Built by risk practitioners, not enterprise software architects.

Simone has 12+ years in consumer credit risk modeling, spanning early-stage scorecard development through SR 11-7 model validation programs. She started her career in credit policy at a top-25 US bank credit policy team, where she spent four years building and tuning behavioral scorecards for revolving consumer credit — FICO floor analysis, KS statistic benchmarking, and the Population Stability Index work that accompanied every quarterly model review cycle. From there she moved into model risk validation at a regional consumer lender running ~$700M in installment assets, where she managed the MRM documentation process for two full scorecard generations, including one champion-challenger validation that ran 14 months from initial shadow deployment to board approval.

The last role before founding Prism Layer was Head of Credit Risk Analytics at Cornerstone Lending Group, a Midwest-based consumer installment lender. There she ran a team of three analysts trying to operate a rules engine, a vendor ML scorecard, and a disparate-impact monitoring process across three different systems with no common audit trail. When the CFPB exam came, producing the adverse action documentation required a manual extraction process that took two analysts five days. She started building the first version of what became Prism Layer the following Monday.

She founded Prism Layer in Chicago in 2024 with one design constraint: every decision the engine produces must be explainable in language the applicant understands, the Reg B adverse action notice can carry, and the model risk committee can validate. The decision engine is not finished until those three outputs exist in the same record. Prism Layer does not replace your FICO or VantageScore bureau pulls — it adds the decision orchestration and documentation layer between the bureau response and the adverse action notice that those scores have never included.