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Dennis Santiago
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Dennis Santiago is the Director of the Bank Monitor Division of Total Bank Solutions. He is the architect of the company's bank risk analytics system, TBS Bank Monitor. The product can be found on the internet at TBS acquired these bank analysis assets for Mr. Santiago's firm Lord, Whalen LLC in June 2013. Dennis continues to oversees risk analysis, ratings methodology development and institutional consulting services. LW LLC continues to separately operate a line of SEC filings catalog and analysis tools. Dennis holds a BSEE from the University of California at Irvine and an MBA from UCLA’s Anderson Graduate School of Management.

Dennis had been a global stability analyst even longer. He worked in the aerospace industry beginning in 1981 as a military operations research analyst with Rockwell International's North American Aircraft division specializing in national policy, global stability and war fighting strategy. He authored early research on the use of "imperfect defense architectures and technologies" for US missile defense and led research projects exploring the use of U.S. heavy bomber assets to support extreme range force projection operations.

Dennis transitioned to the finance industry in 1991. His appointments include serving as Vice President of Corporate Development for Data Broadcasting Corporation, now part of Interactive Data Corporation (NYSE:IDC), where Dennis developed products such as the BondVu fixed-income securities analysis system and the InSite market data terminal for Capital Management Sciences. Dennis was one of the founding team members of DBC’s venture. He also served as Chief Strategy Officer for Chicago-based Zacks Investment Research and was Chief Technology Officer of Houston-based Telescan, Inc. where he oversaw the support online systems for, Forbes, American Express (NYSE:AXP), and others.

You can follow Mr. Santago on Facebook at "Dennis Santiago" or on Twitter at "DennisSantiago".

Entries by Dennis Santiago

Reigniting the Cold War Under the Wings of an Angel; On Sec. Carter's Keynote Speech at the Reagan National Defense Forum

(0) Comments | Posted November 11, 2015 | 9:56 PM

I attended the Ronald Reagan National Defense Forum (RNDF) in Simi Valley on Saturday, November 7, 2015. This annual gathering of the leaders of national defense past and present is a one day post-graduate education on the current state of U.S. military policy. If one has the ear trained to...

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Creative Tax Legislation as a Way to Improve America's Public Safety, Gun Safety and Create Funds to Invest in Improving Mental Health Care

(0) Comments | Posted October 2, 2015 | 5:35 AM

When old ways stop working, it's time to explore new ones.

On October 1, 2015 following another active shooter incident in Oregon, President Obama called for legislation and politics. Something to break the status quo that has made what should be rare incidents "routine". So what kind of gun legislation...

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California's SB 707: Gun Control vs. the Equal Protection Clause of the 14th Amendment

(37) Comments | Posted September 11, 2015 | 11:26 AM

Bryant: "Stop right where you are! You know the score, pal. You're not cop, you're little people." - Blade Runner, 1982

It's been quite the summer for Section 1 of the 14th Amendment to the United States Constitution also known as the Equal Protection Clause. It states,

"All persons born...

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Open Prison America: L.A.'s Bizarre Safe Storage Rule Means Cops Will Have to Deal with More Armed Homeowners Seeking to Avoid Committing a Misdemeanor

(6) Comments | Posted August 7, 2015 | 12:06 PM


"You know how it is Decker. If you're not cop, you're little people." - Blade Runner

Laws have the weirdest consequences that their proponents somehow seem to never think through. The City of Los Angeles is drafting a safe storage...

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Enola Gay

(0) Comments | Posted August 6, 2015 | 2:41 PM


Wars have always been caused by political miscalculations that required the slaughter of innocents to remedy. The pity is that we remain ambivalent as we make the same political miscalculations again and again. The meek shall perish yet again because we've learned too...

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Does America Need a Trump Card in the Middle East?

(1) Comments | Posted July 14, 2015 | 12:39 AM

The Middle East is a complex region with overlapping interests. Maintaining what the global stability community calls "hill and valley" power on an even footing requires the constant application of nation-state "tough love." To lead the quest for what's right, you need solid core principles dedicated to the importance of...

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Open Prison California: Is Sacramento Making Another Mistake?

(0) Comments | Posted July 13, 2015 | 10:36 PM

Crime statistics are up again in California. After years of improvement, the average citizen's risk of being a victim of crime is once again on the rise. We are no longer safer today than we were yesterday in the Golden State. Sociologists studying things like the release of non-violent felons...

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America's Unwanted Young Men

(0) Comments | Posted June 19, 2015 | 4:29 PM

I've been watching a sad tale of prejudice and hate. It started years ago in a place called Columbine. Two misfits named Eric Harris and Dylan Klebold started the United States down a path that would destroy this country's tolerance for what used to be called "boys will be boys."...

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Can Big Data Subdue Big Government?

(0) Comments | Posted May 14, 2015 | 11:54 PM

Asymmetric approaches to improving government transparency and accountability.

U.S. politics is a frustrating maze. We sense sinister forces at work to gain undue influence and advantage within it but it's so very hard to find and expose. At best, acting upon discoveries happens years after damage has been...

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2016: Can America Defeat Big Money?

(13) Comments | Posted May 7, 2015 | 11:58 PM

It's finally primary season and what an odd landscape we are seeing as it begins. On one side we have a classic free for all with lots of Republican hats bobbing in the ring. On the other we have one Democrat surrounded by the eerie silence of solitude of no...

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Executive Order M855

(0) Comments | Posted February 27, 2015 | 8:20 PM

The proposed BATFE action will have little technical impact on the practical protection for police officers and mostly threatens to strengthen the hand of the gun lobby in the upcoming election cycle.

As the 2016 election cycle begins, one hopes that issues such as the nation's continued struggle...

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The Tapestry of December 7th

(0) Comments | Posted December 7, 2014 | 1:06 PM

It's been 73 years since the Day of Infamy. So many of the people that lived it are now gone. But their echoes and the lessons they impart to our lives continue.

When I think of December 7, I remember it is the day my elders began the most...

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The Not So Feng Shui of Guns in California

(13) Comments | Posted November 14, 2014 | 9:15 PM

California is a bizarre landscape when it comes to guns. With the approval of Proposition 47's broad swath of reducing penalties for crimes, it's now a mere misdemeanor to possess a stolen gun. On the other side of the coin, Attorney General Kamala Harris' last-minute attempt in the...

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Solar Storms: What You Need to Ask Your Power Company

(5) Comments | Posted September 13, 2014 | 7:48 AM

Earlier this week, two solar flares aimed in earth's direction erupted on the sun. What a spectacular picture from NASA has been making the rounds of the Internet; it's literally the muzzle flash of a stellar particle beam cannon looking right at us. Angling slightly above our planet's orbit, a...

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Guns in America: Will We Ever Get Beyond Knee Jerk Lawmaking?

(0) Comments | Posted September 4, 2014 | 12:01 PM

Despite how it's played up in the media, public safety is a universal societal good that all people have more in common on than the divisiveness lobbyists and pundits care to admit. What's important for all citizens to concern themselves with when looking at proposed legislation is whether or not...

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It's Time to Remember That We Fought World War II to Stop Evil

(0) Comments | Posted August 8, 2014 | 4:51 PM

I am heartbroken witnessing the news and images of the pure evil being perpetrated in Iraq. These animals are beheading little children. This is an evil so reviling one must reach into history to find examples of such atrocity. It is a call to all of humanity to do something.

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Guns in America: What's Up with Domestic Violence in the Senate?

(0) Comments | Posted July 31, 2014 | 2:54 PM

I do not like domestic abusers. Not one little bit. I have evolved well past gender bias about whom I disdain. I do not like male abusers nor do I much care for female ones. I have been glad that for many years U.S. Federal law already restricts access to...

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Guns in America: Why I Think It's Time for California to Stop Fighting Peruta vs. San Diego

(0) Comments | Posted July 28, 2014 | 9:12 PM

On Thursday, July 24, 2014, Judge Frederick J. Scullin, Jr. issued a Summary Judgment Order affirming that the 2nd Amendment confers a right to "bear arms" outside the home. The order was nothing short of devastating to the District of Columbia which has been resisting and delaying compliance with legal...

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Onward to the 7th Century

(0) Comments | Posted June 16, 2014 | 11:10 PM

The history of the Middle East is a tapestry of zealots and empires worthy of novels. We are seeing the next chapter of what global stability analysts call "hill and valley" power begin to emerge. The "Coalition of the Willing" crusaders are receding once more. Our meddlesome experiments imposing plural...

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Time Changes; Are You Man Enough For It?

(0) Comments | Posted November 6, 2013 | 9:53 PM

The end of daylight savings time gives us an hour. What can we do with that hour? I recently started a blog where I use an old manual typewriter to capture my musings. Here's what I used my hour for.


The muse is...

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