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      <image:title>Leadership</image:title>
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      <image:title>Ipso Facto</image:title>
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      <image:title>Contact</image:title>
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    <lastmod>2021-12-31</lastmod>
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      <image:title>Testimonials</image:title>
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    <loc>https://www.ipsofacto.solutions/people1</loc>
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    <lastmod>2026-05-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5936573b6b8f5bd45d0fe04c/1496736492982-P6QJ9J0LW1O5S6I6092W/bgback2.jpg</image:loc>
      <image:title>People</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5936573b6b8f5bd45d0fe04c/1544060827487-CCOXIGJ6N670QA613R87/WILLIAM_0802_HR_bw.jpg</image:loc>
      <image:title>People - Dr. William Segal, CFA</image:title>
      <image:caption>William Segal is Founder and CEO at Ipso Facto Solutions. With more than 30 years of industry, academic, and regulatory experience at firms including Fannie Mae and Capital One, as well as federal financial regulatory agencies, he has developed, used, and validated a broad range of advanced models using machine learning and explainable AI techniques. counterparty risk, and financial crime risk. His principal value-adds are in the areas of subject matter expertise and technology leadership. Dr. Segal holds a BA from Harvard and a PhD from Berkeley.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5936573b6b8f5bd45d0fe04c/d7c8ecc8-cd6b-4f7f-a1ed-cf9fc94daa34/StefanPicB%26W.jpg</image:loc>
      <image:title>People - Stefan Szilagyi, Managing Director</image:title>
      <image:caption>Stefan Szilagyi offers expertise in market risk, model development, capital markets, model validations, financial modeling, CCAR and DFAST, credit risk, operational risk, and climate change modeling.  Prior roles include serving Director of Valuation and Risk Metrics Control at Freddie Mac, and Senior Financial Specialist at FISERV - IPS-Sendero. In these roles, he developed risk management systems, optimized funding and hedging strategies, and led operational risk management initiatives. As the Examinations Manager for Risk Modeling at the Federal Housing Finance Agency, he led model risk examinations, interest rate risk modeling, and performance evaluations, he has a strong background in managing complex risk modeling projects and producing comprehensive market risk reports.  Stefan holds a Master's in Financial Economics and is a member of the Global Association of Risk Professionals (GARP).  He has published several articles on risk management and financial modeling.</image:caption>
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      <image:title>People - Judy Zhu</image:title>
      <image:caption>Jiayi (Judy) Zhu is a Risk Modeling and Data Analyst at Ipso Facto Solutions, where she supports analytical and advisory work across financial modeling, data analytics, and risk management. Her experience spans investment banking and quantitative finance, with exposure to large-scale financial data processing and model-driven decision support. She is proficient in programming, particularly in  Python, R, and SQL, with strong expertise in statistical analysis and time-series modeling applied to financial risk analytics. Judy holds dual Bachelor’s degrees in Statistics and Economics from the University of California, San Diego, and is currently pursuing a Master’s degree in Financial Engineering at New York University.</image:caption>
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    <image:image>
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      <image:title>People - Rosalyn Zhang</image:title>
      <image:caption>Rosalyn Zhang is a quantitative analyst with a strong foundation in financial data systems, analytical modeling, and large-scale computing environments. She has technical expertise in Python, SQL Server, PostgreSQL, MySQL, Spark, and Stata, with experience developing structured data architectures and scalable modeling pipelines for high-volume financial datasets. Her work emphasizes robust database design, efficient data processing, and disciplined model development frameworks that support rigorous risk analysis and performance evaluation. She has also leveraged high-performance computing environments to execute parallelized data and modeling workflows, enhancing scalability and computational efficiency. Rosalyn’s analytical focus includes statistical modeling, machine learning–driven analytics, and quantitative risk assessment within production-oriented systems. She is currently pursuing a Master of Science in Financial Engineering at New York University.</image:caption>
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      <image:title>People - Isaac Segal, CISO</image:title>
      <image:caption>Isaac Segal is Chief Information Security Officer at Ipso Facto Solutions, offering experience with systems administration, IT solutions, and cybersecurity. Isaac is a certified AWS Cloud Practitioner, and has extensive experience in managing both physical and cloud infrastructure.</image:caption>
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      <image:title>People - Nach Periyanan</image:title>
      <image:caption>Nach Periyanan is an experienced solutions architect who has led software development projects involving data warehouses, extract/transform/load functionality, business intelligence reporting, data governance, and automated data validation. Mr. Periyanan has built over a dozen large data warehouses, coded using C, .NET, Python, Fortran, Assembly and numerous scripts, transformed data using Informatica, DataStage, Pervasive, SSIS, Ab Initio and plain old scripts. His data lake/database experience includes Hadoop, Hive, Spark, Oracle, SQL Server, Redbrick, Teradata, Netezza, DB2, PostGres and Informix. Rounding out his experience are Unix/Windows admin, database admin and network admin. He adds deep domain perspective and context based on 20 years of experience at companies including Fannie Mae, Freddie Mac, Department of Treasury, Verizon, and BlueCross. Nach holds a Bachelors degree in Electrical Engineering from the University of Maryland, College Park with Honors.</image:caption>
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  <url>
    <loc>https://www.ipsofacto.solutions/work-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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  <url>
    <loc>https://www.ipsofacto.solutions/new-page-1</loc>
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    <lastmod>2017-06-06</lastmod>
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  <url>
    <loc>https://www.ipsofacto.solutions/intro-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Intro</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5310cef7e4b08602cbfa36bf/1412380936909-3NDYSVN9D7FZDQHHCO0P/image-asset.jpeg</image:loc>
      <image:title>Intro - RESIDENTIAL</image:title>
      <image:caption>Add a description of your services here. Cum sociis natoque penatibus et magnis dolor sit amet. Natoque penatibus et. Cras justo odio, dapibus ac facilisis in, egestas eget quam.</image:caption>
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      <image:title>Intro - COMMERCIAL</image:title>
      <image:caption>Add a description of your services here. Cras mattis consectetur purus sit amet fermentum. Justo odio, dapibus ac facilisis. Cum sociis natoque penatibus et magnis dolor sit amet.</image:caption>
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      <image:title>Intro - HOSPITALITY</image:title>
      <image:caption>Add a description of your services here. Penatibus et magnis natoque penatibus. Vivamus sagittis lacus vel penatibus augue laoreet rutrum faucibus dolor auctor.</image:caption>
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  <url>
    <loc>https://www.ipsofacto.solutions/moreau-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Moreau - Transient</image:title>
    </image:image>
    <image:image>
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      <image:title>Moreau</image:title>
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    <image:image>
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      <image:title>Moreau</image:title>
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      <image:title>Moreau</image:title>
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  <url>
    <loc>https://www.ipsofacto.solutions/flatiron-forum-hayden</loc>
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    <priority>0.75</priority>
    <lastmod>2025-04-23</lastmod>
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      <image:title>Pacific Tavern - Transient</image:title>
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      <image:title>Pacific Tavern</image:title>
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      <image:title>Pacific Tavern</image:title>
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      <image:title>Pacific Tavern</image:title>
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    <loc>https://www.ipsofacto.solutions/team-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Team - Transient</image:title>
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      <image:title>Team - Jared Gordon</image:title>
      <image:caption>Partner, Architecture</image:caption>
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      <image:title>Team - Tessa Cortes</image:title>
      <image:caption>Partner, Operations</image:caption>
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    <image:image>
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      <image:title>Team - Mikael Lindberg</image:title>
      <image:caption>Partner, Design</image:caption>
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  <url>
    <loc>https://www.ipsofacto.solutions/el-panamericano-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>El Panamericano</image:title>
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      <image:title>El Panamericano</image:title>
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      <image:title>El Panamericano</image:title>
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      <image:title>El Panamericano</image:title>
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      <image:title>El Panamericano</image:title>
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    <loc>https://www.ipsofacto.solutions/careers-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Careers</image:title>
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    <loc>https://www.ipsofacto.solutions/sodermalm-house-hayden</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Södermalm House</image:title>
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      <image:title>Södermalm House</image:title>
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      <image:title>Södermalm House</image:title>
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      <image:title>Södermalm House</image:title>
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      <image:title>Södermalm House</image:title>
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