THC Board Advisors

Gerd Stabbert

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

Arthur Hilliard

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

Sue Kranjc

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

Mark Wainger

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

THC Senior Advisors

Sang Bin Lee Ph.D

A finance academic, best known as developer of the Ho-Lee short rate model, the first arbitrage-free model of that type. He is widely published in major journals, and has co-authored four finance texts. He is Professor of Finance at Hanyang University and President Elect of the Korean Securities Association. Previously, he was an assistant director Ministry of Finance, Korea and an Independent Director and a member of Risk Management Committee, Hana Bank. He received his Bachelor of Business Administration from Seoul National University (1975), a Master of Economics from Cornell University (1981) and a Ph.D from New York University

Blessing Mudavanhu Ph.D

Group CEO of CBZ Holdings, a financial services conglomerate (company), including a $3 billion bank in Zimbabwe. A Fulbright scholar, mathematician, corporate executive, academic, businessman and entrepreneur, who is the founder and president of Dura Capital Limited, a company that he founded in 2006, at the age of 35 years. He served as the Acting Group CEO of BancABC, a financial services conglomerate, with subsidiaries in six African countries. He obtained a MS at UC Berkeley and Ph.D at University of Washington

Serge Shuster

A mathematician, recipient of gold and silver prizes in Mathematical and Physics Olympiads and a personal letter of recommendation from the President of Russia Academy of Sciences. Expertise in Blockchain, Artificial Intelligence, Machine Learning, Quantum Computing, quantum resistant ledger and post-Quantum cryptography. He has over 25 years of experience developing derivatives pricing and risk models.

THC Management Team

Thomas S.Y.Ho Ph.D

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 "Key Rate Durations" (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 OfficerTMan 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.

Lindsay Elizondo, CPA, CMA
Vice President
Client Services

  • 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.

Brian Peterson, CTP
Member Services

  • 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.

Udoma Onwuachi
Managing Director
Head of Whole Loan Trading

  • 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.

Jeff Kinney
Support Specialist

  • 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.

Derek Chism
Sales & Marketing

  • 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.

Joey Chen, CFA
Technical Services

  • 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.
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