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.

Chor is a Senior Director, Financial Crime Compliance Industry Practice Lead at Moody’s. He is also a noted expert in client relationship management with more than 16 years of experience working across international financial services.  

His deep understanding of client lifecycle management, regulatory frameworks, and KYC remediation has fuelled the success of pivotal programs such as CLM Transformation and Onboarding Digital Journey. 

Prior to Moody’s, Chor spearheaded strategic initiatives at global powerhouses like JPMorgan, BNP Paribas, and ICBC Standard Bank, driving efficiency through innovative people strategies and large-scale digital transformations.  

Chor's dynamic leadership and strategic acumen continue to shape the future of financial compliance, making him a driving force in the industry. 

Hera U. Smith is a Director for Financial Crime Compliance Practice at Moody’s. As an industry practice lead, she focuses on regulatory developments and market trends in sanctions, money laundering and other areas of financial crime, translating them into product capabilities and thought leadership. She has built and headed global sanctions programs for financial institutions in the US and Europe. Additionally, she was the Co-chair of the ACFCS Nordics Chapter and a facilitator of the US State Department’s Sanctions Capacity Building Workshops in countries all over the world.

Before joining Moody’s, Hera worked at Danske Bank, where she developed the sanctions program and managed external commitments to regulators globally. She also headed the Global Sanctions Program at Associated Foreign Exchange, a global payment company now known as Corpay, and before that, East West Bank. In her early career, she worked as a litigation lawyer, and is a licensed attorney in California and the Philippines. She is a Certified Anti Money Laundering Specialist (CAMS) a Certified Global Sanctions Specialist (CGSS) and a Certified Sanctions Specialist (CSS). She also has an International Diploma in Governance, Risk & Compliance from the International Compliance Association (ICA) and helped draft the sanctions certifications exams for ACSS and ACAMS.

Charlie Houston is an economist with Moody’s Analytics based in Edinburgh, Scotland. He is a member of the model development team and specializes in machine learning and artificial intelligence in economic research. He also covers the economy of the United Arab Emirates. Charlie’s prior experience is in asset management, where he worked as an investment manager in global bonds. He holds a PhD in biophysics and an MEng in aeronautical engineering from Imperial College London, and is a CFA charterholder.

I am a Director in Advisory Services in the Banking OU in Moody’s Analytics. I support Moody’s clients’ journey from Sales to Customer Success phase, helping to position Moody’s existing offering, the design of customized solutions and scalability. I lead the IFRS9 function where I oversee the onboarding to Moody’s impairment solutions, from product to methodology, and lead the Parter Prime delivery program for Europe and Africa. I also lead the development of Advisory packages to support Moody’s Lending Solutions (e.g. EWS and RAROC) and ease integration in their credit decisioning process.

Chor is a Senior Director, Financial Crime Compliance Industry Practice Lead at Moody’s. He is also a noted expert in client relationship management with more than 16 years of experience working across international financial services.  

His deep understanding of client lifecycle management, regulatory frameworks, and KYC remediation has fuelled the success of pivotal programs such as CLM Transformation and Onboarding Digital Journey. 

Prior to Moody’s, Chor spearheaded strategic initiatives at global powerhouses like JPMorgan, BNP Paribas, and ICBC Standard Bank, driving efficiency through innovative people strategies and large-scale digital transformations.  

Chor's dynamic leadership and strategic acumen continue to shape the future of financial compliance, making him a driving force in the industry. 

Nick is Senior Director Strategy and Innovation at Moody’s with a focus on fighting fraud and financial crime. Prior to Moody’s, Nick spent 10 years on the vendor tech side working across a variety of strategy roles, notably at LexisNexis Risk Solutions delivering fraud, ID&V and risk solutions.

The first 10 years of Nick’s career were spent in banking and fintechs including Barclays, RBS, Lloyds and WorldPay.

David Muir is an associate director and senior economist at Moody’s Analytics in London. David previously worked as an economist at HSBC, Lloyds Banking Group, and the Confederation of British Industry. He holds a bachelor’s degree in law and German from Edinburgh University and an MSc in economics from Warwick University.

Dr. Gaurav Ganguly is Head of International Economics at Moody’s Analytics, where he heads economic research for Europe, the Middle East, Africa and Asia-Pacific. His research interests include international economics, geopolitics and climate change. Together with his research group, he focuses on the key risks facing the global economy and the ways in which these might manifest. His economic scenarios, forecasts and analysis are used by financial institutions, governments and companies to actively manage risks. He is a well-known public speaker and frequently comments on economic issues across and appears in the media. Based in London, he has taught at various Universities in the UK and held visiting academic positions, including a research fellowship at the Grantham Institute for Climate Change at Imperial College. Gaurav obtained his Master’s degree and a doctorate in Economics from the University of Oxford.

Andrew Hunter is an associate director and senior economist at Moody’s Analytics based in Edinburgh, Scotland. He covers the U.K. and other European economies and helps to oversee written research across the EMEA region. Andrew has more than a decade’s experience in macroeconomic research and previously worked for Capital Economics, primarily covering the U.S. economy. He holds a master’s degree in economic history from the London School of Economics and a bachelor’s degree in economics from the University of St Andrews.

Veteran technologist and entrepreneur Laurence Stock co-founded Numerated, a provider of digital solutions that streamline and expedite business lending. Laurence leads Numerated's new product initiatives. Founded in 2017, Numerated was incubated within Eastern Bank, where Laurence served as SVP of Emerging Technologies.

Francis is a Director and Industry Practice Lead in Financial Crime Compliance at Moody’s. 

His tenure as head of Compliance at Sumitomo Mitsui (SMBC), saw him orchestrate the effective establishment of the Risk and Control framework for an EU entity in compliance with French and Germany passported regulatory requirements. 

With 8 years at HSBC, Francis spearheaded regulatory investigations, integrated Compliance risk management globally, and drove compliance controls governance transformation initiatives.  

 A certified PRINCE2 practitioner, Francis also holds diplomas in financial crime prevention and governance, risk, and compliance from the International Compliance Association. 

Dr. Gaurav Ganguly is Head of International Economics at Moody’s Analytics, where he heads economic research for Europe, the Middle East, Africa and Asia-Pacific. His research interests include international economics, geopolitics and climate change. Together with his research group, he focuses on the key risks facing the global economy and the ways in which these might manifest. His economic scenarios, forecasts and analysis are used by financial institutions, governments and companies to actively manage risks. He is a well-known public speaker and frequently comments on economic issues across and appears in the media. Based in London, he has taught at various Universities in the UK and held visiting academic positions, including a research fellowship at the Grantham Institute for Climate Change at Imperial College. Gaurav obtained his Master’s degree and a doctorate in Economics from the University of Oxford.

Barbara Teixeira Araujo is an assistant director and economist at the Moody's Analytics Prague office. She is responsible for providing research and analysis on key European economies. Before joining Moody’s Analytics, Barbara worked at the economic research department of Natixis in Paris. Her work experience includes macroeconomic forecasting and real-time economic coverage. She holds a master’s degree in international economics and a BSc in financial engineering from Paris-Dauphine University.

Andrew Hunter is an associate director and senior economist at Moody’s Analytics based in Edinburgh, Scotland. He covers the U.K. and other European economies and helps to oversee written research across the EMEA region. Andrew has more than a decade’s experience in macroeconomic research and previously worked for Capital Economics, primarily covering the U.S. economy. He holds a master’s degree in economic history from the London School of Economics and a bachelor’s degree in economics from the University of St Andrews.