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Jake Fowler

CECL Readiness: Putting the Puzzle Together



Cristian deRitis, PhD, senior director at Moody’s Analytics

Amy Graybill, Vice President of Product Innovation and Management, Equifax, Inc.

Vishal Puri, Senior Director of Product Management, Equifax, Inc.


With current expected credit loss (CECL) implementation deadlines looming, many financial institutions find themselves still piecing the puzzle together. Whether you are looking to analyze data gaps, build models, ensure platform support or develop governance processes, there are many factors to consider in your CECL journey. Join Equifax and Moody’s Analytics as we explore what is needed to help get your organization CECL ready.


  1. Requirements of CECL
  2. Levels of CECL readiness
  3. Key considerations for retail portfolios
  4. Putting the puzzle together – Data, Model, Platform, Governance


  1. Understand impending regulatory changes
  2. Better assess your CECL readiness
  3. Understand potential issues and nuances for retail portfolios 

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Cris deRitis

Senior Director, Moody's Analytics

Cristian de Ritis is a senior director at Moody’s Analytics where he conducts economic analysis and develops econometric models for a variety of clients.  His regular analysis and commentary on consumer credit, housing and the broader economy appear on the firm’s web site. He is regularly quoted in publications such as the Wall Street Journal for his views on the economy and consumer credit markets.   Dr. de Ritis also gives frequent presentations on the state of the economy and credit markets to a wide variety of audiences.

 Before joining the Moody’s Analytics West Chester PA operation, Cristian worked for Fannie Mae and taught at Johns Hopkins University. He received his PhD in economics from Johns Hopkins University for his work on the relationship between income inequality and technological change.  He is named on two US patents related to credit modeling techniques.

Amy Graybill

Vice President, USIS Strategic Initiatives

Amy Graybill has been with Equifax since April 2007 and currently serves as the Head of Innovation Design & Orchestration leading a team responsible for partnering with customers and partners focused on co-innovation through advanced analytics, digital capabilities and ecosystems.  Prior to this role Amy was the leader of Product Management, Enterprise Insights and Core Data responsible for new and existing products that support Equifax’s vision to be a global insights leader: the Equifax Ignite™ solution suite, trended data solutions, and commercializing our innovation around attributes, scores and data including next-gen risk modeling techniques. Prior to joining Equifax, Amy working in the Risk Management field for over 10 years specializing in Fraud Strategies, Loss Forecasting and overall Risk Management Strategies

Vishal Puri

Senior Director of Product Management, Equifax, Inc.

Vishal Puri joined the Equifax product team in February 2018 and supports the Mortgage vertical. He is responsible for managing an existing portfolio of mortgage digital products and driving new product innovation. Vishal has extensive experience in the banking industry across consumer and commercial banking in product, risk management, and loss forecasting roles. In his prior roles, he has been responsible for developing product strategy, launching digital products, and leading bank digital transformation efforts. 

Prior to joining Equifax, Vishal worked in the banking industry leading digital product management at Capital One Bank and JPMorgan Chase. He is named inventor on multiple US patent applications related to P2P payment and technology for switching checking accounts.

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