Who We Are
Expertise, Intuition and Clarity
Our Story
Raise the Bar Analytics was launched in 2025 to support providers of consumer financial services with analytical support for regulatory compliance and risk management. We combine expertise in data analysis and quantitative risk modeling with experience in banking regulation to provide intuitive and robust analysis.
What Sets Us Apart
We emphasize innovative intuitive solutions, developed with analytical precision and clarity, that clients can readily grasp and leverage. Our tailored services drive real results.
Meet Our Team:
Dr. Paul Calem – Founder & CEO
Industry Expert
Paul Calem, with a Ph.D. in economics from Brown University and a BA in mathematics from Duke University, brings depth of knowledge of banking regulation and household finance from prior roles at the Bank Policy Institute and in the Federal Reserve System. He is a leading authоrity in household credit risk modeling and consumer financial regulation with an extensive publication record.
Andrew Calem-Mandujano – General Manager & Data Scientist
Driving Innovation with Data
Andrew received his BA in music performance from Penn State University and is a certified Python programmer. He leads our data science initiatives, helping to ensure that Raise the Bar Analytics remains at the forefront of analytical precision and clarity. He plays guitar and studies foreign languages in his spare time. He plans to re-attend university to study law and criminal justice, and eventually become a prosecutor..
