Company Filing History:
2 out of 46 
1 out of 21 
1 out of 1 Years Active: 2010-2013
Title: The Innovations of Robert J. Fishman
Introduction
Robert J. Fishman is an accomplished inventor based in Olney, MD (US). He holds a total of four patents, showcasing his significant contributions to the field of financial technology and risk management. His work primarily focuses on developing systems that enhance credit structures and minimize regulatory capital reserve requirements for financial institutions.
Latest Patents
One of Fishman's latest patents is titled "Risk-based reference pool capital reducing systems and methods." This invention provides a credit enhancement structure for risk allocation between parties, which minimizes the impact of regulatory capital reserve requirements on institutions. The system involves rating a subject pool of assets, such as loans, to determine their risk levels. Based on these ratings, a guarantor party agrees to take on a portion of the associated risk, thereby defining the maximum risk exposure for the institution. The risk-rated capital reserve requirements are then applied to the asset pool according to the risk level rating and the guarantor's agreed-upon risk responsibility. This innovative approach allows institutions to hold a reduced amount of reserve capital compared to what would typically be required.
Career Highlights
Throughout his career, Robert J. Fishman has worked with notable organizations, including the Federal Home Loan Mortgage Corporation and Freddie Mac. His experience in these institutions has allowed him to develop and refine his innovative ideas in the financial sector.
Collaborations
Fishman has collaborated with esteemed colleagues such as Paul Alan Thomas and Clifford V. Rossi. Their combined expertise has contributed to the advancement of financial technologies and risk management strategies.
Conclusion
Robert J. Fishman's contributions to the field of financial technology through his innovative patents and collaborations have made a significant impact on how institutions manage risk and regulatory requirements. His work continues to influence the industry and pave the way for future advancements.