OGMA is a risk management, analytics, and consumer credit insights consulting organization founded by Matthew Komos. With over 25 years of risk management and analytics experience working in and consulting with some of the largest lending institutions in the world, (including HSBC, Chase, Citibank, Bank of America, Wells Fargo, U.S. Bank, Countrywide, 5th/3rd, M & T, Toyota Motor Finance, and many other large and small institutions), Mr. Komos brings the experience and expertise required to provide custom assistance that you and your business need to meet all your risk needs. Matthew spent the early part of his career at Household International (now HSBC) in the Consumer Lending Group, developing credit policy, acquisition and account management strategies, assisting in scorecard validation and implementation, and eventually onto the score development team. Over the next 20+ years, Matthew was fully immersed in the start-up and corporate worlds. In 2006, Matthew was a co-founder of Zelcom Group, acting as SVP of Analytics and Modeling. In this role he was responsible for new client and business development, managing statisticians in various locations, model and strategy development for risk and marketing applications, and project management and delivery. Zelcom became part of Quatrro Risk Management, an international risk management consultancy firm where Matthew was the VP of Analytics for the Americas while serving a similar role at Zelcom Group, with a larger staff in India and Singapore working on projects in America as well as Mexico and Colombia.

In 2012, Matthew joined former colleagues and co-founded a FinTech lender in the small dollar lending space. The mission of the company was to target consumers in payday debt and consolidate their debt and lengthen the term, thereby creating a more beneficial cashflow position for the consumer. As the acting Chief Risk Officer, Matthew developed the 1st through 3rd generation underwriting models and systems, stood up the CRM, lending, and collections systems, developed the full suite of MIS and reporting, and oversaw the overall operations of the business. In parallel, Matthew also formed a risk consulting practice, and was instrumental in establishing or enhancing the risk management practices of various start-up and well-established organizations.

Between start-ups, Matthew spent a total of 11 years at TransUnion, serving in various statistical analytic consulting roles as well as Executive roles. Early on, he delivered custom risk and analytic solutions to clients of TransUnion. Later, he served as the head of U.S. Financial Services Research and Consulting, driving thought leadership, and focused on providing insights and exploring emerging trends in consumer credit. Finally, before leaving TransUnion to found OGMA, he led Scores and Attributes for U.S. Credit Solutions, where he was charged with product ownership, new product development, and the overall lifecycle management of all credit risk scores and attributes in the U.S.

Matthew earned a BA in Economics with Mathematics minor from the University of Illinois at Champaign-Urbana and a MS in Applied Statistics from DePaul University. He also teaches Statistics and Economics at the graduate and undergraduate levels at various national institutions.