Technology Risk Management
Our solutions address “soft” risks, such as unauthorized access to sensitive information, as well as “hard” risks, such as component failures.

Representative projects:

  • Reduce costs by prioritizing maintenance on instances predicted to fail and by identifying their root cause of failure.

  • Reduce engineering costs and client downtime by rapidly detecting  failed components with very few false alarms. Particularly well-suited for IT infrastructure with hundreds of thousands of instances, such as databases, routers and APIs.

  • Reduce data breaches by flagging users with unnecessary access to sensitive data using anomaly detection.

 

Credit Risk Management
We have expertise in various fixed-income securities including loans, credit derivatives and asset-backed securities and across multiple consumer and commercial asset classes. Our experience includes most stages in the work flow of loan products from marketing to underwriting to securitization. Representative projects include:

  • Decrease default losses for consumer, small business and commercial loans using AI-based underwriting and novel alternate data.

  • Value loans, credit derivatives and asset-backed securities.

  • Monitor, measure and manage loan portfolio risk.

  • Decrease loan processing and servicing costs using process automation and AI.

  • Streamline underwriting and risk management for loan portfolios.

  • Perform economic analysis for lawsuits involving credit instruments.

  • Ensure compliance of models with SR11-7 and other model risk regulations.

 

Insurance Risk Management

We have expertise in management liability, P&C and life insurance risks. Representative projects include:

  • Model claims from securities class action lawsuits using publicly-available conventional and alternate data and an insurer’s internal claims data.

  • Identify profitable micro-segments for private company management liability products.

  • Value portfolios of life insurance policies.

  • Automate underwriting of auto, home and other consumer insurance products.

 

Our Approach

RationalAi’s capabilities cover the entire life-cycle of a risk management solution. On a typical project, we:

  • start with understanding a client’s needs and collaboratively spec out a solution

  • build a prototype

  • manage on-boarding client personnel onto the solution

  • put solution into production, including integrating it into the client’s existing systems

  • hand over solution to client personnel and train them to maintain the solution