Europe
Agenda
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Keynote interview with Christian Sewing, CEO, Deutsche Bank
- Strategic impact of the current crisis: What opportunities it creates, eliminates or defers
- Views on recovery as well as government and regulatory interventions
- How the current situation will impact Deutsche’s strategic plans and targets?
- Extent to which the current crisis has driven increasing focus by the bank on ESG – particularly social risks
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Spotlight Interview with Chief Digital Officer, Belfius
- What is the rationale and expected value added behind the strategic partnership between Belfius and a telecom company?
- Has COVID-19 crisis prompted material changes in the way banks will digitalize their activities?
- What is the state of competition between traditional banks and neo-banks?
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Spotlight Conversation: Future of Asset Management
- Where will the fundamental shifts in the European industry come from?
- What competitive advantages should asset managers watch out for?
- What role will technology play in the successes and failures in the industry?
- Will ESG investing be the next big secular trend in asset management?
- What will be the longer-term impacts from the coronavirus pandemic on asset manager’s business models?
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Panel Discussion: Focus on IFRS 9 - Managing Model Risk in Unprecedented Times
- Challenges in applying IFRS9 guidance in light of the fast changing economic assumptions
- Determining EL in relation to loans subject to moratoria
- Challenges in applying regulatory guidance in relation to ECL
- Expectations in relation to when consumer versus corporate exposures will migrate
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09:00
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10:00
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14:00
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09:00
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10:00
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14:00
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Christian Sewing has been a member of the Management Board since January 1, 2015 and Chief Executive Officer since April 2018. On July 7, 2019 he took on additional responsibility for the newly established Corporate Bank and the Investment Bank.
He joined Deutsche Bank in 1989. From January until June 2015, he was responsible on the Management Board for Legal, Incident Management Group and Group Audit, and assumed responsibility for Deutsche Bank’s Private & Commercial Bank (including Postbank) between July 2015 and April 2018. He was Head of Group Audit from June 2013 to December 2014, prior to which he held a number of management positions in Risk. From 2012 to 2013, he was Deputy Chief Risk Officer. From 2010 to 2012, he served as the Bank’s Chief Credit Officer. He has worked in Frankfurt, London, Singapore, Tokyo and Toronto.
From 2005 until 2007, Christian Sewing was a member of the Management Board of Deutsche Genossenschafts-Hypothekenbank.
Laurie Mayers is an Associate Managing Director in Moody’s European Banking team. Laurie has responsibility for the analytical teams covering bank and non-bank financial institutions in the UK and Ireland as well as for the global investment banks located in EMEA and North America. Leveraging her risk and regulatory background, she also provides leadership within the Financial Institutions business unit on the cross jurisdictional implications for banks of the implementation of Basel III, the BRRD and TLAC/MREL requirements, UK ring fencing and Brexit.
Prior to Moody’s, Laurie’s most recent role was Manager of the Capital Management Team at the UK Financial Services Authority (now the Prudential Regulation Authority), where she had responsibility for Pillar 2 capital assessments and firm-wide stress testing for the largest UK banks and building societies.
Laurie’s previous roles include Partner, Risk and Regulatory Advisory, Ernst & Young, Group Head of Basel 2 and a member of the Group Risk Executive Team at RBS, Global Head of Counterparty Credit Risk at RBS and previously, Principal and EMEA Head of Credit for Morgan Stanley International. Laurie began her career at as a staff economist at the New York Mercantile Exchange , and subsequently worked as a lending officer in the Commodity Finance Division at Chase Manhattan Bank following completion of their credit analyst training programme.
Laurie holds a Master’s Degree in International Affairs (with a specialisation in International Economics) from Columbia University SIPA and a Bachelor’s Degree in Political Economy from Williams College, Williamstown, Massachusetts.
Sean Marion is Managing Director in the Financial Institutions Group, based in London. He is responsible for Moody’s analytic teams that rate banks and nonbank financial companies in the Nordics, Baltics, South-Eastern Europe and emerging markets in Middle East and Africa. Prior to relocating to London in 2011, Mr. Marion held various positions of progressive responsibility in Moody’s, including working in the firm’s offices in Mexico City and Toronto.
Before joining Moody’s, Mr. Marion worked for The Economist Intelligence Unit, conducting research on macroeconomic and country risk. Mr. Marion holds graduate degrees in economics from the Université Paris I (Sorbonne) and the London School of Economics. He also holds an undergraduate degree from Bishop’s University, Canada.
Mr. Marion is fluent in French and Spanish.
Louise joined Moody’s in November 2016 and is the lead analyst for most large Nordic banks.
Prior to joining Moody’s, Louise spent nine years at Standard & Poor’s. She initially worked as a senior credit analyst in the Sovereign and International Public Finance Group, and thereafter in the Financial Institutions Group - during the global financial crisis. The last 4 ½ years at S&P, Louise headed up the rating agency’s Banking Industry Country Risk Assessments (BICRAs), the key element of bank ratings, globally.
Prior to working at Standard & Poor’s, Louise spent ten years at the European Commission in Brussels, primarily working with macroeconomic forecasts and analysis at the Directorate General for Economic and Financial Affairs (DG ECFIN), and a couple of years working with EU affairs at the Swedish Ministry of Finance and Central Bank. Louise holds a Master of Science in Business Administration and Economics from Uppsala University.
Carola Schuler is a Managing Director in the Europe, Middle East and Africa banking team, based in Frankfurt. In this capacity, she is responsible for Moody’s analytical teams that rate banks primarily in the Eurozone and Central and Eastern Europe as well as non-bank financial companies across Europe and emerging markets in Middle East and Africa. Carola has extensive experience in credit analysis and managing credit professionals.
Prior to joining Moody’s in 2008, Carola was a Director at the credit risk management division of Deutsche Bank where she worked in a number of different analytical and managerial functions in Germany and abroad, covering corporate finance, leveraged finance, financial institutions and sovereign risk across Europe, including time spent in Brussels (Belgium). Carola has a double German-French Diploma in Business Administration from Hochschule für Technik und Wirtschaft des Saarlandes (HTW), Saarbrücken /Germany and the University of Metz/ France.
Olivier Panis is a Vice President – Senior Credit Officer in the EMEA Financial Institutions Group based in Paris, covering a portfolio of European Global Investment Banks (GIBs) and non-GIBs. Olivier has also responsibility for coverage of bank ratings in French speaking African countries, among which Tunisia and Morocco.
Olivier joined Moody’s in Dubai in 2013 where he assumed responsibility for a portfolio of financial institutions in the Gulf Cooperation Countries (GCC) and North Africa.Prior to joining Moody’s in 2013, he was heading the Portfolio Management team for Corporate Banking Emerging Markets at Barclays. He started his career as a financial analyst at the French Ministry of Finance in Paris. Olivier Panis holds a MSc in Economics from the Université PARIS I (Sorbonne).
Alberto Postigo joined Moody’s Inverstors Service in 2002. He is currently based inMadrid with responsibilities as lead analyst for a number of Spanish banks. Beforejoining the Financial Institutions Group, Mr. Postigo worked in the structuredfinance group for six years, mostly in the analysis and rating of ABS transactions.
Before joining Moody’s, Mr. Postigo worked at Lucent Technologies as a seniorconsultant in the switching and networking group. Mr. Postigo holds a degree inTelecommunications Engineering by the Universidad de Valladolid as well as adegree in Economics and Business Administration by the Universidad Autónomade Madrid.
Keeran Gwilliam-Beeharee is the Executive Director for Market Access at Vigeo Eiris, an Affiliate of Moody’s. In this role, Keeran oversees the Agency’s Institutional Relations, Strategic Marketing and Communications functions. Through the outreach and interactions that he steers with different market participants, he works across the Vigeo Eiris organisation to support product innovation, methodological and thought leadership.
Alain Laurin heads the Financial Institutions group with responsibility for ratings on banks in France and the Benelux since June 2013. Between 2008 and 2013 Alain was Regional Credit Officer for the Europe, Middle East and African region (EMEA).
Prior to joining Moody’s in August 2008, Alain was at Banque of France for 25 years where he held several positions in the International department – including a seven-year secondment to the World Bank – and at the Banking Commission where he was Director of off-site supervision between 2006 and 2008.
Alain holds a Master Degree in Economics (University of Bordeaux) and Sciences Po (Bordeaux).
Nick Hill joined Moody’s in March 2010 and is based in Paris where he is responsible for the coverage of banks in France, Benelux, Italy, the UK, Ireland, and the CIS. Nick led the revision of Moody’s bank rating methodology, which was re-published in 2015.
Prior to joining Moody’s, Nick worked as a bank analyst in a variety of roles. These include banking supervision at the Bank of England and Financial Services Authority, where he began his career; sell-side equity research on French banks in a #1 ranked team at Morgan Stanley; rating UK and continental European banks at Standard & Poor’s; and providing balance sheet advice to financial institutions with RBS.
A graduate of Christ’s College, University of Cambridge in the UK, Nick holds an MA in English, a diploma in French, and a postgraduate certificate in Finance from Birkbeck College, University of London.
Warren Kornfeld is a Senior Vice President in Moody’s Financial Institutions Group covering mortgage, credit card, student loan banks and finance companies as well as Government Sponsored Enterprises (FHLBanks, Farm Credit, Fannie and Freddie).
Prior to joining the Financial Institutions Group, Warren was a Managing Director for Structured Finance Administration overseeing key strategic initiatives and prior to that Warren co-headed the Residential Mortgage- Backed Securities (RMBS) team as well as headed up the U.S. Servicer Ratings team.
Warren joined Moody’s in 2001. Prior to Moody’s, Warren held senior investment banking positions with William Blair & Co., The Industrial Bank of Japan and Bickford & Partners focusing on a securitizations of a wide range of asset types, including residential mortgages, equipment lease, auto loan and lease, consumer assets and commercial receivables.
Warren holds a B.S. in Finance and Decision Sciences from the Wharton School of the University of Pennsylvania.
Niclas Boheman is a Vice President – Senior Analyst based in Stockholm. He is part of the Financial Institutions group, covering a portfolio of banks and the Nordic and Baltic countries.
Prior to joining Moody’s in 2016, Mr Boheman was a credit analyst in the Financial Institutions Group at Svenska Handelsbanken, Stockholm.
Mr Boheman holds a Degree of Master of Science(One Year) in International Economics from the School of Economics and Management, Lund University
Melina Skouridou is an Assistant Vice President and lead analyst for EMEA financial institutions, with a focus in Central and South Eastern Europe. In this role, she currently provides ratings analysis for a portfolio of banks in Poland, Hungary, and Slovenia. Prior to that she covered Norwegian and Cypriot banks, as well as financial institutions in Egypt, Israel, Romania and Bulgaria. This included large private, public, and state affiliated banks; small and mid-sized commercial lenders, and government-related institutions.
Melina joined Moody’s Limassol office in 2006, and started her Moody’s tenure covering financial institutions operating in the Gulf Cooperation Council. Prior to joining Moody’s, she worked as analyst for a local investment management firm conducting analysis for various securities and participating in the investment decision process.
Melina has an MSc Financial Mathematics from King’s College, University of London and a BSc Mathematics from the same school. She earned her CFA designation in 2009.
Maria Vinuela is a Vice President – Senior Analyst in the Europe, Middle East and Africa banking team, based in Madrid. In this capacity, she is lead and back-up analyst for a range of Spanish, Portuguese and Polish banks.
Prior to joining Moody’s in 2009, María was a senior auditor in the financial institutions group of Ernst&Young, where she was responsible for the audit of a large variety of financial institutions.
María has a B.A. in Business Administration from the Colegio Universitario de Estudios Financieros (CUNEF) in Madrid.
Rachel Lord, Senior Managing Director, is Head of Europe, Middle East and Africa for BlackRock and is a member of the Global Executive Committee. Ms. Lord also chairs the EMEA Executive Committee and is the Global Executive Sponsor of the Women's Initiative Network.
Prior to assuming her current role in September 2017, she was EMEA Head of iShares and Head of Global Clients, ETF and Index Investments. Ms. Lord joined BlackRock in November 2013 from Citigroup where she was the Global Head of Corporate Equity Derivatives. She joined Citigroup in 2009 after thirteen years at Morgan Stanley, where she had a variety of senior roles in the equities and capital markets businesses, in London and Hong Kong.
Ms. Lord qualified as a Chartered Accountant in 1990 with Arthur Andersen, following which she worked in structured finance for five years before moving into equity derivatives. She graduated in 1987 from the University of Leeds with a BA (Hons) First Class in International History & Politics.
Marc is responsible for a global team which assigns credit ratings to insurers, asset managers, and investment and pension funds. He was previously a Credit Policy Officer and developed stress tests for banks globally during the financial crisis. Marc regularly speaks at industry conferences on trends and developments in the financial services sector. Marc is a sponsor of the Moody’s Network of CFA Charterholders, an active contributor to Moody’s employee professional development initiatives, and a coach in the Women’s Mentoring Program. Marc is also a member of the Asset Management Committee responsible for overseeing Moody’s retirement savings plans.
Having worked as a sell-side, buy-side and credit rating agency analyst, Marc has developed a unique perspective of the fixed income markets. A top-ranked analyst and manager at Merrill Lynch, Marc headed up several research groups, including Credit Research for Europe, Middle East and Africa, Credit Research for the Americas and Global Emerging Markets Fixed Income and Economics Research. He was also Head of Corporate Bond Strategy at broker/dealer Susquehanna International and a portfolio manager of the KBW Credit Opportunity Fund at a Keefe, Bruyette, & Woods affiliate, now part of Stifel Financial.
Marc received his MBA from Columbia Business School and a BA from Trinity College (CT).
Laurie Mayers is an Associate Managing Director in Moody’s European Banking team. Laurie has responsibility for the analytical teams covering bank and non-bank financial institutions in the UK and Ireland as well as for the global investment banks located in EMEA and North America. Leveraging her risk and regulatory background, she also provides leadership within the Financial Institutions business unit on the cross jurisdictional implications for banks of the implementation of Basel III, the BRRD and TLAC/MREL requirements, UK ring fencing and Brexit.
Prior to Moody’s, Laurie’s most recent role was Manager of the Capital Management Team at the UK Financial Services Authority (now the Prudential Regulation Authority), where she had responsibility for Pillar 2 capital assessments and firm-wide stress testing for the largest UK banks and building societies.
Laurie’s previous roles include Partner, Risk and Regulatory Advisory, Ernst & Young, Group Head of Basel 2 and a member of the Group Risk Executive Team at RBS, Global Head of Counterparty Credit Risk at RBS and previously, Principal and EMEA Head of Credit for Morgan Stanley International. Laurie began her career at as a staff economist at the New York Mercantile Exchange , and subsequently worked as a lending officer in the Commodity Finance Division at Chase Manhattan Bank following completion of their credit analyst training programme.
Laurie holds a Master’s Degree in International Affairs (with a specialisation in International Economics) from Columbia University SIPA and a Bachelor’s Degree in Political Economy from Williams College, Williamstown, Massachusetts.
Ryan is an Associate Partner that heads the KPMG UK’s IFRS9Credit Risk Assurance function in Audit and specialises in credit risk measurement and management. Prior to joining KPMG, Ryan was working for a large UK bank and is in the position of having worked across various functions in the Credit Life Cycle; from quantitative risk measurement to origination and restructuring.
This varied experience allows Ryan to form insight across traditional credit risk silos to foresee potential unintended consequences of adopting IFRS 9
Stephen was appointed as Chief Risk Officer for Lloyds Banking Group in September 2017. Risk Division encompasses all risk types including credit, market, operational, conduct, compliance and fraud.
He is a member of the Group Executive Committee and also attends the Board.
Stephen joined Lloyds Banking Group in May 2011 to be the Chief Credit Officer for Wholesale & International Credit Risk. In November 2012, he was appointed Risk Director for Commercial Banking and ran the Commercial Banking Risk function.
Prior to joining Lloyds Banking Group, Stephen was the Chief Risk Officer at Barclays Corporate. He was also Chief Credit Officer for the UK Retail and Corporate business in Barclays before taking the position as CRO for the UK Corporate business, which performed very strongly in the downturn. In Stephen’s 21 year career at Barclays, Stephen undertook a variety of roles in the front office and risk.
Tim Dettman is Global Head of Impairments for HSBC Wealthand Private Banking. Tim is responsible for all aspects of impairment acrossthe 40 geographies in which HSBC operates including the model developmentlife-cycle, results interpretation and governance & control considerations. Tim manages the broad spectrum of internal and external stakeholders who areinvolved in various aspects of impairment and is focused on connectingimpairment with strategies across the Wealth and Personal Banking businessglobally.
Tim has spent 13 years in HSBC working in various rolesacross Risk and Finance. Tim led HSBC’s retail delivery of IFRS9 and has10+ years of various impairment related experience across both internationaland US accounting frameworks.
Alessandro Roccati joined Moody’s in May 2012 as a Senior Vice President in the Financial Institutions Group, based in London. His portfolio includes large European banks.
Prior to joining Moody’s, Alessandro spent fifteen years in equity research as a Senior analyst covering European banks at global investment banks: Macquarie,Man Group, Credit Lyonnais and Nikko Securities. He started his career as a credit analyst covering European banks at UniCredito. Alessandro graduated in Economics from Bocconi University in Milan
Derek Vadala is the CEO of Cyber Assessments, a joint venture between Moody’s Corporation, a global credit rating agency, and Team8, a cybersecurity-focused company creation platform. Derek leads a team that is focused on creating a standard benchmark for communicating cyber risk to Boards of Directors and senior business executives in order to improve the global dialog about this important issue. Prior to leading this venture, Mr. Vadala was the Global Head of Cyber Risk for Moody’s Investors Service, responsible for developing capabilities for evaluating cyberrisk and incorporating those capabilities into credit analysis.
Prior to this role, Mr. Vadala served as the Chief Information Security Officer for Moody’s Corporation from 2013-2018, where he was responsible for global information risk and security across Moody’s businesses worldwide. He has over 20 years of experience in information security and technology management and has spoken and published on topics including security risk management for large enterprises and systems administration.
Alessandro Roccati joined Moody’s in May 2012 as a Senior Vice President in the Financial Institutions Group, based in London. His portfolio includes large European banks.Prior to joining Moody’s, Alessandro spent fifteen years in equity research as a Senior analyst covering European banks at global investment banks: Macquarie,Man Group, Credit Lyonnais and Nikko Securities. He started his career as a credit analyst covering European banks at UniCredito. Alessandro graduated in Economics from Bocconi University in Milan.
Leroy Terrelonge is an Assistant Vice President in MIS’ Cyber Risk Group, where he works collaboratively with analysts across MIS lines of business to publish timely and relevant research on cyber risk and its impact on financial performance.
Leroy has more than 16 years of risk experience working in government, international education, tech startups and corporates. He recently joined Moody’s from Flashpoint, a threat intelligence company that researches cybercriminal communities, and previously worked as an analyst at the National Security Agency. He has been cited in both domestic and international media on cyber risk issues and has presented at cybersecurity conferences around the world.
Leroy graduated from the Fletcher School of Law and Diplomacy with a Masters in International Business. He also holds an A.B. in Near Eastern Languages and Civilizations cum laude from Harvard University.
Alexander Hendricks is an Associate Managing Director in Moody’s European Banking team. Alexander has responsibility for the analytical teams covering financial institutions in Germany, Austria and Switzerland. He joined Moody’s in 2013.
Prior to Moody’s, Alexander’s most recent role was Director in Company Research at Deutsche Bank, where he had responsibility for financial institutions in Germany and Austria, and co-responsibility for European investment banks. In addition, he acted as hub for European regulatory matters in research.
During his occupation at the German bank, Alexander also held responsibilities for real estate companies and stock exchanges in Germany. At previous employer ABN Amro, Alexander covered German and Austrian banks in equity research. He began his career as trainee at Deutsche Bank.
Alexander holds a Masters Degree in Business Administration (Diplom- Kaufmann) from University of Mannheim, with specialisation in Banking and Finance. He is a CFA charterholder.
Bernhard is lead analyst for a number of banks in Germany and Austria.
Prior to joining Moody’s in 2014, he worked for Allianz SE as a Financial Analyst with firm-wide credit portfolio responsibilities. Prior to that, he was a Credit Risk Officer at EADS (now Airbus) and a Senior Risk Manager / Senior Analyst in Corporate and Structured Finance at LBBW in Germany and Luxembourg.
Bernhard is a CFA charter holder and has obtained the PRM designation. He holds a Master’s Degree in European Business Studies & Management from Otto-Friedrich University at Bamberg (Germany) and speaks German, English, Spanish and French.
Swen joined Moody’s Investors Service in August 2010 as a member of the of the Financial Institutions Group. He is the lead analyst for several German, Austrian and Swiss banks.
Prior to joining Moody’s Swen was a portfolio manager and buy- side analyst for global banks and financial institutions with Deka Investment, Frankfurt. He graduated in Business Administration from Goethe University of Frankfurt and is a CFA Charterholder.
Alessandro Roccati joined Moody’s in May 2012 as a Senior Vice President in the Financial Institutions Group, based in London. His portfolio includes large European banks.
Prior to joining Moody’s, Alessandro spent fifteen years in equity research as a Senior analyst covering European banks at global investment banks: Macquarie,Man Group, Credit Lyonnais and Nikko Securities. He started his career as a credit analyst covering European banks at UniCredito. Alessandro graduated in Economics from Bocconi University in Milan
Edoardo Calandro is a member of the EMEA Banking Team, where he is the lead analyst on a portfolio of Italian banks.
Alain Laurin heads the Financial Institutions group with responsibility for ratings on banks in France and the Benelux since June 2013. Between 2008 and 2013 Alain was Regional Credit Officer for the Europe, Middle East and African region (EMEA).
Prior to joining Moody’s in August 2008, Alain was at Banque of France for 25 years where he held several positions in the International department – including a seven-year secondment to the World Bank – and at the Banking Commission where he was Director of off-site supervision between 2006 and 2008.
Alain holds a Master Degree in Economics (University of Bordeaux) and Sciences Po (Bordeaux).
Guillaume Lucien-Baugas joined Moody’s in September 2007 and is based in Paris in the Financial Institutions Group where he has responsibilities for rating a number of banks in France and the Benelux. Prior to joining the Financial Institutions Group, he was part of the Structured Finance Group at Moody’s, rating CDO and CLO transactions.
He started his career in asset management at Eiger Capital Limited in London, where he was a senior credit analyst in the fixed income markets.
Mr. Lucien-Baugas holds a masters degree in Finance and Management from Dauphine University (Paris IX) and a postgraduate certificate in Finance from ESCP Europe. He is a CFA Charterholder.
Simon Ainsworth, who is based in London, is an Associate Managing Director responsible for the analytical teams maintaining ratings on Nordic and Baltic banks and on a range of European insurance companies.
Simon previously served as a Group Credit Officer. In that role he carried responsibility for monitoring ratings quality as well as assisting in the development and implementation of rating methodologies and practices applied to rated financial institutions within the EMEA region.
Simon joined Moody’s in March 2014 following sixteen years at the Bank of England.
At the Bank, he worked in a variety of roles primarily in its financial markets and banking operation divisions; as well as working on a variety of financial risk and crisis related issues. This included the resolution of failed banks, as well as responsibility for the risk management framework applied to collateral accepted in the Bank’s sterling market operations.Simon graduated from the University of Durham in 1998, having studied Economics and Politics. He is based in London.
Niclas Boheman is a Vice President – Senior Analyst based in Stockholm. He is part of the Financial Institutions group, covering a portfolio of banks and the Nordic and Baltic countries.
Prior to joining Moody’s in 2016, Mr Boheman was a credit analyst in the Financial Institutions Group at Svenska Handelsbanken, Stockholm.
Mr Boheman holds a Degree of Master of Science(One Year) in International Economics from the School of Economics and Management, Lund University
Alain Laurin heads the Financial Institutions group with responsibility for ratings on banks in France and the Benelux since June 2013. Between 2008 and 2013 Alain was Regional Credit Officer for the Europe, Middle East and African region (EMEA).
Prior to joining Moody’s in August 2008, Alain was at Banque of France for 25 years where he held several positions in the International department – including a seven-year secondment to the World Bank – and at the Banking Commission where he was Director of off-site supervision between 2006 and 2008.
Alain holds a Master Degree in Economics (University of Bordeaux) and Sciences Po (Bordeaux).
Fabio Iannò is in charge of a portfolio of Italian and Irish banks.
Prior to joining Moody’s in March 2018, Fabio was a Director at Fitch Ratings in London for 7 years covering Italian banks. Before Fitch Ratings he worked for Deloitte & Touche in New York (2008 - 2009) as Senior Consultant in the Capital Markets division and in Milan (2004 - 2008) in the audit department.
Fabio holds an MBA - Master in Business Administration (SDA Bocconi) and an MSc in International Business (Bocconi University).
Maria Cabanyes is a Senior Vice President and the Team Coordinator in the EMEA Financial Institutions Group for Spain and Portugal, in addition to which she is lead analyst for the larger financial institutions in Spain.
Ms Cabanyes joined Moody’s London-based banking team in December 1992, since when she has followed banks as lead analyst, as well as in Spain, in the Nordic region, Portugal and in Latin America. Ms Cabanyes has also served as Regional Credit Officer Moody’s Banking and Finance rating teams in EMEA for ensuring compliance with existing rating methodologies, supporting the development and implementation of analytical initiatives as well as facilitating global rating consistency.
Prior to joining Moody’s in 1992, Ms Cabanyes was an equity analyst at Iberagentes (Spain). Ms Cabanyes has a Bachelor Degree in Business Administration and MSc in Finance from Colegio Universitario de Estudios Financieros (CUNEF) Madrid.
José de León is Senior Vice President – Manager with Moody’s EMEA covered bond group.
He leads a team of credit analysts located across various European offices and coordinates covered bonds ratings in the Asia Pacific region. During his tenure at Moody’s, he has played a key role implementing and adjusting the Moody’s covered bond methodology to different asset classes and jurisdictions across Europe. He joined Moody’s in 2003 as an RMBS/ABS analyst.
Before joining Moody’s, he worked in the structuring as well as trading of ABS, and as exotic equity derivative controller. José graduated from the Universidad Complutense (Madrid) with a degree in economics and in finance from Frankfurt School of Finance and Management (HfB). He also holds the certificate in quantitative finance (CQF).