Megan Fox is an Executive Director in the Financial Institutions Group at Moody’s Ratings. She oversees the North American team responsible for the ratings and research of a portfolio spanning US-based global investment and universal banks, securities firms, asset managers and Canadian banks.

Before leading the team, Megan spent nearly 15 years as a Moody’s Ratings analyst covering a broad range of global investment, universal, US regional and community banks. 

Prior to joining Moody’s Ratings, Megan held positions at Freddie Mac, primarily within the Finance department. She holds an honors degree in economics and political science from the University of Delaware.

Gabriel is an Assistant Vice President based in New York. He covers a portfolio of securities firms and consumer finance companies. Previously, Gabriel was a Ratings Associate assisting with the analysis of global investment banks and securities firms. Gabriel holds an undergraduate degree in finance from the University of Connecticut.

Johannes is a Vice President in the North American financial institutions group covering U.S. regional banks.

Prior to joining Moody’s in July 2023, he was with Fitch Ratings for 8 years as senior analyst covering banks in the North America region. Earlier in his career he was with Deloitte advising clients in the financial services sector both in the United States and South Africa.

Johannes holds an MBA from Columbia Business School. He completed his undergraduate studies at Stellenbosch University in South Africa where he majored in mathematical statistics and quantitative finance. He is a CFA charterholder and a certified Financial Risk Manager.

Mike is a Vice President in Moody’s Financial Institutions Group covering banks, consumer finance companies, and securities firms.

Prior to joining Moody’s, Mike was a senior director at another rating agency where he covered banks, consumer finance companies, asset managers, and securities firms. He led the agency’s internal fintech common interest group and published research on emerging issues in the sector. Prior to that, Mike was a sell-side equity analyst at UBS and Sandler O’Neill Partners where he was a senior analyst covering consumer and specialty finance companies.

Mike holds an MBA from the University of Florida and BBA in accounting from Pace University. He is also a certified public accountant in the state of New York.

Mark Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi cofounded Economy.com, which Moody’s purchased in 2005.

Dr. Zandi is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, is the lead director of PolicyMap, a data visualization and analytics company used by policymakers and commercial businesses, and is a director of the Coleridge Initiative, a nonprofit that facilitates the exchange of data across governments.

He is a trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public. Dr. Zandi frequently testifies before Congress and conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. 

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which assesses the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by The New York Times as the “clearest guide” to the financial crisis. Dr. Zandi is host of the Inside Economics podcast.
Dr. Zandi earned his BS from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania.

Robin covers a portfolio of banks and securities companies.

Prior to joining Moody’s, Robin worked at the Federal Reserve Board and the Federal Reserve Bank of New York, where he primarily worked on banking policy matters, including rulemaking and interpretations, policy analysis, and transaction reviews. Robin also held roles in credit capacities at three investment banks. Robin received a bachelor’s degree in economics from Davidson College and is a CFA charter holder.