Carl Hyndman is the founder of the company. He has over 30 years of experience as an international banker, banking regulator, consultant and software developer.  He is a frequent speaker on risk management and credit related banking issues and has published numerous articles on banking and risk.  In addition, he has developed and implemented risk management software for community banks. 

Mr. Hyndman began his banking career with Citibank and was posted to Bahrain, Saudi Arabia, New York and New Jersey.  He specialized in international banking, middle market lending, corporate finance and leveraged lending.  He also was a chief negotiator for settlement of bank claims between US Banks and Iran. In addition to banking experience, Mr. Hyndman has seven years of bank consulting experience and eight years of regulatory experience with the Comptroller of the Currency and the Federal Reserve Bank of San Francisco.  

Mr. Hyndman received an MBA degree from the University of California, Berkeley, and holds Bachelors and Masters Degrees from Columbia University.