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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

Onward to the 7th Century

(0) Comments | Posted June 16, 2014 | 10:10 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 | 8:53 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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Did AIPAC Punt for Obama's War? Embrace It or Wince?

(13) Comments | Posted September 7, 2013 | 3:42 AM

The American Israel Public Affairs Committee (AIPAC) publicly announced the other day that they were mobilizing their troops to back "Barack Obama's War" or BOW. I think it deserves an upgrade to buzzword and an acronym of its own to give it better "the buck stops here" imprimatur. He's so...

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Barack Obama: Yankee Imperialist?

(79) Comments | Posted September 5, 2013 | 7:07 PM

As the world continues to weigh in on President Obama's efforts to rally "allies" to his crusade to save al Qaeda from Bashar al-Assad, I thought I'd take a look at this from a somewhat different angle. Maybe this is American Manifest Destiny in the 21st Century. The Great White...

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How Will We Explain This Next Week?

(2) Comments | Posted September 3, 2013 | 8:16 AM

As President Obama uses the power of the White House this week to lobby to intervene in Syria, perhaps the nation needs to ask him to explain what is so important that the United States needs to aid al Qaeda to kill more people who do not believe in their...

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Reviewing the U.S. National Interest Over a Response to Syria

(19) Comments | Posted September 1, 2013 | 4:22 AM

I have no idea if anyone even bothers to write these anymore. But this is how it was supposed to be done when I was taught to do it. It's not tabloid news by any means. But sometimes some things are better presented this way.

Mission Element...

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Obama's "Limited War" Delusion

(32) Comments | Posted August 31, 2013 | 12:06 PM

"We're not considering any open ended commitment. We're not considering any boots on the ground approach," Obama said, according to White House pool reports.

Yes sir. But they are.

I fear President Obama is being ill advised by those counseling him that there is such a thing as a "limited"...

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Move Your Money Lives On; Teaching Bank Transparency

(2) Comments | Posted July 24, 2013 | 12:53 AM

There's movement again in banking. Profits roll in even as warnings are issued about lackluster lending. Dodd-Frank Act regulations kick in for the over $10 Billion asset size banks to begin more intrusive reporting compliance. Basel III capital adequacy and liquidity coverage requirements are expanding. The Honorable Senator Elizabeth Warren...

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Profiling, the Internet and the 'Frailties of Man'

(38) Comments | Posted July 20, 2013 | 8:44 PM

These are strange days indeed. If one reads this weekend's news, one gets the feeling that America is on the verge of a racial civil war. The buzz of the gossip that won't make it past the censors of either mainstream or social media is riots by August and the...

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Are Democrats Reinvigorating the Republican Party?

(296) Comments | Posted February 9, 2013 | 6:07 PM

With the Super Bowl over, last week's coast vs. coast game of gun control one-upping saw California Democrats announcing an effort to out do New York's midnight end run Safe Act. Flanked by the state's two urban figureheads, State Senate leadership says it will use its supermajority to ramrod a...

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Wayne LaPierre, Bill Clinton and Manning the Ramparts

(33) Comments | Posted December 22, 2012 | 12:31 PM

The acrimony of politics continues to get in the way of looking at public safety and mental health issues. That's not surprising. Christmas spirit -- yes I insist on calling it by its offensive religious overtone name -- seems to have deserted the United States this year giving way to...

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Reducing Gun Violence Must Ultimately Be a Partnership Between Government and Gun Owners

(28) Comments | Posted December 20, 2012 | 3:41 PM

Sometimes you have to step back from horror to look for solutions to it. In the United States, we have seen a pattern of violent behavior emerging for a number of years. It's become "common" enough that "active shooter" scenario training is now part of the annual cycle of training...

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Can the Private Sector's Large Depositors Revive the Economy?

(0) Comments | Posted October 29, 2012 | 5:00 PM

This is a shortened version of an article in the October 29, 2012 issue of The Institutional Risk Analyst where I comment on the risk implications of the secular increase in the bank deposit market that has occurred over the past five years. The original article, "Placement Considerations...

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On Blasphemy, Assimilation and Accommodation

(5) Comments | Posted September 27, 2012 | 5:35 PM

A long time ago when I first worked in strategic policy analysis I was given two things to read. The first was a copy of Getting To Yes, the guidebook used by President Carter during the Camp David negotiations that first brought Israel and Egypt to the bargaining table. The...

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On Sensitivity to Market Risk, Susceptibility and Vulnerability

(13) Comments | Posted June 29, 2012 | 5:59 PM

In this issue of The Institutional Risk Analyst, IRA CEO Dennis Santiago talks about the implications of the revelations about a rogue hedge fund operation at JPMorgan Chase.

It was a bit of a shock to me and many of our readers when the current trouble in JPMorgan's...

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FDIC Closures for the Week Ending June 8, 2012

(8) Comments | Posted June 8, 2012 | 9:31 PM

Earlier this week my company reported on our findings about the first quarter number of the banking industry. Our industry fact sheet indicates that banking is getting healthier. The number of F rated banks is at the lowest point since the start of the 2008 crisis. The FDIC's...

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Credit Unions Just Got a Little More Transparent

(27) Comments | Posted June 1, 2012 | 9:31 PM

In December 2009, my friend Arianna Huffington called with this idea to educate "ordinary" people about the financial system. At the time, I directed Institutional Risk Analytics to prepare and launch a pro bono zip code tool to search for best of breed small and mid-sized banks....

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FDIC Ends April 2012 Closing Five More Banks

(0) Comments | Posted April 27, 2012 | 10:19 PM

Like a wave of tornadoes touching down, the FDIC struck across the country on Friday shuttering five banks from coast to coast. The regulator took down Plantation Federal in Pawleys Island, South Carolina, Bank of the Eastern Shore of Cambridge and HarVest Bank of Maryland in Gaithersburg, Maryland, Inter Savings...

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Reviewing the Bidding About "Stand Your Ground"

(141) Comments | Posted April 27, 2012 | 1:41 PM

Recent high-profile current events have called into question legal statutes commonly known as "Stand Your Ground" laws. Sparked by a frenzy of media coverage of a shooting in Florida that is now thankfully winding its way through the real court system, pundits have engaged in weeks of knee jerk tabloid...

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Is Bank of America Working to Snatch Defeat From the Jaws of Victory?

(4) Comments | Posted April 26, 2012 | 3:41 PM

The Bank of America seems to have a knack for stepping on its own feet. The institution that continues to struggle with cleaning up a mortgage portfolio that includes the remnants of the acquisition of Countrywide has been at a disadvantage competing with better-positioned competitors in the performing loan accumulation...

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