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Fearless: Learning risk management by playing a game
I’ve long considered backgammon one of my greatest teachers in risk management. The game, deceptively simple on the surface, serves as a...
Jeff Hulett
Feb 165 min read
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Banking on Insight: Lessons from Agent-Based Modeling in Auto Lending
Agent-Based Modeling (ABM) is a powerful simulation capability for analyzing the behavior of individual agents, their interactions within...
Jeff Hulett
Nov 24, 202423 min read
212 views
1 comment


When Well-Intentioned Incentives Go Bad: A ‘you get what you pay for’ risk management case study
How did Wells Wargo lose $3 billion and a sterling reputation? What are the nuances between good risk governance and organizational...
Jeff Hulett
Jan 19, 20237 min read
84 views
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The Road To Absurdistan: Student lending psychology and bizarre incentives
This imaginary home financing narrative takes place in an alternate world called “Absurdistan.” This story helps relate the hidden...
Jeff Hulett
Oct 13, 20213 min read
188 views
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9/11 - how bankers beat terrorists
We were determined not to let the bastards beat us. We dug deep into our kind and resilient human nature.
Jeff Hulett
Sep 14, 20212 min read
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Resolving Lending Bias - a proposal to improve credit decisions with more accurate credit data
Don’t blame the algorithm for our past mistakes…. fix the mistakes as found in the data of our past reality.
Jeff Hulett
Sep 7, 202116 min read
492 views
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The Stoic’s Arbitrage: A survival guide for modern consumer financial services products
Consumer finance products help us reach our life goals. These same products, not used correctly, may inflict significant long term damage.
Jeff Hulett
Dec 20, 202026 min read
602 views
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How to make money in Student Lending
The experience gave me the very real sense of what it means to have skin in the game.
Jeff Hulett
Nov 17, 20206 min read
20 views
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