Mr. Fanger has been with Moody’s since 1995 as a member of Moody’s Financial Institutions Group. In June 2008 he returned to Moody’s Global Banking team after serving as Chief Credit Officer for Moody’s Financial Institutions Group for 2 ½ years.He currently has lead or co lead analytic responsibilities for a number of large universal banks and securities firms headquartered in Europe and the U.S., and also provides guidance and support to other analysts covering similar institutions to help ensure consistency in Moody’s analysis and ratings of these complex firms. Mr. Fanger also continues to support Moody’s Credit Policy function through his participation on a variety of standing committees and special projects.

Mr. Fanger has previously served as Regional Credit Officer for the Americas Banking team and the Finance and Securities team at Moody’s, and has been lead analyst on a wide range of banks, thrifts, and credit card companies on those teams. Prior to joining Moody’s Mr. Fanger worked at the Federal Reserve Bank of New York in Banking Supervision, and also served a brief stint at the Federal Reserve Bank of San Francisco. 

Mr. Fanger has a Masters in Public Policy from Harvard University’s Kennedy School of Government where he concentrated in Business and Government Relations, and a B.A. from Colby College where he majored in Economics and Government.

Megan Fox is an Associate Managing 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.

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.

Rian is a Vice President, Senior Credit Officer in the North American Financial Institutions Group covering U.S. regional banks.

Prior to joining Moody’s, Rian led a team at another rating agency that covered U.S. and Canadian universal and regional banks. Earlier in his career, he worked at the Federal Reserve Bank of New York in financial institution supervision and in the offices of two U.S. senators.

Rian holds an MBA in banking and finance from Case Western Reserve University, a Graduate Certificate in Accounting and Taxation from Fordham University and is a CFA charter holder.