Vice President -Senior Analyst, Financial Institutions Group, based in Paris. Roland is the sector lead for the French banking system, and covers a portfolio of banks in France and Benelux. Roland joined Moody’s in 2008, and has covered banks in multiple banking systems including France, the UK, Ireland, Belgium, the Netherlands, Israel and Norway. He has also been the sector lead for non-bank financial companies across Europe. Roland was involved in the global effort leading to the current global methodology on banks, which includes the introduction of the Loss Given Failure framework -a response to the shift in public policy toward implementation of resolution regimes. Roland started his career at HSBC.

Pepa Mori is a Senior Vice President in the Financial Institutions Group. She joined Moody’s in 2008. Since then she has managed a wide portfolio of European issuers, currently having oversight responsibilities for Moody’s banks ratings in Italy and Central Eastern Europe. She is also the lead analyst for Banco Santander.

Prior to joining Moody’s, Ms. Mori worked as a credit analyst in a variety of roles. These include credit research at BBVA, rating European sub-sovereigns and public sector companies at Standard & Poor’s; and financial analysis at BBVA’s asset management division. Ms. Mori holds a Bachelor Degree in Business Administration and MSc in Finance from Colegio Universitario de Estudios Financieros (CUNEF), Madrid (Spain).

Francesca joined the Financial Institutions Group (FIG) of Moody’s Ratings in December 2014 and has broad experience in covering a wide range of banks and other financial institutions in terms of business and ownership profile. She is currently the lead analyst for banks in United Arab Emirates, Oman and some in Turkey.

Previously she worked in a private wealth management in New York and as an intern at Monte Dei Paschi di Siena in Milan. Francesca holds an MSc in Finance from Bocconi University - Milan and Bsc in Economics and Finance from University of Bologna.

Laurent is Group Credit Officer, responsible for the proper implementation of policies, procedures and methodologies, for financial institutions across EMEA. Prior to his role, Laurent had been lead analyst for financial institutions in France and the Benelux region since February 2015.

Prior to joining Moody’s Laurent has worked as Head of Regulatory and Prudential Affairs with Crédit Agricole S.A., since 2012. He was responsible for the monitoring of prudential and regulatory developments and assessing their impact on this large French banking group. Before 2012, Laurent held several banking supervisory positions at Banque de France. His career at the central bank spanned many years in the banking supervisory authority (Autorité de Contrôle Prudentiel et deRegulation), and he was also seconded to international organisations. In this capacity, Laurent worked at the Secretariat of the Basel Committee in Switzerland between 2003 and 2006 where he provided analytical support in the context of the development of the Basel II framework. Between 2009 and 2012, Laurent was also seconded to the Competition Directorate General of the European Commission (DG-Competition) as a member of the Task Force for Financial Crisis Resolution which monitored member states’ state aid for ailing banking institutions. 

Laurent holds a postgraduate degree with distinction in International Finance and Economics from Université Paris IX Dauphine and a degree from the Institutd’Etudes Politiques de Paris.

Paula Jouandet-Dahlen is a Vice President based in Stockholm and is the lead analyst for various banks in Denmark, Finland, Norway and Sweden. Paula joined Moody’s in April 2024 from AXA Investment Managers in Paris where she was Head of Credit Research, leading a team of credit analysts across Europe covering banks, corporate, sub-sovereign and agency issuers. Prior to AXA IM, Paula spent time at Fortis Investments and Barclays Capital. She holds an MBA from HEC Paris and a BSc in Business Administration and Economics from the University of Gothenburg.

Riccardo Magnoni is an Analyst within Moody’s Ratings Financial Institution Group (FIG). Based in Paris, Riccardo has lead responsibility for a portfolio of Italian, Portuguese and Spanish banks.

 Prior to joining Moody’s in 2021, Riccardo worked as a credit analyst at BNP Paribas, covering a portfolio of Dutch investment grade and high-yield companies across various sectors including consumer, energy and healthcare.

Riccardo holds a MSc in Accounting and financial management from Bocconi University in Milan. Riccardo is fluent in Italian, English, Portuguese and Spanish.