Wintel Analytics

Intelligent. Informed. Insightful

Wintel Analytics is independent analytics and advisory firm that specializes in modeling and analytics, asset & portfolio valuation, risk management, and model risk governance, helping financial industry players be more insightful and effective. We use a combination of technology and domain expertise to help clients make better data-driven decisions, optimize operations, and deliver superior customer experiences. We focus on delivering business value, not just a technically sound model.

HOW WE HELP CLIENTS

Risk Modeling

Aid clients in quantifying, aggregating and managing risk across geographical and product lines.

  • Credit risk modeling – Improve underwriting decisions and increase revenues while reducing risk costs
  • Operational risk and fraud analytics – Provide analytics-driven issue detection and real-time risk reporting
  • Machine learning – Complement traditional risk modeling approaches to find previously unidentified patterns and extract meaningful outputs

AML & KYC

Implement a robust and compliant Anti-Money Laundering (AML) and Know Your Customer(KYC) framework

  • Policy & Procedure Gap Assessment  – Identify current framework’s weak points and understand the path to remediation
  • Information and analysis – Best practices for a risk based approach to collecting and analyzing customers behavior and assigning customer risk
  • Monitoring and Reporting – Identify and investigate potential AML issues
  • Transition Services – Help scope, guide, and monitor the transition to 3rd party AML/KYC services

Digital Banking & Fintech

Guide traditional banks and fintech companies navigating digital banking road map amid current financial technology evolution.

  • Regulatory guidance and structuring
  • Digital Strategy
  • Competitive Analysis
  • Product Development

Pricing & Valuation

Provide cash-flow based framework and analytics to assist loan pricing and asset valuation.

  • Consumer credit loan level pricing
  • Mortgage Servicing Rights (MSR) Pricing model review, analysis and enhancements
  • Valuation of whole Loan portfolio and structured finance product

ALLL & CECL

Simplify transition to Current Expected Credit Loss (CECL) and offer flexibility in their path to CECL compliance 

  • CECL Gap Assessment  – Customized gap analysis, identifying pain points in transitioning to CECL and a clear roadmap to achieve CECL compliance
  • ALLL Process Evaluation – help firms assess, develop, and enhance their loss reserve processes end-to-end

CCAR, IFRS9 and Stress testing

Help institutions prepare for production, embed enhancements into regular capital planning processes, and strengthen governance, including effective challenge and documentation.

  • CCAR
  • IFRS9
  • Stress testing

Model Validation

Ensure that models are sound, identifying potential limitations and assumptions and assessing their possible impact, following Supervisory Guidance on Model Risk Management (SR 11-7)

  • Evaluation of Conceptual Soundness
  • On-going monitoring
  • Outcome Analysis

Risk Governance & Regulation

Work with clients to address the impact of regulatory requirements and to seize market and competitive opportunities arising from regulatory change

  • Risk Culture assessment and framework 
  • Risk Appetite Statement build out
  • Risk Management system development and enhancement – 3 lines of defense