Daniel Parry
- Co-founder and CEO, TruDecision Inc.
- Writer, Non-Prime Times
Dallas, Fort Worth
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Articles by Daniel Parry
Building an Effective Risk Team: Part II – Robust Forecasting
A comprehensive risk management team should possess expertise across several distinct but interconnected disciplines: Statistical and predictive modeling Loss forecasting Pricing and credit program optimization Collections optimization and portfolio management Economic and industry analytics The first article in this series on building effective risk teams focused on developing strong analytics, which involves far more than hiring quant-types who happen to have the addresses of large lenders...
Naval Research Lab Tactical Electronic Warfare Superintendent Retires [Image 2 of 2]
9 U.S. Naval Research Laboratory Dr. Francis J. Klemm as the Vehicle Research Section Head of the Offboard Countermeasures Branch in the late 70’s or early 1980’s time frame. At this time, he was responsible for the development of decoy vehicles for the branch and subject matter expert for the international Nulka program with experience in the payload, vehicle, and the tactical usage.
From Sketch Pad to Launch Pad: U.S. Naval Research Laboratory’s Space Robotics Revolution [Image 6 of 7]
9 The Smithsonian Imaging Test is part of a larger Phoenix mission risk reduction effort. Flight traceable instruments, including visible light cameras, stereo cameras, LIDAR, and Flash LIDAR, were used to gather images and 3D point clouds of satellite targets similar to those the Phoenix mission may service on orbit. This data is being used to evaluate sensor performance, validate sensor requirements, and to develop machine vision algorithms.
From Sketch Pad to Launch Pad: U.S. Naval Research Laboratory’s Space Robotics Revolution [Image 5 of 7]
9 Phoenix undergoes tool testing at U.S. Naval Research Laboratory (NRL) headquarters in Washington, D.C., Aug. 14, 2012. (U.S. Navy historical photo) Date Taken: 07.16.2026 Date Posted: 07.16.2026 11:47 Photo ID: 9814077 VIRIN: 120814-N-NO204-1002 Resolution: 591x319 Size: 78.94 KB Location: WASHINGTON, DISTRICT OF COLUMBIA, US Web Views: 0 Downloads: 0 PUBLIC DOMAIN GALLERY
From Sketch Pad to Launch Pad: U.S. Naval Research Laboratory’s Space Robotics Revolution [Image 7 of 7]
9 The Space Physics Simulation chamber. A large vacuum chamber that can recreate plasma conditions in space to study basic plasma physics phenomena and test hardware operation in a simulated environment before flight. (U.S. Navy photo) Date Taken: 07.16.2026 Date Posted: 07.16.2026 11:47 Photo ID: 9814082 VIRIN: 260416-N-NO204-1005 Resolution: 1430x955 Size: 511.46 KB Location: WASHINGTON, DISTRICT OF COLUMBIA, US Web Views: 1 Downloads: 0 PUBLIC DOMAIN GALLERY
Naval Research Lab Chemist Receives Krupshaw Award, Inducted as Washington Academy of Sciences Fellow [Image 3 of 3]
9 U.S. Naval Research Laboratory (NRL) Chemist Darryl Boyd, Ph.D., received the Washington Academy of Sciences Krupshaw Award for Non-Traditional Teaching during an awards ceremony held at the Center for Naval Analysis in Arlington, Virginia, May 7, 2026, for his extensive and comprehensive efforts as a science teacher, mentor and Science, Technology, Engineering, and Math (STEM) advocate in the Washington, D.C., metro area.
TruDecision and FUSE Announce Strategic Partnership to Advance Intelligent Lending Automation
Irving, TX, June 23, 2026 --(PR.com)-- TruDecision Inc., a leading provider of credit risk analytics and decisioning solutions, today announced a strategic partnership with FUSE, a modern loan origination platform designed to provide lenders with the flexibility and configurability needed to compete in an evolving lending marketplace.
Joint Service Program Delivers Genetic Intelligence for the Modern Battlefield [Image 5 of 6]
8 An end user loads a flow cell on a modified field sequencing device during Beholder’s Gaze training, Oct. 24, 2024. The event was attended by the U.S. Naval Research Laboratory and U.S. Army Combat Capabilities Development Command (DEVCOM) Chemical Biological Center military operators Far-Forward Advanced Sequencing Technology (F-FAST) team who conducted training and provided the technology/system.
Building an Effective Risk Team: Part I – Developing Strong Analytics
Building a truly effective risk management organization requires far more than hiring a few mathematically gifted analysts and turning them loose on data. Too often, lenders, particularly in auto finance, equate “risk management” with predictive modeling alone. They build teams heavily concentrated on statistical analytics while underinvesting in other disciplines that are equally critical to long-term portfolio performance.
Health Care Utilization With Telemedicine and In-Person Visits in Pediatric Primary Care
Key Points Question Are pediatric primary care telephone or video visits associated with more medication prescribing, imaging and laboratory ordering, in-person follow-up visits, emergency department (ED) visits, or hospitalizations compared with in-person visits?
Porth Chamber of Trade Supports FSB’s `Future of the High Street` Report and Aligns with Porth Town Centre Vision
The Porth and District Chamber of Trade is pleased to announce its proactive response to the Federation of Small Businesses (FSB) report, “The Future of the High Street”. The Chamber wholeheartedly supports the report’s findings and is committed to implementing its recommendations to enhance the vitality of Porth’s high street. This announcement aligns with our ongoing efforts to support and revitalise our local economy, as outlined in the Porth Town Centre Report.
NRL Participates in International Campaign Investigating Polar Low Phenomena
From late February through early April, the 45-day international field campaign CAESAR, short for Cold-Air outbreak Experiment in the Sub-Arctic Region, focused on cold-air outbreaks that occur as cold Arctic air flows-out over warmer open waters between northern Norway and the Arctic ice edge.
NRL Participates in International Campaign Investigating Polar Low Phenomena
From late February through early April, the 45-day international field campaign CAESAR, short for Cold-Air outbreak Experiment in the Sub-Arctic Region, focused on cold-air outbreaks that occur as cold Arctic air flows-out over warmer open waters between northern Norway and the Arctic ice edge.
Winners of the 2024 Student CanSat Competition Announced
5 WASHINGTON – Hosted by the U.S. Naval Research Laboratory (NRL), American Astronautical Society (AAS) and NASA, the 2024 student CanSat competition concludes with Team PWr Aerospace, Wroclaw University of Science and Technology, Poland, the victor.
West Point’s Lake Popolopen Autonomous Small Vehicles [Image 2 of 2]
5 The Chief of Naval Operations Navigation Plan 2022 emphasizes the use of artificial intelligence (AI) and machine learning techniques deployed on teams of distributed autonomous, small vehicles with dynamically adaptable behaviors, to augment Naval forces in the future so that they can gain a decision advantage and outperform adversaries in the battlefield.
Dr. Arati Dasgupta Honored by the Nuclear and Plasma Science Society
4 WASHINGTON — U.S. Naval Research Laboratory (NRL) plasma physicist, Arati Dasgupta, Ph.D., head, Radiation Hydrodynamics Branch, Plasma Physics Division, receives the 2024 IEEE Plasma Science and Applications Committee (PSAC) Award for her fundamental contributions to, and leadership of, high energy density plasma, atomic, and radiation physics, fusion applications, and service to the plasma science community.
NRL Participates in International Campaign Investigating Polar Low Phenomena
3 WASHINGTON – U.S. Naval Research Laboratory (NRL) research meteorologist James Doyle, Ph.D., joins an international team of scientists to investigate meteorological processes associated with Arctic cold air outbreaks.
Sense and Nonsense About Credit Models - Part II
A curious trend that has become more pronounced since the pandemic is that many lenders are wondering if their credit models (i.e., scoring and other origination tools) are at fault for increased delinquency and charge-off. The purpose of this series of articles is to address the most common concerns related to credit models and to separate sense from nonsense.
Drinking Water: What are the Requirements?
In many parts of the UK, steps are being taken to upgrade municipal water treatment works to improve and futureproof drinking water quality for local residents. However, implementing a solution for drinking water purification that can sufficiently reduce micropollutants and other substances to a safe level in an environmentally positive way, can be a challenge.
NRL ISS Mission seeks new bioinspired materials
WASHINGTON — The U.S. Naval Research Laboratory’s Melanized Microbes for Multiple Uses in Space Project, or MELSP, will use the International Space Station (ISS) to search for production of melanin variants and other useful biomaterials that can have applications both on Earth and in space. The mission is scheduled to launch in early November 2023.
NRL ISS Mission Seeks New Bioinspired Materials
Maintenance window scheduled to begin at February 14th 2200 est. until 0400 est. February 15th (e.g. yourname@email.com) Remember me Forgot Password? 3 WASHINGTON — The U.S. Naval Research Laboratory’s Melanized Microbes for Multiple Uses in Space Project, or MELSP, will use the International Space Station (ISS) to search for production of melanin variants and other useful biomaterials that can have applications both on Earth and in space. The mission is scheduled to launch in early November 2023.
Sense and Nonsense About Credit Models – Part I - Non Prime Times
Auto finance, as we know it today, really began in the late 1980s with the introduction of asset-backed securitization to lenders. This instrument allowed lenders to fund more loans by cleaning out their debt facilities, and brought a substantially lower cost of funds. The latter opened the door to full spectrum lending due to the fact that lower borrowing costs allowed companies to absorb higher loss levels and still maintain profitability.
NRL, 100 Years Strong!
Capt. Bennett accepting NRL at dedication of Laboratory. Public Release. By Daniel Parry, Corporate Communications, U.S. Naval Research Laboratory WASHINGTON – In just a few days, the U.S. Naval Research Laboratory will celebrate 100 years of service as the Navy's corporate laboratory with a rich history of performing advanced scientific research and making significant contributions to U.S. military forces on, under, and above the seas.
Blowing It Up - Non Prime Times
Why subprime auto lenders fail Over the years, many of my articles have dealt with debunking journalist’s hit-jobs on the subprime auto finance industry. Auto loans have performed within a very reliable range across more than 25 years of credit cycles. The management teams of the largest lenders are both seasoned and rational, and actual cases of fraud destroying a portfolio are limited to a handful of cases.
Being Proactive In Tax Planning Is The Only Way Forward In A World Of Tax Policy Uncertainty
Trying to predict the tax landscape has become unusually challenging – if not virtually impossible – in recent months. The slew of tax policy U-turns and rising political uncertainty in the UK this year have hampered planning and investment decisions for businesses and individuals.
Changes in the use of laparoscopic surgery for colorectal cancer in a university teaching hospital
Introduction: Laparoscopic surgery (LS) for colorectal cancer (CRC) proposes equivalent survival and reduced morbidity compared to open surgery (OS). However, it may not be appropriate in certain patients and emergency settings. This study examined changes in CRC surgery approaches in Wales’ tertiary colorectal centre.
From Take-off to Landing, NRL First in U.S. History to Remotely Fly Pilotless Aircraft
Unmanned Aerial Vehicles, or UAVs as they are commonly known, are ostensibly becoming a greater force in today's military arsenal of reconnaissance and weaponry. Although the concept of using, manned, aerial platforms as a device of military strategy is many centuries old, the ability to fly an unmanned, full-size, powered aircraft remotely from the ground and return it safely to its departure point has very much been a facet of the latter portion of this most recent century.
Naval Research Laboratory joint program telescope discovers 4000th comet
The U.S. Naval Research Laboratory’s Large Angle Spectrometric Coronagraph (LASCO) instrument identified the 4000th comet discovered by the Solar and Heliospheric Observatory (SOHO), a joint mission between the European Space Agency and NASA on June 15. LASCO, which is aboard SOHO, was developed in 1995 to see the extremely faint emission from the region around the Sun called the corona.
First GPS NAVSTAR Satellite Goes on Display
Beginning April 2013, the Smithsonian National Air and Space Museum will examine the cultural and technological history of precise timekeeping and navigation at sea, in the air, and in space, and the impact of satellite navigation on our everyday lives.
Researchers Shed Light on Perplexing Bay of Bengal Monsoon Oscillations
Oceanographers and meteorologists with the U.S. Naval Research Laboratory concluded an ambitious field research program in collaboration with the U.S. Office of Naval Research aimed at understanding the role of the Indian Ocean on monsoon intra-seasonal oscillations (MISO), June 26, 2019. The project seeks to understand this major weather phenomenon that impacts more than one billion people living in the Indian subcontinent and the Bay of Bengal rim nations.
Smart Sea Gliders Improve Ocean Observation and Ocean Prediction
Scientists from the U.S. Naval Research Laboratory’s Ocean Sciences Division are optimizing the placement of ocean gliders and the usage of glider data to improve the Navy’s ability to predict ocean conditions. Researchers frequently use gliders – slow-moving, long-endurance underwater vehicles – to collect data on ocean conditions such as temperature, depth, and salinity; in effect, observing the ocean’s weather.
U.S. Naval Research Laboratory ‘connects the dots’ for quantum networks
WASHINGTON Researchers at the U.S. Naval Research Laboratory (NRL) developed a new technique that could enable future advancements in quantum technology. The technique squeezes quantum dots, tiny particles made of thousands of atoms, to emit single photons (individual particles of light) with precisely the same color and with positions that can be less than a millionth of a meter apart.
SpaceX deploys NRL payloads to study space weather and spacecraft propulsion
WASHINGTON U.S. Naval Research Laboratory researchers designed and built two science payloads that went up with SpaceX’s Falcon 9 Heavy rocket launch on June 25. The Small Wind and Temperature Spectrometer (SWATS) will help researchers understand the dynamics of the upper layers of Earth’s atmosphere, while the Tether Electrodynamic Propulsion CubeSat Experiment (TEPCE) will investigate orbital energy created by the Earth’s magnetic field that could propel future spacecraft.
NRL payloads deployed by SpaceX to study space weather and spacecraft propulsion
WASHINGTON U.S. Naval Research Laboratory researchers designed and built two science payloads that went up with SpaceX’s Falcon 9 Heavy rocket launch on June 25. The Small Wind and Temperature Spectrometer (SWATS) will help researchers understand the dynamics of the upper layers of Earth’s atmosphere, while the Tether Electrodynamic Propulsion CubeSat Experiment (TEPCE) will investigate orbital energy created by the Earth’s magnetic field that could propel future spacecraft.
NRL tests sensor on-orbit the ISS to protect space-based assets
WASHINGTON Developed by the U.S. Naval Research Laboratory Plasma Physics Division, in conjunction with the Spacecraft Engineering Department, the Space PlasmA Diagnostic suitE (SPADE) experiment launched from Kennedy Space Center in Florida to the International Space Station onboard the SpaceX Dragon resupply mission (CRS-17), May 4.
NRL tests sensor on-orbit the ISS to protect space-based assets
The Space PlasmA Diagnostic suitE (SPADE) experiment (tower-like structures in photo), is shown integrated onto the Space Test Program-Houston 6 (STP-H6) pallet. Developed by the U.S. Naval Research Laboratory Plasma Physics Division, in conjunction with the Spacecraft Engineering Department, SPADE is designed to monitor background space plasma conditions on-orbit the International Space Station (ISS) and provide early warning of the onset of hazardous levels of spacecraft charging.
NRL Tests Sensor On-orbit the ISS to Protect Space-Based Assets
By Daniel Parry, U.S. Naval Research Laboratory Public Affairs WASHINGTON (NNS) -- Developed by the U.S. Naval Research Laboratory Plasma Physics Division, in conjunction with the Spacecraft Engineering Department, the Space PlasmA Diagnostic suitE (SPADE) experiment launched from Kennedy Space Center in Florida to the International Space Station onboard the SpaceX Dragon resupply mission (CRS-17), May 4.
NRL develops laser processing method to increase efficiency of optoelectronic devices
WASHINGTON Scientists at the U.S. Naval Research Laboratory (NRL) discovered a new method to passivate defects in next generation optical materials to improve optical quality and enable the miniaturization of light emitting diodes and other optical elements. “From a chemistry standpoint, we have discovered a new photocatalytic reaction using laser light and water molecules, which is new and exciting,” said Saujan Sivaram, Ph.D., lead author of the study.
New Laser Processing Method Increases Efficiency of Optoelectronic Devices
Scientists at the U.S. Naval Research Laboratory (NRL) discovered a new method to passivate defects in next generation optical materials to improve optical quality and enable the miniaturization of light emitting diodes and other optical elements. “From a chemistry standpoint, we have discovered a new photocatalytic reaction using laser light and water molecules, which is new and exciting,” said Saujan Sivaram, Ph.D., lead author of the study.
NRL celebrates 25th anniversary of historic lunar orbiter, Clementine
WASHINGTON Twenty-five years ago, the U.S. Naval Research Laboratory launched the Deep Space Program Science Experiment (DSPSE), better known as “Clementine,” from Vandenberg Air Force Base, California, Jan. 25, 1994.
CHIPS Articles: NRL Demonstrates New Nonmechanical Laser Steering Technology
WASHINGTON — Scientists at the U.S. Naval Research Laboratory have recently demonstrated a new nonmechanical chip-based beam steering technology that offers an alternative to costly, cumbersome and often unreliable and inefficient mechanical gimbal-style laser scanners.
Researchers observe unique interlayer state in a bilayer heterostructure
Transition metal dichalcogenides (TMDs), such as the inorganic compounds molybdenum diselenide (MoSe ) and tungsten diselenide (WSe ), are a class of layered 2-dimensional (2-D) materials akin to graphene. Novel heterostructures can be fabricated by stacking single monolayers of these materials and the properties can be tailored by the choice and sequence of these monolayers.
Navy, Carnegie Mellon enter education partnership
ARLINGTON, Va.The Office of Naval Research (ONR), Naval Research Laboratory (NRL) and Carnegie Mellon University (CMU) have entered into an Education Partnership Agreement (EPA) to encourage and strengthen studies in the scientific disciplines.
Navy, Carnegie Mellon Enter Education Partnership
The Office of Naval Research (ONR), Naval Research Laboratory (NRL) and Carnegie Mellon University (CMU) have entered into an Education Partnership Agreement (EPA) to encourage and strengthen studies in the scientific disciplines. The agreement, signed July 31, recognizes the importance of science, technology, engineering and mathematics (STEM)—including the role of artificial intelligence (AI)—to the U.S. Navy and the nation.
NRL celebrates 60 years in space with Vanguard
WASHINGTONSixty years ago, March 17, 1958, the Navy launched Vanguard I, the Navy's first Earth-orbiting satellite and the oldest remaining man-made object in space.Vanguard I, a component of the Vanguard Project, is a small aluminum sphere (16.5 cm in diameter) that was designed to partake in the International Geophysical Year (IGY) — a series of coordinated observations of various geophysical phenomena during solar maximum, spanning July 1957 through December 1958.The basic objectives of...
Navy research meteorologists win unique AMS award
WASHINGTONAn interdisciplinary team of scientists, including meteorologists from the Navy Research Laboratory's (NRL) Marine Meteorology Division, received the American Meteorological Society's (AMS) unique "Special Award," Jan.
NRL improves optical efficiency in nanophotonic devices
WASHINGTONNanophotonic devices have direct applications for use in ultra-high resolution microscopes, solar energy harvesting, optical computing and targeted medical therapies.A team of physicists, headed by the U.S. Naval Research Laboratory (NRL), have demonstrated the means to improve the optical loss characteristics and transmission efficiency of hexagonal boron nitride devices, enabling very small lasers and nanoscale optics."The applications for this research are considerably broad,"...
Team clarifies valley polarization for electronic and optoelectronic technologies
In this sense, a 'valley' refers to the region in an electronic band structure where both electrons and holes are localized, and 'valley polarization' refers to the ratio of valley populations—an important metric applied in valleytronics research. "A high degree of valley polarization has been theoretically predicted in TMDs yet experimental values are often low and vary widely," said Kathleen McCreary, Ph.D., lead author of the study.
Naval Research Laboratory receives patent for carbon capture device
WASHINGTONNaval Research Laboratory's (NRL) Materials Science & Technology Division and Chemistry Division have received a U.S. patent for an Electrolytic-Cation Exchange Module (E-CEM), a key step in synthetic fuel production from seawater, August 1.The world's oceans cover approximately 70 percent of Earth's surface and contain roughly 93 percent of the planet's carbon dioxide (CO2).
Nrl receives patent for carbon capture device-a key step in synthetic fuel production from seawater
The Electrolytic-Cation Exchange Module (E-CEM), developed at the US Naval Research Laboratory (NRL), provides the Navy the capability to produce the raw materials necessary to develop synthetic fuel stock for production of LNG, CNG, F-76, and JP-5, at sea, or in remote locations. This allows the Navy to reduce the logistics tail on fuel delivery with the potential to increase the Navy's energy security and independence and have minimal impact on the environment.
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