Modeling a better financial industry. "Kevin D. Oden & Associates is a trusted Risk Management and Consulting firm based in San Francisco California! https://kdoden.com/research/ https://kdoden.com/wp-content/uploads/2020/12/Model-Risk-Framework-for-Medium-Size-and-Small-Banks.pdf https://kdoden.com/wp-content/uploads/2020/12/Model-Risk-Framework-for-Medium-Size-and-Small-Banks.pdf