Mr. West has served as President of Moody’s Ratings since November 2019. Mike served as Managing Director—Head of MIS Ratings and Research from June 2016 to October 2019. Previously, Mike served as Managing Director—Head of Global Structured Finance from February 2014 to May 2016 and Managing Director—Head of Global Corporate Finance from January 2010 to January 2014. Earlier in his career, Mike was also responsible for the research strategy for the ratings businesses and before that led Corporate Finance for the EMEA Region, European Corporates and the EMEA leveraged finance business. Prior to joining Moody’s in 1998, Mike worked at Bank of America and HSBC in various credit roles.

Marc Pinto is the Global Head of Private Credit. In this role, he coordinates across the financial institutions, corporate, structured, and public and infrastructure finance rating groups to provide thought leadership, and ratings oversight in growth areas of the private credit market, including fund finance, private asset-backed securities, and privately placed investment-grade corporate assets. For over a decade, Marc has held a series of leadership roles of increasing scope and responsibility at Moody’s, including Global Co-Head of Insurance and Global Head of Funds & Asset Management.

Marc is deeply committed to educational and empowerment initiatives, acting as an Executive Sponsor for Moody's CFA and Global Administrative Professionals Networks, a Mentor Advisor in the Women’s Business Resource Group, and a frequent participant in career development seminars.

Marc’s extensive career in the fixed income credit markets, in New York and London, has included leadership roles at sell-side and buy-side firms including Merrill Lynch, Keefe Bruyette & Woods, and Susquehanna International. At Merrill Lynch, Marc was also a top-ranked financial institutions analyst.

Marc is a Chartered Financial Analyst and an alumnus of Columbia Business School and Trinity College (Connecticut).

Jay Hu leads the structured finance teams responsible for new ratings, surveillance and research on CLOs, Corporate and Novel ABS, structured credit, and ABCP in the Americas. Additionally, he is a key member of the Private Credit Group, overseeing all structured deals related to private assets. Jay is a member of Moody’s Decentralized Finance and Digital Assets leadership team and also chairs Moody’s global structured finance surveillance council. At Moody’s for over two decades, Jay has held a series of leadership roles of increasing scope and responsibility.

Prior to joining Moody’s, Jay was a senior economist at FannieMae, where he researched mortgage portfolio risk. He also authored academic research on the relationship between job markets and capital markets which appeared in the Journal of Finance.

Jay holds a Ph.D. in Finance from the University of Minnesota’s Carlson School of Management, and a bachelor’s degree from Tsinghua University’s School of Economics and Management.

Mr. Ensminger-Law is a managing director and portfolio manager in the New York office. His responsibilities include sourcing and underwriting specialty finance and asset-based investments in the U.S. Prior to joining PIMCO in 2018, he was an analyst at Claren Road with a focus on structured credit and specialty finance investments. Mr. Ensminger-Law previously worked at Citigroup in the U.S. and Asia, focusing on structured finance, securitized products, and credit derivatives. He began his career at MMC, where he worked in a variety of roles focused on structured insurance and reinsurance transactions. He has 24 years of investment experience and holds an MBA from the University of Virginia and a bachelor's degree from Brown University.

Marc C. Ganzi is Chief Executive Officer at DigitalBridge and has been an investor and operator in the digital infrastructure sector for more than 25 years. Mr Ganzi has led DigitalBridge’s transformation to become a premier platform for digital infrastructure and real estate investment.

Mr Ganzi originally founded Digital Bridge Holdings in 2013 and, as its CEO, built the firm into a leading global manager of digital infrastructure assets with more than 20 billion in AUM, until its merger in July 2019 into the current public company, DigitalBridge Group, Inc.

Previously, Mr Ganzi founded Global Tower Partners (GTP), which grew to become one of the largest privately owned tower companies in the U. S., before being acquired by American Tower Corporation in 2013 for 4 8 billion. At GTP, Mr Ganzi executed a series of strategic acquisitions, build-to-suit agreements with wireless carriers and financings in the credit markets.

Prior to the formation of GTP, Mr Ganzi worked as a consulting partner for DB Capital Partners from 2000 to 2002 where he oversaw the institution’s investments in the Latin American tower sector. Before joining DB Capital, Mr Ganzi co-founded and served as President of Apex Site Management, one of the largest third party managers of wireless and wireline communication sites in the United States. In 2000 Apex merged with SpectraSite Communications to create one of the largest telecommunications site portfolios in the United States at the time.

In 1990, Mr Ganzi served as an assistant Commercial Attaché in Madrid for the U S Department of Commerce’s Foreign Commercial Service Department. He also served as a Presidential Intern in the White House for the George H W Bush administration with the Office of Special Activities and Initiatives for the Honorable Stephen M Studdert in 1989.

Mr Ganzi received a Bachelor of Science from the Wharton School of Business in 1993. He was a Board Member of the Wireless Infrastructure Association from 2008 to 2017 and served as Chairman from 2009 to 2011. He is a member of the Young Presidents’ Organization and the Broadband Deployment Advisory Committee of the Federal Communications Commission.

Mike Paniwozik is a Partner, Global Head of Structured Credit Investing at Apollo and President of the Apollo Asset Backed Credit Company. Additionally, Mike is an investment committee member for Asset-Backed Finance, S3 Credit Secondaries, and Credit Large Investments, as well as member of the Asset Backed Credit Operating Committee for Apollo Manager, LLC. Prior to joining in 2015, Mike was a Managing Director at Napier Park Global Capital. He began his career in the structured products group at Credit Suisse First Boston.

Mike received a BA in Economics, with honors, from the University of Chicago. He is a member of the Board of Trustees for the New Canaan Library.

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.

Chris Condelles is the Chief Strategy and Corporate Development Officer and a member of the Management Committee at Future Standard. In this role,he sets the firm’s long-term strategic direction and leads enterprise-wide growth initiatives spanning M&A, strategic partnerships, and platform expansion.
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Mr. Condelles also serves as Co-Head of the firm’s Bridge Street CLO platform,with over $2.2 billion in AUM, and oversees the capital markets group, which manages $27 billion of fund-level financing activity across credit, real estate and private equity strategies. He has held several senior leadership roles across the organization, including Chief Operating Officer and Deputy Chief Financial Officer.

Prior to joining Future Standard, Mr. Condelles served on the Executive Committee of Credit Suisse’s Global Credit Products division. There, he built and scaled businesses spanning structured credit investing, fund finance, and esoteric credit. He directly managed an $8 billion trading portfolio and served as Global Treasurer, with responsibility for balance sheet management, liquidity optimization, and capital deployment across a $50 billion portfolio.

Mr. Condelles holds a BS in Financial Economics from Binghamton University, an MBA with dual concentrations in Finance and Entrepreneurial Management from the Wharton School, and is a CFA charterholder.

He serves on the Board of the National Alliance on Mental Illness of New York City.

Eric W. Partlan is the Chief Investment Officer of Massachusetts Mutual Life Insurance Company (MassMutual), headquartered in Springfield, Massachusetts. Eric is responsible for MassMutual’s overall investment strategy and has oversight of the company’s General Investment Account (GIA).

Before assuming the role of Chief Investment Officer in March 2023, Eric served as Head of Portfolio Management for MassMutual for over a decade, where he led a team responsible for the company’s global asset allocation, asset liability management, overall portfolio hedging, and quantitative research and development. In addition, Eric was Chief Investment Officer for MassMutual International and is Chief Investment Officer for MassMutual Ascend. In 2010, Eric was named Head of Investment Risk at MassMutual, where he was instrumental in developing the company’s approach to assessing and mitigating risk within its GIA. Eric joined Babson Capital Management, a former MassMutual subsidiary that is now part of Barings, in 2004, where he was a Managing Director of the Structured Credit Products Group. Prior to joining MassMutual, Eric held several engineering roles at companies including The Boeing Company and B/E Aerospace.

Eric, a certified Chartered Alternative Investment Analyst (CAIA) and Chartered Financial Analyst (CFA), is a graduate of Michigan State University with bachelor’s degrees in accounting and mechanical engineering. He earned his master’s degrees in business administration and mechanical engineering from Massachusetts Institute of Technology as well as a master’s degree in industrial engineering from Georgia Institute of Technology.

Atsi Sheth is Chief Credit Officer and Head of Credit Strategy & Standards at Moody's Ratings.

Prior to her appointment in 2024, she held several leadership roles at Moody's, including Managing Director and Global Head of Credit Strategy and Research from 2021 to 2024.

She also served as Managing Director, Chief Credit Officer for the Americas from 2018 to 2021, and Managing Director, Sovereign Risk Group from 2016 to 2018.

Atsi is a long-time champion of Moody's Community Impact and Inclusion initiatives. She serves on the Board of Moody's Foundation and was the Executive Sponsor of the Pan Asian Impact Business Resource Group.

Earlier in her career, Atsi was the Chief Economist at Reliance Capital and taught courses on International Political Economy and Emerging Markets at Columbia University and Northwestern University.

Atsi has a PhD from Northwestern University and a B.A. from Bombay University.

David Hamilton is Managing Director, Head of Asset Management Research, based in New York. He has held various senior positions in both Moody’s Ratings and Moody’s Analytics over his 27-year career with Moody's. Mr. Hamilton has worked across different asset classes including corporates, high-yield, financial institutions, sovereigns, public finance, structured finance, and digital assets, and in diverse leadership roles in quantitative research, credit policy, and business development in the US and Asia. Prior to joining Moody’s in 1997, Mr. Hamilton worked in the Regional Economics group at the Federal Reserve Bank of Philadelphia.

Jim Hempstead is a Managing Director in Moody’s Global Project & Infrastructure Finance Group, where he heads both the North American Regulated Utility & Power Team and the North American Public Infrastructure Team.

Jim acts as a rating chair across all segments of Moody’s Global Infrastructure & Project Finance franchise, and is a member of both the firm’s Infrastructure Finance Franchise Committee and Global Infrastructure Focus Editorial Board.

 Jim also manages the Moody’s Cyber Risk Team, which looks to incorporate cyber security risk into global credit analyses.

Jim helped manage the firm’s global Environmental, Social and Governance efforts between 2017 – 2020.

Prior to joining Moody’s in 2002, Jim was an investment banker with Merrill Lynch &Co., working in the Global Energy & Power Group, providing financial and advisory services to electric, natural gas distribution, interstate pipeline, energy merchant, water and energy technology companies. Prior to joining Merrill Lynch, Jim worked with Salomon Smith Barney Corporate Finance, working in their Global Energy &Power Group.

Jim graduated with a B.S.B.A. from Villanova University and an M.B.A. from Fordham University. From 2011 - 2013, Jim served as the Director of Emergency Management for his hometown in New Jersey, and is a registered EMT for his local, volunteer first aid squad. Jim is a member of the Wall Street Utility Group and served as a Trustee with the Society of Utility and Regulatory Financial Analysts (SURFA) between 2012 -2020. He served on the Advisory Council for the Electric Power Research Institute(EPRI) from 2014-2019.

Lyuba Petrova is Moody’s Global Head of Leveraged Finance, bringing together the firm’s leveraged finance expertise across regions and disciplines. Lyuba’s team focuses on credit performance of speculative grade issuers, trends in documentation, dynamics in the leveraged finance market and private credit.

Prior to Moody’s, Lyuba spent a decade at Fitch Ratings, leading the firm’s North America Leveraged Finance team, and 9 years at JPMorgan, in roles in leveraged finance origination, capital markets and credit risk management in New York and London.

Natasha Kaden is a Senior Vice President in Moody’s Corporation’s Government, Public and Regulatory Affairs Group where she is responsible for Moody’s U.S. regulatory policy engagements and initiatives, including in the areas of private credit and insurance. Prior to joining Moody’s, Natasha was a Senior Special Counsel in the U.S. Securities and Exchange Commission’s (SEC) Office of International Affairs (OIA), where she facilitated international cooperation on a variety of cross-border supervisory issues. Natasha joined OIA from the SEC’s Office of Credit Ratings where she served as a Branch Chief overseeing examinations of SEC-registered credit rating agencies. Previously, Natasha worked in the capital markets and corporate finance group of Hogan Lovells, where she represented companies in initial public offerings, follow on equity and debt offerings, mergers and acquisitions, and joint ventures.

Nathan Houdek has served as Commissioner of Insurance for the State of Wisconsin since his appointment by Governor Tony Evers in January 2022. He previously served as Deputy Commissioner of Insurance for three years under former Commissioner Mark Afable.

Commissioner Houdek serves as the state's chief regulator of insurance and oversees the operations of the Office of the Commissioner of Insurance. He is also vice chair of the state Group Insurance Board and a board member of the Wisconsin Insurance Security Fund, the state's guaranty fund.

As a member of the National Association of Insurance Commissioners (NAIC), Commissioner Houdek currently serves as chair of the Financial Condition (E) Committee and the Big Data & Artificial Intelligence (H) Working Group, co-vice chair of the Risk Based Capital Model Governance (EX) Task Force, and as a member of the Life Insurance and Annuities (A) Committee, the International Insurance Relations (G) Committee, and various task forces and working groups.

Having spent over 20 years working in state legislative and regulatory affairs, Commissioner Houdek has extensive experience finding solutions to complex public policy and regulatory challenges across all lines of insurance. He has held several senior-level roles in the public and private sectors, including serving as a principal at one of Wisconsin's largest public affairs and business consulting firms and as chief of staff to a former minority leader in the Wisconsin State Senate.

Commissioner Houdek grew up in northern Wisconsin and earned his BA and MBA degrees from the University of Wisconsin-Madison.

Steve’s work focuses on a broad range of industry monitoring efforts, particularly on the private funds industry, business development companies (BDCs) and private and public credit matters. Steve joined the SEC in 2021 as the SEC’s industry specialist on Business Development Companies (BDCs) and became a Branch Chief in 2023. Prior to the SEC, Steve spent eight years at Blackstone where he was primarily focused on providing legal advice relating to formation, fundraising, co-investment transactions, corporate governance and compliance oversight of Blackstone’s BDCs (BCRED and BXSL). In addition, while at Blackstone, Steve worked on a variety of matters pertaining to private funds, private credit and syndicated loan transactions, public and private securities offerings, and investment company and advisory matters. Before Blackstone, Steve was an associate in the corporate group of Bingham McCutchen LLP (now Morgan, Lewis & Bockius LLP).

Marc Pinto is the Global Head of Private Credit. In this role, he coordinates across the financial institutions, corporate, structured, and public and infrastructure finance rating groups to provide thought leadership, and ratings oversight in growth areas of the private credit market, including fund finance, private asset-backed securities, and privately placed investment-grade corporate assets. For over a decade, Marc has held a series of leadership roles of increasing scope and responsibility at Moody’s, including Global Co-Head of Insurance and Global Head of Funds & Asset Management.

Marc is deeply committed to educational and empowerment initiatives, acting as an Executive Sponsor for Moody's CFA and Global Administrative Professionals Networks, a Mentor Advisor in the Women’s Business Resource Group, and a frequent participant in career development seminars.

Marc’s extensive career in the fixed income credit markets, in New York and London, has included leadership roles at sell-side and buy-side firms including Merrill Lynch, Keefe Bruyette & Woods, and Susquehanna International. At Merrill Lynch, Marc was also a top-ranked financial institutions analyst.

Marc is a Chartered Financial Analyst and an alumnus of Columbia Business School and Trinity College (Connecticut).

Jonathan (“Jon”) Gray is President & Chief Operating Officer of Blackstone and is a member of the Board of Directors. He sits on the firm’s Management Committee and nearly all of its investment committees.

Mr. Gray was appointed to his current role in 2018. Since that time, Blackstone’s assets under management have nearly tripled to over $1.2 trillion, as the firm has greatly expanded the breadth of clients it serves, including insurance companies and individual investors.

Mr. Gray previously led Blackstone’s Real Estate business, which he helped build into the largest commercial real estate platform in the world. He joined Blackstone in 1992 in the M&A and Private Equity areas.

Mr. Gray has served as Chairman of the Board of Directors of Hilton Worldwide since 2007, and is also on the board of XRG.

He and his wife, Mindy, established the Basser Center for BRCA at the University of Pennsylvania School of Medicine in 2012 focused on the prevention and treatment of BRCA-related cancers. They have also established numerous programs for low-income children in New York, including creating NYC Kids RISE, a college savings initiative provided to every NYC public school kindergartner. The Grays have been named to The Chronicle of Philanthropy’s list of the largest donors in the U.S.

Mr. Gray received a BS in Economics from the Wharton School, as well as a BA in English from the College of Arts and Sciences at the University of Pennsylvania

Clay Montgomery is a Vice President - Senior Credit Officer in the Financial Institutions Group of Moody’s Ratings, covering a portfolio of banks, exchange operators, and business development companies. Clay joined Moody’s in September 2021.

Prior to joining Moody’s, Clay was an Associate Director at S&P Global Ratings for 10 years covering a variety of bank and non-bank financial institutions. Prior to S&P, Clay worked at UBS in equity research and equity capital markets. He holds an undergraduate degree with a major in finance from the University of South Carolina.

Johannes is a senior analyst 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.

Joseph Pucella is an Associate Managing Director based in New York who oversees the North American team covering specialty finance companies. From 2007 to 2022, Joseph was a lead analyst for various US financial institutions, including regional and community banks, credit unions, Federal Home Loan Banks, commercial real estate lenders and business development companies. He joined Moody’s in 2004 as an accounting specialist. Prior to joining Moody’s, Joseph held positions at Credit Suisse, Deloitte, and Arthur Andersen. Joseph is a Certified Public Accountant and graduated cum laude from Villanova University with a Bachelor of Science in Accountancy.

Rory is currently responsible for Moody’s Funds & Asset Management ratings practice in the Americas. This includes ratings on over 60 asset managers and 400 investment funds across 5 countries. He joined Moody’s Global Managed Investments Group in1998, working on analysis of investment funds. Rory regularly speaks at industry conferences on trends and developments in the asset management sector. He holds a BA in Government from Georgetown University

• Marc has been working at Moody’s since 2024 with a focus on Fund Finance and Private Credit solutions;
• Prior to Moody’s, Marc spent 12 years in various positions mostly focused on Fund Finance;
• Marc holds a bachelor’s degree in finance from Rutgers University.

Peter Hallenbeck is a VP-SF Senior Officer Legal Review in Moody’s Structured Finance

Group, where he has worked since 2006. He is currently a lawyer in the group

responsible for providing ratings for primary CLO transactions. He has worked on

a variety of Structured Credit transactions, including CLOs, risk retention

financings, Trup CDOs, structured notes, synthetic CDOs, re-securitizations, and

other esoteric transactions. He has published numerous articles related to

structured finance.

Mr. Hallenbeck holds a B.A. in French from Davidson College and a J.D. from

Vanderbilt University.

Veronica Huang is a Vice President – Senior Credit Officer on the Funds and Asset Management team in Moody’s Financial Institutions Group, focusing on fund finance and private credit. Prior to her current role, she spent eight years on Moody’s CMBS New Ratings team where she led the ratings analysis of conduit/fusion and large loan CMBS transactions. Veronica also led Moody’s CMBS data center team and played a pivotal role in developing the firm’s approach to data center CMBS and ABS ratings.

Previously, Veronica also worked in Moody’s RMBS and ABS teams. She holds a Master of Science in Finance from the University of Rochester’s Simon Business School and graduated summa cum laude with a Bachelor of Science degree in Finance and Accounting from Drake University. Veronica is also a CFA charterholder.

David Hamilton is Managing Director, Head of Asset Management Research, based in New York. He has held various senior positions in both Moody’s Ratings and Moody’s Analytics over his 27-year career with Moody's. Mr. Hamilton has worked across different asset classes including corporates, high-yield, financial institutions, sovereigns, public finance, structured finance, and digital assets, and in diverse leadership roles in quantitative research, credit policy, and business development in the US and Asia. Prior to joining Moody’s in 1997, Mr. Hamilton worked in the Regional Economics group at the Federal Reserve Bank of Philadelphia.

Gauhar Turmuhambetova, Managing Director, is a member of the Aladdin Financial Engineering and is the Global Head of AFE Security and Investment Modeling. She leads the global team of quantitative modelers responsible for the development and implementation of security models in structured products, rates and derivatives, public and private corporate credit. She also oversees development of liquidity and pricing models, as well as funds modeling.

Nicole Lawrence is a Senior Director – Strategist for the Moody’s Analytics. She is responsible for strategy, management and marketing in Moody’s Analytics Structured Solutions group. Her expertise spans across several ABS and CLO markets. In addition, she is responsible for the Structured Solutions Research team.

Prior to joining Moody’s Analytics, Nicole held various roles with T-REX and B Asset Manager (BAM), focusing on analyzing and investing in esoteric and consumer ABS markets. Before BAM, she spent 11 years at PPM America, most notably as a Vice President, where she was responsible for investments across several ABS and CLO asset classes. Nicole began her career as an ABS ratings analyst for Moody’s Investors Service. Nicole has a Bachelor’s Degree from the University of Notre Dame and a Master’s Degree in Public Policy from the University of Chicago.

John is a Senior Vice President in Moody’s Global Project and Infrastructure Finance Team covering a diverse portfolio of project financings, public private partnerships (PPPs), and municipal infrastructure issuers in the transportation, energy and social infrastructure sectors. John chairs Moody’s Global PPP Task Force and is the sector lead for US toll roads, PPPs and generic project financings. John authors research across multiple sectors and annually leads several new rating assignments for new PPPs and project financings in the US and Canada. John was selected as one of the Bond Buyer’s 2017 Rising Stars. Before joining the Infrastructure and Project Finance Team in 2010, John spent two and a half years as a lead analyst for local governments and enterprises in the Eastern Regional Local Government Ratings Team where he was the lead for municipal issuers in Pennsylvania and New York while also covering New Jersey, Virginia, and Florida. Prior to joining Moody’s, John worked as a risk management analyst, a property and casualty insurance account manager, and a health care claims auditor. John is a founding member and was the first co-chair of Moody’s NY Multicultural Employee Resource Group and is a founding steering committee member of Moody’s NY LGBTA Employee Resource Group. John earned his BA degree in Health Care Economics and Policy from Stanford University and his MPA in Health Care Public Finance from New York University’s Robert F. Wagner Graduate School of Public Service.

Ryan Wobbrock is a Vice President - Senior Credit Officer in the Global Infrastructure Finance Group at Moody’s Investors Service. His responsibilities include conducting industry research and supporting the credit analysis of various U.S. electric utility companies. Prior to joining the Utilities Group as a Senior Associate in December 2004, Ryan worked at Moody’s in the Public Finance Group and spent time in Investment Accounting at Ambac Financial Group. Ryan graduated as an Honors Program Participant and holds a Bachelor’s Degree in finance and a Bachelor’s degree in Accounting from Colorado State University.

Raj Joshi is a Senior Vice President on the Corporate Finance Team. He is the lead analyst responsible for a portfolio of enterprise software, hardware and technology-enabled services companies. Raj has covered a portfolio of technology and business services companies since 2010. From 2005 to 2010, he was part of the Telecommunications and Media team. Before joining Moody’s in 2005, Raj was an International Banker at Union Bank of California (now part of Mitsubishi UFJ Financial Group).

Raj has an MBA from Syracuse University and a Bachelor of Science from the University of Mumbai. Raj is a CFA charterholder and a member of the CFA Institute and the New York Society of Security Analysts, Inc.

Ranjini Venkatesan is a Vice President – Senior Credit Officer in Moody’s Ratings’ Corporate Finance Group responsible for a portfolio of real estate investment trusts (REITs) and other real estate companies across a variety of property types. Prior to her current role, Ranjini was a lead analyst in Moody’s Ratings’ Financial Institutions Group covering financial guaranty and mortgage insurance companies. Before joining Moody’s, Ranjini was a sell-side equity research analyst at ABN Amro Asia. Ranjini holds an MBA from the Indian Institute of Management, Bangalore and a master’s degree in International Affairs from Columbia University.

Bob is a Vice President- Senior Credit Officer on the Financial Institutions Group of Moody's Ratings. He is responsible for a portfolio of U.S. ratings within the Life Insurance Group.

Prior to joining Moody's in 2016, Bob worked for over ten years at Swiss Re where he held various roles including Senior Vice President and Head of Business Development for Swiss Re Life & Health North America. In addition, he served as a Vice President, Head of Origination in Admin Re US covering the US and Canadian markets.

Bob also worked for AM Best as a Managing Senior Financial Analyst, where he rated emerging and complex financial institutions and provided credit analysis coverage on life insurance-based financial services organizations and retirement savings companies. In addition, Bob worked at Mutual of New York in various roles including Corporate Actuarial and Reinsurance

Bob has an MBA Corporate Finance from Fairleigh Dickinson University and a BA in Economics from the University of South Florida. Bob also has the Fellow of Life Management Institute (FLMI) designation from LOMA.

Michael is a Vice President - Senior Credit Officer in the Financial Institutions Group of Moody’s Investors Service. He is responsible for a portfolio of U.S. life insurance companies and has more than 20 years of life insurance experience. Prior to joining Moody’s, Michael worked as an actuary in KPMG’s Financial Risk Management group.

Robert Colangelo is Vice President for the North America Financial Institutions Group. Based in Toronto, he is a lead credit analyst for the largest Canadian banks and insurance companies and publishes related research on these institutions as well as the banking and insurance sectors. 

Rob joined Moody’s in June 2021. Before joining Moody’s, Rob worked at another credit rating agency based in Toronto where he was a lead analyst on the large Canadian banks and various credit unions and other financial institutions in Canada. Rob also held a wide range of senior level positions in Finance at Royal Bank of Canada (RBC), including roles in External Reporting, Investor Relations and performance management reporting and forecasting. Rob holds a Bachelor of Commerce degree from the University of Toronto and is a Chartered Professional Accountant (CA).

Shachar is responsible for the credit analysis and rating of a portfolio of US life insurance companies as well as structured insurance transactions. Previously, he was a member of Moody’s Structured Finance team evaluating and rating RMBS transactions as well as conducting financial and market analysis.

Prior to joining Moody’s in 2003, Shachar worked as an Associate at JPMorgan in the Technology Investment Banking Group, and also served in accounting and consulting roles at PricewaterhouseCoopers.

Shachar holds a BS in Accounting from Binghamton University and an MBA in Finance from the NYU Stern School of Business. Shachar is a CFA charterholder and a CPA.

David Little is the Head of the Asset Management Division of Moody’s Analytics, a team responsible for the research, data and analytic solutions we provide to the Asset Management segment worldwide. Mr. Little joined Moody’s in 2002 as an Associate Product Strategist, and from 2002 until 2007 he held a variety of roles relating to strategy and product development for Structured Finance. In 2007, Mr. Little was promoted to Managing Director in the Global Product Strategy and Development group, responsible for a global portfolio of research, data and analytic products across all fixed income asset classes. In 2008, David transferred to Moody’s Evaluations Inc., where he headed the Moody’s end-of-day pricing business and in 2010 he returned to Moody’s Analytics as a Managing Director in the Global Sales Team. In 2018 David was named head of the Structured Finance division and in 2025 the head of Asset Management.

Prior to coming to Moody’s, David was an associate in the Investment Banking division of Lehman Brothers where he focused on coverage of Financial Institutions, working on debt issuance and M&A. He also spent five years at a Japanese trading firm, Marubeni America, where he was involved in marketing, sales and strategy. David holds a BA in Economics and Political Science from Yale University and an MBA, with distinction, from the New York University Stern School of Business.

David Hamilton is Managing Director, Head of Asset Management Research, based in New York. He has held various senior positions in both Moody’s Ratings and Moody’s Analytics over his 27-year career with Moody's. Mr. Hamilton has worked across different asset classes including corporates, high-yield, financial institutions, sovereigns, public finance, structured finance, and digital assets, and in diverse leadership roles in quantitative research, credit policy, and business development in the US and Asia. Prior to joining Moody’s in 1997, Mr. Hamilton worked in the Regional Economics group at the Federal Reserve Bank of Philadelphia.

Dimitrios is leading Moody’s Generative AI initiatives across regions as head of Digital & Advanced Analytics. He is also the Head of the Industry Practice Group in Moody’s Analytics, leading the Asia & Middle East Subject Matter Expert teams helping institutions in the broad areas of Enterprise-wide Risk Management, Risk Analytics, Stress Testing and ESG & Climate risk. Over the last few years, his teams have been focusing increasingly more on guiding banks and financial institutions in their sustainability journey. Particular areas of focus include the quantification of climate risk impact on credit risk, regulatory climate stress testing exercises, and incorporation of ESG & Climate Risk into an institution’s risk management framework.

During his time in Moody’s and prior to his move to Asia, Dimitrios led the efforts on designing and successfully implementing IFRS 9 modelling and software solutions for more than 50 banks in Europe and Middle East. Prior to joining Moody’s in January 2016, Dimitrios worked as Senior Technical Specialist at the Prudential Regulation Authority (PRA) in London. During that time, he led the internal stress testing model development across the majority of risk types, with a particular focus on wholesale credit risk globally, retail credit risk in the UK and econometric models for key ALM risk metrics. Before joining the PRA, he was part of UBS Group-wide Stress Testing Team where he developed stress testing models for the held to maturity assets of the investment banking arm. Prior to his time at UBS he held various modelling positions at the former Financial Services Authority (FSA), Lloyd’s Banking Group and HBOS.

Dimitrios holds a PhD from the University of Edinburgh Business School and an MSc in Applied Economics and Finance from the Athens University of Economics and Business. He is a certified Professional Risk Manager (PRM) since 2006 and tutored at University of Edinburgh where he has conducted extensive research on credit risk modelling and the interaction between credit risk and the real economy.

Jin Oh is a Senior Director in the Global Risk Solutions Practice for the Americas, responsible for solution structuring of portfolio risk management, stress testing, and capital planning solutions for large financial institutions including banks and insurance companies.  She also works with clients on the impact of ESG and climate on portfolio credit risk and stress testing.   Prior to joining Moody’s, she was an engagement director at KPMG, leading capital planning and stress testing implementations for large global financial institutions. Jin holds a Bachelor of Arts in Economics from Cornell University.