation of positive cash flow within a two year period. The turnaound involve the application of changes in strategy, structure, systems and people. Productivity gains were substantial: while the business was doubling, we lowered staff from 325 people to 256, enjoying productivity gains of 20+% per annum.

Managed the repositioning and turnaround of the Business Credit Product line by launching an innovative target market program that enabled TRW BCS to carve out niche markets, while also competing successfully with Dun and Bradstreet. The company achieved its first profitability in 10 years and doubled in revenue within two years, while also boosting sales productivity. Sales as percentage of revenues dropped from 53% to less than 35% during this period.

Air Force Human Resouces Laboratory, program manager. Managed computer science, aircraft simulation and personnel management technology development.

While an Air Force officer, was selected/requested by NASA to manage technology development programs at their Ames Research facility.