Spero Risk Associates (SRA) advises and consults in risk management; quantitative analysis; validation; and modeling, especially loss forecasting--both stress-testing and CECL. SRA is led by a team of former risk management executives, who are subject matter experts spanning almost all areas of risk management—especially credit, market, strategic, and model risk–as well as modeling, CECL, CCAR, stress testing, data governance, and scenario analysis. Learn more at sperorisk.com.