Having worked with Bill, I found him to be an outstanding quantitative analyst and an effective communicator. Bill goes beyond the applying the appropriate quantitative techniques in addressing issues, with an ability to see a more comprehensive picture. Bill complements his technical and analytical skills with a friendly, easy-going style that makes him a pleasure to work with.
— Jan Luytjes, Risk Analytics Consultant
When you have known someone professionally for a long number of years, through numerous roles, position seniority and companies, it’s hard to remain unaware of such person’s qualities. I had a pleasure and an honor of knowing Bill that way. First, while I managed ALM and Market Risk for FHLBBoston and Bill came in as a regulator - an inquisitive, diligent and stern at times, but remarkably fair, ready to listen and when argued, doing that from the position of knowledge rather than supervisory hierarchy. From that point on, I found an intellectually curious, quantitatively well versed, industry savvy professional, with whom I could debate, share and invariably enrich my train of thought.
The same continued as our paths crossed again working for Fannie Mae, where Bill enjoyed a well earned respect of colleagues, who knew quite a lot about mortgages, their variations, features, analytics. Bill made an impression there with his work on performance analysis. Having accumulated superb knowledge of mortgage, market, valuation and modeling domains, Bill risked it becoming an enterprising expert, providing consulting services, which unsurprisingly were quite in demand.
Throughout all the professional evolution, we stayed in touch and respect, appreciation of character and skill that I acquired early on for Bill only grew stronger. Needless to say, the old-fashioned qualities of punctuality, reliability and can-do attitude are there by default. I am quite certain that my impression of Bill’s professionalism isn’t unique to me. We have a decent number of mutual professional acquaintances and not once have I heard anything even slightly critical of Bill. That’s a high bar for anyone to clear.
— Boris Deychman, Chief Model Risk Officer, The Depository Trust & Clearing Corporation (DTCC)
It is with great pleasure that I write this letter of recommendation for William (Bill) Segal. Bill is an impressive professional with well developed risk management skills built on a foundation of great character and personality. He possesses a good blend of abilities, skills and knowledge to enable him to function effectively in any environment geared towards improving analytics and processes. When completing his projects Bill is committed to his goals and expresses this commitment trough a high degree of optimism. Throughout all his activities he shows great leadership abilities that actually demand commitment to, and demonstration of, superior ethical values. Bill consistently keeps up with new trends in the industry and applies these new practices to his everyday work. He has a thorough understanding of the skills required to perform his job well. He also has an innate ability to think of various types of methods of improvement and to skillfully move around obstacles as they present themselves. Bill can quickly build positive relationships with people and understands how to relate to them.. He has been, and is working on continuously improving his already superb knowledge and skills in the areas of computer software, applications and models, communications, financial modeling, project management, time management and teamwork.
— Stefan Szilagyi, Model Risk Examination Manager, Federal Housing Finance Agency
Bill in his quantitative model validation role brought intelligence, significant market and industry experience and most importantly a thoughtful and pragmatic approach for effective challenge to improve my modeling and data management.
— Jeff Kuzbel, Managing Vice President, Treasury/Balance Sheet Management CFO, Capital One

Bill is a very astute risk professional, always a few steps ahead of most of his peers in the market. He is an original thinker, a very high energy leader with a true passion and love for research and delivering results. Bill is an excellent mentor and nurtures his team members with care on a very fast paced path of learning and growth. He is compassionate and has an excellent sense of humor. He is full of positive energy and has a way of inspiring people around him to deliver their best.
— Sanjukta Mitra, Risk Officer, World Bank CRO
Bill Segal brings subject matter expertise, responsiveness and resourcefulness in meeting client needs. He is able to quickly and accurately identify key model risks, not only with regard to theoretical underpinnings, but also related to model use, performance and implementation. Bill is highly effective in bringing together key stakeholders and building consensus.
— Nimit Sharma, Vice President, Head of Innovation, Data & Models - Credit Review at Capital One

Bill brings an exceptional level of insight based on a deep understanding of the business processes across multiple risk disciplines in which models are embedded. He can quickly get on top of key technical details, focusing his attention on the areas where the likelihood and severity of model risk and model failure are greatest. He brings together and integrates perspectives from model stakeholders across all three lines of defense. His work products serve as a clear point of reference for any action steps that are needed.
— Risk Management Leader, Secondary Mortgage Market