2844 1st St. Costa Rosmerry CA 18221. United States


Our Organization – We offer a unique blend of Analytics and Risk Management services: Predictive Modeling, Credit Risk Modeling, Capital Adequacy, Collections Modeling and Marketing Analytics designed to assist Community Banks, Credit Unions and financial institutions improve the effectiveness of their decisions with Predictive Analytics.

Our Service Approach – We customize our services to the needs of each client and leverage the data, information and systems they currently have. We start with small ‘pilot projects’, demonstrate benefits and expand capabilities driven by project success, ROI and performance improvements.

Edgar Ortiz – Founder and CEO. Mr. Ortiz is an industry veteran with over 30 year experience in analytics, risk management, marketing and data management. He is a former McKinsey Management Consultant, Head of Global Risk Management and Marketing Analytics at Dun & Bradstreet Corp., V.P. at GE Capital and held Senior Management positions at IBM, JCPenney and Citibank. Mr. Ortiz is also a former President of the Texas Chapter of the American Statistical Association.

Contact us. Call us to schedule a no-obligation consultation to learn more about how our Predictive Analytic Services can help your organization capture the value and opportunities hidden in the data.

Bank Analytics

Leverage Predictive Analytics to grow market share, increase revenue and improve profitability.


Develop Predictive Models to analyze and forecast the stability, runoff rates and profitability of deposit levels across time.

Capital Adequacy

Develop Credit Risk Models and estimate the capital reserve levels that correlate with portfolio risk.

ALM Modeling

Measure the impact of changes in interest rates on NII, NEV, capital adequacy and profitability.

Improve Performance

  • Unleash the value
  • and opportunities hidden
  • in the data with
  • Predicitve Analytics.

Get More Customers

  • Acquire, retain and grow
  • profitable customer relationships
  • with data-driven
  • marketing decisions.

Manage Risk

  • Leverage Predictive Analytics
  • to proactively identify,
  • monitor, manage and control
  • balance sheet risks.

Our Approach

  • Start small and expand
  • capabilities driven by
  • success and performance
  • improvements.