JT Richardson

I came to credit risk the same way a lot of math nerds do, by discovering that the problems were actually interesting. There's a puzzle at the center of every credit decision: incomplete information, competing objectives, and real consequences on both sides of the equation. Twenty years in, I still find it genuinely engaging.

My career has taken me from Irving to Düsseldorf to Johannesburg and back to the Pacific Northwest, working across retail banking, global consulting, and regulatory compliance. Along the way I've built models, rebuilt broken ones, led teams through regulatory examinations, and designed testing frameworks that changed how clients think about risk. The throughline has always been the same — find the real problem, build something rigorous, make it work in production.

George Kaplan Analytics is how I work now. The name is a nod to my favorite Hitchcock film — a placeholder identity that took on a life of its own. The work is serious; the name is a small reminder not to take everything too seriously.

When I'm not in the data, I'm ideally walking with my favorite “colleague”, Luka, on a field playing ultimate frisbee, on a paddleboard, or hunting down street art in whatever city I happen to be in.

The Founder