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.

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.

Jessica Gladstone is a Managing Director in the Credit Strategy & Guidance group at Moody’s, and the head of Credit Guidance, where she leads a team of Group Credit Officers. The team monitors ratings quality and consistency globally and across all ratings groups and provides guidance and transparency on complex and emerging credit topics. Before joining Credit Strategy & Guidance Jessica managed several ratings teams within the Corporate Finance Group, including industries such as aerospace & defense, manufacturing, healthcare and pharmaceuticals.

Before joining Moody’s in 2006, Jessica performed sell-side equity research for BMO Capital Markets with a focus on the healthcare and medical device sectors. Prior to that, Jessica worked at McKinsey & Co. in the Corporate Finance Group, providing valuation analysis and management consulting services to corporate clients.
Jessica graduated with honors from Vassar College with a dual degree in biology and French. She is also a designated CFA-charter holder.

Paloma San Valentin is Managing Director – US and Americas for the Corporate Finance Group (CFG) at Moody’s Ratings, based in New York, overseeing the development of rating opinions and research on corporates in the region. Paloma previously served as Co-Head for US and Americas CFG. From 2010 to 2014, she was a Managing Director in CFG in London, where she was in charge of the analytical teams covering a diverse portfolio of mostly consumer-facing industries including telecom, media, airlines, food processors, real estate, packaged goods, or business services. Paloma joined Moody’s in the summer of 2008, bringing 15 years of international corporate credit and banking experience. Prior to joining Moody’s, Paloma was Country Credit Risk Officer for Bank of America in Spain and responsible for the bank’s Iberian corporate credit portfolio and French general industrial clients. During her career, Paloma also spent three years at Credit Suisse, in different credit risk and investment banking capacities. Ms. San Valentin holds an MBA from Instituto de Estudios Superiores de la Empresa (IESE), Barcelona, Spain, and a BA in Business and Economics from the Free University of Brussels, Belgium.

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).

Keith Banhazl is a Managing Director, Co-Head of Americas Structured Finance & Head of Commercial Real Estate Finance, Americas at Moody’s Ratings. He is also the Digital Infrastructure and Data Center Franchise Lead for North America covering Project & Infrastructure, Public Finance, Corporates, REITs, Banking, and Structured. Additionally, he leads the teams responsible for CMBS & CRE CLO new ratings and surveillance at Moody’s Ratings. The team is responsible for reviewing Conduit/Fusion, Large Loan/Single Borrower, Agency CMBS, Credit Tenant Lease, Small Balance Commercial, CRE CLO, CRE CDO and other private credit CRE related products. He is also the coordinator for our cross group CRE related initiatives covering Structured, Banking, Corporates, REITs, Public finance, and Project & Infrastructure. He is Moody’s Global Structured Finance Outreach and Research Coordinator and has been involved in various research initiatives and outreach activities related to the CRE securitization space, publishing and speaking on Moody’s behalf. Prior to being appointed to his current position, Mr. Banhazl was a Managing Director within the Structured Finance Group leading the US CMBS and CRE CLO/CDO Surveillance team and the review of primary US CRE CLO/CDO transactions, including the credit assessment team for commercial real estate assets within CRE CDO’s and CLO’s as well as Structured Credit transactions. He is on the Board of Governors at CREFC (Commercial Real Estate Finance Council) and also a Board Member at StreetWise Partners - non-profit organization focusing on mentoring and coaching. 

Mr. Banhazl has a Bachelor of Arts degree from Brown University in Economics and History.

Fabian Astic serves on Moody’s Ratings’ Senior Leadership Team as Managing Director, Global Head of Digital Economy, and Chair of the AI Oversight Working Group. He leads the rating agency’s preparedness efforts related to the digitalization of the global economy, including Digital Finance, AI Analytics, and Cyber Credit Risk.

Fabian is a recognized expert in traditional and digital finance, often contributing to industry events and conferences. He serves on the Digital Asset Markets Subcommittee of the U.S. Commodity Futures Trading Commission’s Global Markets Advisory Committee, and on the board of QuantCubeTechnology, an AI-powered predictive analytics company.

Prior to his current role, Fabian led quantitative analytics and innovation for the rating agency. He joined Moody’s in 2006 and had various roles in the Credit Strategy & Standards and Structured Finance groups.

Fabian’s academic credentials include a Ph.D. in Applied Mathematics with a focus on Mathematical Finance, and a Master’s Degree in Mathematics Applied to Economic Sciences from Université Paris Dauphine. He also holds a Master’s Degree in Science and Executive Engineering from the Ecole des Mines de Paris, where he specialized in Quantitative Finance.

Ben Nelson is Vice President - Senior Credit Officer in Moody’s Corporate Finance Group. He is responsible for a portfolio of investment-grade and speculative-grade chemical companies. Over the past decade with the firm he has held lead analyst responsibility in auto parts, general manufacturing, metals & mining, paper & forest products, steel, and services. He has non-portfolio responsibility in campus recruiting, summer internship program, new hire and associate training program, and is a member of the CFG’s Global Professional Development and Training Council. Ben graduated summa cum laude with degrees in business administration and history from Westminster College and joined Westminster’s Board of Trustees in 2015.