Utility: testimonial

Ethan is a Senior Business Analyst at 2OS, joining full-time in July 2024, after interning in Summer 2023. Since then, he has worked on projects related to customer valuation, marketing optimization, and debt settlement. Ethan graduated from the University of Virginia with a Bachelor of Science in Systems and Information Engineering with a concentration in Data Analytics and a minor in Business. During his time at UVA, he worked on a range of consulting projects through his coursework. As part of his capstone project, he developed a machine learning model using data on semiconductor companies obtained up to their Series A funding round which identified potential unicorns in the industry. Ethan enjoys golfing, playing soccer, and hiking in his free time. He is an avid Chelsea fan and follows all the matches and news of the Premier League daily.

Andy is a Manager, Data Science, joining 2OS in February 2023. Since coming onboard, he has worked on a range of projects, spanning from risk modeling and forecasting to valuation and optimization model development. Drawing from his understanding of economics, statistical analysis, and AI/ML, Andy has delivered valuable insights to top U.S. financial institutions. Lately, his emphasis has been on the responsible integration of generative AI within the financial services sector.

Prior to his role at 2OS, Andy earned his B.A. in Economics and Data Science, alongside a B.S. in Chemistry from UC Berkeley. He also holds a M.A. in Economics from Duke University. During his academic tenure, Andy contributed to university research groups and received several awards and scholarships for his outstanding academic achievements.

Beyond working and observing his two cats in their natural habitat, Andy enjoys exploring diverse cuisines. As an avid photographer, he captures and shares his experiences through his lens. He also challenges himself to learn from other talented individuals through competitions in coding, trading, and photography.

Erin is a Senior Business Analyst who joined 2OS in July 2022. She studied Systems and Information Engineering at the University of Virginia, concentrating in Data Analytics. Before coming to 2OS, Erin worked as a Project Management Intern in the Knowledge Management department at MetLife. During her time as 2OS she has worked with a wide array of lenders, from fintechs to large banks. The projects she has worked on include collections diagnostics, loss forecasting, and design and implementation of repayment programs.

Erin enjoys swimming, paddleboarding, kayaking, and just about anything else that can keep her on the water. She also loves learning new skills and crafts, with two of the most recent being sewing various garments and candle making.

Elizabeth is a Manager, Data Science, joining the 2OS team this summer in July 2022. She is eager to combine her Computer Science, Math and Economics background to provide data-driven solutions for a variety of clients. Although Elizabeth recently joined the team, she has worked on developing fraud detection models during her graduate studies and is eager to participate in projects involving statistical modeling and fraud.

Originally from the Dominican Republic, Elizabeth moved to the US for her undergraduate studies at the University of Richmond, where she majored in Mathematical Economics. Most recently, she completed a M.S. in Computational Operations Research at the College of William and Mary. She has always been fascinated by the intersection of data science and the financial industry, developing Value-at-Risk models for student-managed portfolios and, more recently, creating a fraud-detection tool for real-time transaction data. Last summer, she was a Data Analyst at Capital One where she expanded her knowledge of the credit card industry.

In her free time, Elizabeth enjoys spending time outdoors and running with her Australian Shepherd. She also enjoys weightlifting, salsa dancing, road tripping and traveling to the Dominican Republic (with her dog!) to see her family.

Syed Raza leads the AI Practice at 2nd Order Solutions (2OS), where he partners with leading banks to design, govern, and deploy AI solutions at scale. He works closely with executive leadership, risk, and model governance teams to move initiatives from pilot to production.

Raza has advised several top-10 U.S. banks and global financial institutions across the full AI spectrum, from traditional credit risk modeling (GBMs, explainability, underwriting strategy, and model risk management) to modern LLM-powered applications, agentic AI architectures, and hyper-personalized customer experiences. He is particularly focused on helping institutions balance innovation with regulatory discipline, unlocking growth while maintaining strong risk foundations.

He holds a PhD in Theoretical Physics from the University of Virginia, where his research focused on quantum computing and reinforcement learning. Raza contributes to open-source AI initiatives and writes about AI, quantum computing, machine learning, and credit risk. He enjoys cooking, exploring new cuisines, and playing competitive cricket.

Ben is a Senior Manager, Business Analytics at 2OS, who joined the company in March 2020. Ben has worked on a variety of projects at all stages of the lending life cycle, for clients ranging from early stage FinTech lenders to top domestic and international banks. His work has included building credit policies and financial models across multiple asset classes, developing digital focused contact strategies for collections efforts, and conducting diagnostic reviews of corporate acquisition targets.

Prior to joining 2OS, Ben was a Consultant at AQN Strategies. At AQN, Ben worked with a variety of FinTech and large regional bank clients on projects including launching a new co-branded credit card portfolio. Ben graduated from the University of Michigan in 2019 with degrees in Economics and Applied Statistics.

In his free time, Ben enjoys being outdoors as much as possible and competing in various rec sports leagues in Richmond. 

Jennifer is a Senior Manager, Business Analytics at 2OS, joining the company in June 2020. Jennifer has worked with a number of international clients in areas ranging from pricing to collections. This includes the development of a customer behavioral model and revamp of the pricing optimization process for a large bank as well as the creation of a learning strategy for a client considering expansion into new areas. Jennifer is passionate about driving value for clients in helping them better understand the complexity and value trade off.

Jennifer joined 2OS after completion of a Masters in Statistics from Duke University in May of 2020. Prior to Duke, Jennifer worked with GM Financial in a data analytics and reporting role that supported credit review and fraud identification teams. In this role, Jennifer revamped existing infrastructure to provide greater accuracy and efficiency in reporting, improved the effectiveness of fraud identification tools and completed a comprehensive cost benefit analysis on various 3rd party fraud identification tools. Jennifer also holds a BBA in Decision Sciences from the University of North Texas.

Jennifer loves learning new skills, which leads to a constantly changing list of hobbies outside of work. She currently enjoys attending monthly quilting retreats, growing flowers from seed and dancing Argentine Tango. When the weather is nice, you can find her exploring Virginia’s Blue Ridge Mountains or canoeing the James River with friends.

Rachel is a Senior Manager, Business Analytics at 2OS, joining the 2OS team in November 2021. Since joining 2OS Rachel has worked with various international clients across all stages of the lending lifecycle, with a focus on Collections and Recoveries. Her work has included diligence/diagnostic reviews, building credit policies, and helping clients bolster their Collections and Recoveries strategies. In the Collections and Recoveries space, Rachel has worked with a wide range of clients from small fintech lenders to top 10 credit card issuers.

Prior to joining 2OS, Rachel was a Business Manager at Capital One, where she designed and executed strategy for credit card loss mitigation activities. Before Capital One, Rachel was a Manager at Bates White Economic Consulting. While at Bates White, she managed dozens of consumer lending engagements and developed deep experience translating expert opinions into client results. During this time, Rachel also led multiple forecasting model builds that were instrumental in driving expert opinion in high stakes consumer lending litigation. Rachel has a Masters in Applied Economics from Johns Hopkins and a B.S. in Accounting and Economics from Nazareth College.

Rachel loves to spend her time outside of work being active. She is an avid runner, enjoys long bike rides, spending time at the beach, and playing with her daughter. Rachel’s hidden talent is her ability to crochet anything from scarves to blankets to stuffed animals!