Much of the securitization took the form of collateralized debt obligations (CDOs) with senior credit tranches certified by rating agencies as AAA. It was the failure to properly price such risky assets that characterized the crisis.
"The Age of Turbulence: Adventures in a New World", alan greenspan

Our story

We started Two Dots based on the antipication that software would shortly evolve to solve many of the longstanding problems we dealt with personally, early in our careers at Goldman Sachs and Blend.

We’re obsessed with using unstructured data integration to translate micro realities into macro capital allocation. The current consumer financial system both ignores fraud and good bets that don't fit in their box, and the solution isn't a better law of large numbers model or laundering credit risk through boosted trees or myopic time series regression models. It takes understanding profiles in detail to improve the system.

We're implementers, not researchers, but these problems have been festering for a long time and are well-studied in credit risk modeling and HCI literature. Interaction with consumers is required to discover the information needed to make the system better, and we aim to do that at scale.

Our team is based in San Francisco, CA, and brings a wealth of experience from technology, financial services, and academia.

Henson Orser, CEO and Co-founder of TwoDots
CEO & Co-founder
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Henson Orser
Max Ponte, CFO and Co-founder of TwoDots
CTO & Co-founder
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Max Ponte

The door's open.

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