David Kevin Horne

Title: David Kevin Horne: Innovator in Risk Management Systems

Introduction

David Kevin Horne is an accomplished inventor based in Arlington, VA (US). He holds 2 patents that focus on innovative systems and methods for risk management in financial institutions. His work has significantly contributed to the field of credit enhancement and risk allocation.

Latest Patents

Horne's latest patents include "Risk-based reference pool capital reducing systems and methods." This invention provides a credit enhancement structure for risk allocation between parties, minimizing the regulatory capital reserve requirement impact on institutions. The system involves rating a subject pool of assets, such as loans, to determine risk levels. A guarantor party agrees to take on a portion of the risk, allowing the institution to hold a reduced amount of reserve capital. Another notable patent is "Reference pools as credit enhancements," which hedges risk related to separate pools of loan investments. This system monitors performance indicators for both a Reference Pool and a Subject Pool of loans, calculating payments based on performance differences.

Career Highlights

Throughout his career, David Kevin Horne has worked with prominent organizations such as Freddie Mac and the Federal Home Loan Mortgage Corporation. His experience in these institutions has provided him with valuable insights into the financial sector and risk management.

Collaborations

Horne has collaborated with notable professionals in his field, including Henry James Cassidy and Tyler Taile Yang. These partnerships have further enriched his work and contributed to the development of innovative solutions in risk management.

Conclusion

David Kevin Horne is a significant figure in the realm of risk management innovations. His patents and career achievements reflect his dedication to enhancing financial systems and reducing risk for institutions.