MASSACHUSETS ANALYTICS
Specialized financial modeling and data analytics
Structured Finance
Structured Finance
Structured Finance
Our Structured Finance products provide modeling, stress testing, reporting, and performance tracking across the full lifecycle of transactions—from deal evaluation to surveillance and risk management.
Our platform development product offerings help clients scale operations and embed advanced analytics at both the deal and portfolio level.
Business Analytics
Structured Finance
Structured Finance
Our Business Analytics products deliver strategic insights through advanced data analysis—including analysis ofunstructured data and qualitative input.
With deep expertise in finance and business development, we blend quantitative modeling with real-world experience to support smarter, data-driven decisions
Markets
Structured Finance
Markets
Our Market Analytics business provides insights into funding costs and liquidity by analyzing program structure, market conditions, and investor behavior.
We help clients optimize their investor base, segment investors by behavior, and assess performance—enabling more informed funding decisions and more resilient platforms.
Our Team
Mike Cicerone
Mike Cicerone
Mike Cicerone
Over 20 years of experience in business and quantitative modeling.
Prior to founding Massachusetts Analytics, Mike enjoyed a 16-year career in securitization finance at Royal Bank of Canada where he built and ran the firm’s European conduit securitization business. Prior to RBC Mike spent 3 years at the Board of Governors of the Federal
Over 20 years of experience in business and quantitative modeling.
Prior to founding Massachusetts Analytics, Mike enjoyed a 16-year career in securitization finance at Royal Bank of Canada where he built and ran the firm’s European conduit securitization business. Prior to RBC Mike spent 3 years at the Board of Governors of the Federal Reserve where he worked in econometric modeling and forecasting.
Mike’s areas of quantitative study and modeling experience include econometric forecasting, operations research, stochastic modeling and simulation, and machine learning/data analytics.
Tony Cowart
Mike Cicerone
Mike Cicerone
Decades of experience in international securitization markets.
For 21 years, Tony was responsible for funding, and developing the investor base for Royal Bank of Canada’s multiple asset-backed securitization conduits in the US and Canada.
Leveraging an uncanny understanding of global markets, a profound knowledge of structured finance por
Decades of experience in international securitization markets.
For 21 years, Tony was responsible for funding, and developing the investor base for Royal Bank of Canada’s multiple asset-backed securitization conduits in the US and Canada.
Leveraging an uncanny understanding of global markets, a profound knowledge of structured finance portfolio credit, and deep investor relationships, Tony masterfully navigated several liquidity crises including the 2007-9 financial markets crisis.
Lynne Lowen
Mike Cicerone
Lynne Lowen
Extensive financial markets knowledge, experience, and creativity.
Lynne has enjoyed a remarkable career in financial services at top Wall Street firms including JP Morgan, Morgan Stanley, and RBC Capital Markets.
Her creativity and ingenuity enabled her to structure truly groundbreaking structured finance transactions including the first
Extensive financial markets knowledge, experience, and creativity.
Lynne has enjoyed a remarkable career in financial services at top Wall Street firms including JP Morgan, Morgan Stanley, and RBC Capital Markets.
Her creativity and ingenuity enabled her to structure truly groundbreaking structured finance transactions including the first US Dollar/Yen transaction using a structured vehicle, the first Canadian term market public credit card securitization, and the first Colombian oil throughput transaction.
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Massachusetts Analytics LLC
