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Decision & Risk Analytics

Consultancy | Advisory | Risk Management & Governance | Fractional CxO Leadership

We help growing organizations and startups integrate advanced analytics in their decision processes and business strategy, and to manage the risk of using, developing, deploying, or integrating AI/ML models in their products or operations.

What is Decision Analytics?

Decision analytics combines data-based analytics—e.g., business intelligence, statistics or machine learning—with operations research, scientific principles, and human elements such as subject matter expertise. The goal is to support decisions that drive sustainable growth and profitability. 

Use of these methods and associated technology must be grounded on sound risk management principles with appropriate guardrails to prevent unintended results.

Ready to work with You

Target Sectors

Icons_Service4-1 Financial Services & Fintech

Our vast experience in banking and financial services products and processes makes us the ideal partner to build or improve upon your analytical and modeling capabilities as well as governance and risk management frameworks.
That experience spans across the entire lifecycle of financial, statistical and AI/ML models: development, validation, deployment, monitoring, and maintenance. 
Specific use cases include financial crimes prevention and detection (fraud, AML and OFAC screening), credit decisioning and account management, fair lending and other regulatory compliance, market risk management, portfolio management, pricing and revenue forecasting, capital planning, among others.

Icons_Service4-1 Data Product Startups

We can help growing startups with a data-based product that have already identified product-market-fit so they put in place sustainable data and/or AI/ML model compliance and governance processes.  We serve as your fractional Chief Analytics Officer or Model Governance Lead.

Icons_Service4-1 Education, CPG, Manufacturing & Logistics, SaaS, and Professional Services

Data analytics, AI/ML models, and optimization are key enablers in these sectors as the organization progresses along the path of analytical maturity.  We start by assessing your strategic needs and current capabilities and together build the foundation on which to establish relevant analytics functions and processes, including enhancing data literacy across all levels of the organization.

Contact us if interested in discussing potential applications.

Icons_Service4-1 Social Impact Organizations

We lead with our values by offering our services to enhance the analytical capabilities of organizations—both for profit and nonprofit—working toward social impact goals.  Those include access to housing,  education, financial services, healthy environment and healthy food, climate change,  intersectional equity and economic development, and animal welfare.

Services

What We Offer

Contact us for details or other tailored requests

Icons_Service5 Analytical Competency Workshops

Besides training on data fluency or specific skills, tools or techniques, we also help build strong analytical competency by focusing on  how to tackle problem solving, stakeholder management, and communications.

Icons_Service5 Analytics Strategy Development

Strategy setting identifies the current level of analytic maturity and what path best serves the business needs over time.  Strategy setting drives subsequent decisions on prioritization, staffing, training, technology, workflows, and budget.

Icons_Service5 Compliance Assessment & Planning

Whether capturing and using customer data, relying on third-party data or models, selling data products, or using algorithms that impact customer outcomes, compliance with laws and regulations globally is vital to long-term sustainability.

Icons_Service5 Risk Management & Governance

Risk management and governance processes are essential to ensure responsible use of data, models, and any technology that relies on AI/ML algorithms. Our approach combines principles from the Model Risk Management supervisory guidance in the banking industry, from evolving AI/ML Risk Management and Governance frameworks, and from  Validation and Verification processes used in engineering and software development. 

Icons_Service5 Technology & Vendor Selection

Choosing among the growing number of technology tools and Software-as-a-Service offerings— whether a visual analytics or a model deployment platform—can be overwhelming given the wide range of applications, pricing models, and required user skills.  Businesses often overspend on tools they do not need or are difficult to maintain.

Icons_Service5 Custom Predictive Models

Predictive models can help answer questions such as:

  • Which group or segment is more likely to churn, or more likely to renew?
  • Given prior history, what sales volume I would expect in a year?
  • Which transactions are likely fraudulent?

In general, they provide estimates in response to questions about propensity or what will happen at a future period based on past observations (data).

Icons_Service5 Research / Experiment Design

Analytical techniques often help discover useful correlations, but when trying to uncover cause-and-effect it may be necessary to set up controlled tests, when feasible.  We help with the design and causal analysis.

Icons_Service5 Hiring / Staffing Planning

The required skillset and staffing levels for data analytics varies considerably across businesses.  One size does not fit all.  We can assist defining job requirements, creating a staffing plan, and advising on organizational fit.

Icons_Service5 Optimization and Simulation

In some cases, decisions to choose among potential options do not require statistical data analysis, machine learning or AI.  Rather, they can be framed as mathematical optimization problems or 'what if' simulations.

evacruz-014

Eva B. Cruz, PhD

CEO & Founder

Who We Are

Key Highlights

  • More than 20 years of corporate and academic experience building, implementing, validating, and using advanced analytics solutions in financial services, banking, and energy sectors, among a wide range of applications (e.g.,  industrial process optimization, balance sheet / revenue and loss forecasting, capital planning, what-if simulations, fair lending compliance assessment, fraud detection, risk-based clustering, among others).

  • Prior corporate executive, with progressive career growth forming and leading teams of quantitative experts in areas such as applied statistics, quantitative finance, econometrics, and data science.

  • Risk management specialist with deep knowledge of governance and compliance processes associated with the sourcing, development, implementation and use of advanced analytics, predictive modeling, and other data-based technologies.

  • Strong academic research background in optimization, controls, and decision-support systems.

  • Effective customer-centric communicator adept at interacting with both non-technical business audiences as well as specialized practitioners.

  • Widespread network of subject matter experts and specialists to bring onboard on a project basis or as potential hires.

Contact Us

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Frequently Asked Questions

Do you sell software products?

We are not associated with any software vendor.  Recommendations to clients are strictly focused on what would work best for them given their goals, budget, capabilities, and future plans.

What makes you different from the vast majority of data analytic consultants?
  • Extensive experience operating in regulated environments across roles that included not just building and deploying analytics solutions, but also assessing and managing their risk and building governance and compliance processes.
  • Expertise in predictive model algorithms and mathematical optimization, supported by academic credentials and prior research work.  No junior consultants or 'AI influencers'.
  • Experience in building sustainable business processes and continuous process improvement frameworks. 
  • No-nonsense, straightforward communications throughout our engagement.  No selling services your business does not need, or is not ready for.
  • Enough time up front learning about your business model, KPIs and key stakeholders and how analytics can be embedded into decisions and actions.
Do you follow the same process with all clients?

We first need to understand what your business model, strategy, products and key priorities are.  Only after completing that step, we can agree on the terms of our work.  We could also end up referring you to others in our extensive network if we find that we cannot meet your needs.

Can you help us use AI in our business?

Certainly.  First, we would like to ensure our clients understand what AI is, and what is not.  Recently, the term AI is thrown around to refer specifically to Generative AI, a specific branch dealing with large language models (LLM).  As part of our discovery, we can discuss the merits in the context of your use case(s), as well as any trade-offs.  Generative AI and LLMs are not universal problem solvers, and it may be the case that they will not provide any material ROI.