The Team

 THC Board Advisors
Gerd Stabbert
Arthur Hilliard
Sue Kranjc
Mark Wainger

Former Managing Director of MetLife's Investment Department. Managed $50 billion fixed income portfolio

Former Director at Castle Oak Securities, Former Vice President at FHLB Chicago and Former President Illinois Mortgage Banker's Association

30+ years in the community banking industry serving as the CFO and Treasurer of a community bank with a multi-state wholesale mortgage operation, now serving as a bank board member

CTO of LatAm Structured Finance Engineer, LLC., former CTO of Ebond.com, former Technical Director of Barra, Vice President of Global Advanced Technology. Degree from MIT(BS) and NYU(MS)

 THC Management Team
Thomas S. Y. Ho PhD
Founder, President & CEO

Ph.D., Mathematics University of Pennsylvania

Professor of Finance New York University Stern School of Business

Path Breaking Innovations
  • Developed prepayment-default models for residential mortgage loans with FHFA (formerly OFHEO) and analyzed FNMA and FHLMC balance sheets.
  • Created the first coupled prepayment default model for residential mortgages (2007): accepted and used by the Federal Housing Finance Agency (FHFA).
  • The first to introduce the arbitrage-free interest rate model (1986): a widely used approach for balance sheet valuation and risk management.
  • Pioneered ˇ°Key Rate Durationsˇ± (1992): a standardized method of measuring interest rate risk.
  • Pioneered a methodology for fair value hedge accounting for complex structured bank products.
Business Accomplishments
  • Founded and sold Global Advanced Technology (GAT) which had 200 global major institutional clients.
  • Senior consultant to AIG Enterprise Risk Management overlooking 300 companies interest rate risks.
  • THC Risk Officer™ an Asset-Liability Management model widely used: Named one of the two ALM vendors of the 21st century Bank Asset/Liability Management A.S. Pratt, April 2014.
Regulatory Technology and Financial Technology Accomplishments
  • Designated by the Office of Thrift Supervisions (OTS) to develop interest rate risk reports for over 800 banks.
  • Sole provider of Net Portfolio Value risk reports to all OTS regulated banks and onsite examiners analytical system for OTS/OCC.
  • Nominated to the US Financial-Economic Round Table.
Udoma Onwuachi
Managing Director
Head of Whole Loan Trading
Brian Peterson, CTP
Director
Member Services
Lindsay Elizondo, CPA, CMA
Director
Client Services
  • Onwuachi was a former Vice President of MIAC, Whole Loan Pricing.
  • Prior experience included, Anigriv LLC, Markit, and ICE.
  • He obtained an MBA from Zicklin School of Business and receive a Bachelor degree from New York University.
  • Peterson previously managed America's Treasury function for Avnet (Fortune 500 co) with $1.6 billion in net debt.
  • Peterson oversaw the ALM function for Arizona Federal Credit Union ($1.5B).
  • He earned his MBA from ASU's W.P. Carey of Business School.
  • Elizondo was former Executive Director of Business & Finance at Battle Creek Public Schools.
  • Prior experience included, Homestead Savings Bank as Assistant Vice President of Finance & Accounting, and NPO experience in Fairbanks, AK.
  • She received a BS in Finance and Accounting from Baker College.
Jeff Kinney
Client
Support Specialist
Derek Chism
Director
Sales & Marketing
Joey Chen, CFA
Director
Technical Services
  • Kinney previous worked at Comerica as a Banking Center Manager.
  • Kinney's prior financial services experience includes 7 years with credit unions.
  • He received a BBA from Central Michigan University.
  • Chism previously managed Comerica Bank as VP. Was ranked as top performer from 2014 to 2017.
  • Chism also serves as an on-call firefighter with Marshall Fire Department.
  • He received a Bachelor degree from Spring Arbor University.
  • Chen was former manager at Multimax Inc, responsible for design financial analysis system.
  • Work with a 15+ engineering team, where managers have over 20 years experience with THC models.
  • He received a Bachelor degree from University of Science and Technology of China.