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Jorge R. Sobehart is a Managing Director at Citi Franchise Risk Architecture (Credit and Obligor Risk Analytics) where he manages advanced modeling for credit risk capital allocation, stress testing and CCAR/DFAST, and loan loss reserves including IFRS9/CECL for wholesale portfolios. During his career, he has worked for several prestigious institutions making contributions and publishing technical articles in multiple fields. He also acted as a reviewer for several professional journals and book editors in risk management, finance, physics, computation and mathematical modeling. Dr. Sobehart has advanced degrees in physics and postdoctoral experience at the US-Los Alamos National Laborator