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Jason Alpert

Vice President
Wells Fargo Bank

Jason Alpert manages the Special Assets Department of Wells Fargo Bank for the State of Florida based in Tampa, FL. He and his team of workout lenders manage a portfolio of wholesale business banking relationships throughout the State. He is a 14-year banking veteran, having worked the last 8 years in his current role at Wells Fargo and the prior 6 years at SunTrust Bank in commercial real estate. He received his Finance degree and MBA from the University of Florida and is active in various non-profits and organizations throughout the Bay Area. He serves on the Board of Directors of the Tampa Chapter of the RMA, is a Big Brother mentor with Big Brothers Big Sisters, and is an Adjunct Profess ... (view full description)

Joseph Arie

EVP, Director
CIBM Bank

Mr. Arie is a seasoned banker of over 40 years. During his tenure in the banking industry, Mr. Arie has held executive management positions in all areas of running a bank. He has been a "keynote speaker" at several National Banking conferences speaking on the subject of Business Banking and Small Business Lending. In 1994 he received the US Small Business Administration's Financial Advocate of the Year Award. In 1995, President Clinton appointed Mr. Arie to be 1 of 80 Presidential Delegates at the White House Conference on Small Business. From 1995 to 2005 Mr. Arie was on the Board of Directors of The National Association of Government Guaranteed Lenders, NAGGL (the national trade associatio ... (view full description)

Erik Bowen

VP & Portfolio Manager
Axos Bank

John Budyak

Managing Director
Alter Domus

John is a managing director of Cortland’s national Credit Services Group. Focus is centered on special asset and risk management, loan and credit agreement covenant monitoring, client underwriting and construction draw monitoring support and post-origination credit reviews. He has over 30 years’ experience in commercial lending, credit risk, troubled asset management, and corporate financial and strategic planning within the financial services industry. Prior to joining Cortland, John held various senior management positions focusing on the strategic resolution of troubled asset portfolio’s, including those requiring servicing under an FDIC Shared Loss Program, at BMO/Harris Bank and Trust, ... (view full description)

Cam Childs

SVP
Directed Capital

Cameron ChildsSenior Vice President—Asset Acquisitions   Mr. Childs leads the Asset Acquisition team at Directed Capital. In his current role, Mr. Childs is responsible for all acquisition activity including deal sourcing, underwriting, valuation, and execution. Mr. Childs has experience across the business platform from acquisitions and asset management to capital formation and financial reporting. Mr. Childs is based in the St. Petersburg office.    Mr. Childs received a B.A. in Economics and a M.S. in Management from the University of Florida. Mr. Childs also received a B.S. in Accounting from the Universit ... (view full description)

Francisco Connell

Principal
Chuhak & Tecson PC

Francisco (Cisco) Connell is a Principal in the banking and corporate transactions practice groups and a problem solver known for his calm and reassuring manner. As such, he often finds himself tapped for particularly challenging or sensitive cases. Clients choose Cisco to be that steady hand guiding them through complex commercial litigation as well as more routine transactional matters. Leader of the firm's Banking Group, Cisco represents banks and other financial institutions in bankruptcy proceedings, creditors’ rights cases and complex commercial workouts, and he often can be found in court advocating on behalf of his clients. Recognizing that litigation is not always the best opt ... (view full description)

Tom Constantine

EVP & Chief Credit Officer
Axos Bank

Bryan Courcier

SVP
Hilco Global

Andre Cuadrado

Founder & Principal
Rhenium Capital

We are the best in the business at maximizing the recovery value for real estate NPLs. Check out our website to find out more: www.rheniumcap.com.

Dave Dawson

Executive Vice President & Director
First Horizon Bank

Carlos Delgado

Head of Special Assets Department
International Finance Bank

Mr. Delgado is the 1st Vice President Special Assets Manager, at International Finance Bank. He began his career in collections in the late 1980’s and has been instrumental in guiding two institutions through the turmoil of Consent Order’s during the last three decades.  His most notable achievement was during his tenure as the Senior Vice President Head of Special Assets and OREO Department at US Century Bank. Mr. Delgado implemented new and effective policies and procedures, ensuring compliance with the regulatory bodies. He successfully oversaw and managed a portfolio of a total inflow of Substandard Debt in excess of $600MM and significantly reduced the portfolio by over $300M ... (view full description)

David Druey

Regional President
Centennial Bank

David Druey is Florida regional president for Centennial Bank, a customer-focused community bank with 165 current branches in Arkansas, Florida, Alabama and New York. In this role, he oversees the bank’s Florida locations while managing margins, costs, efficiency and with strong focus on asset and credit quality.Joining Centennial Bank in 1998, Druey has been with the bank since its inception and previously served as a division president. His mission to spearhead and drive the bank’s philosophy regarding credit policy, loan quality, and peak operational performance has culm ... (view full description)

Tom Fevola

Director, Credit & Underwriting
LSQ Funding Group, LC

Tom brings 24 years experience to his role as Director of Credit and Underwriting for the invoice finance company LSQ, which purchased $3.2B in account receivables in 2019. He and his team assess and navigate risk, determining viable lending conditions, and recommending an appropriate course of action for businesses requiring capital or loan restructuring needs. The team works directly with many banks to help provide cash flow solutions for both referral and special asset clients. Tom is a Certified IFA Account Executive, member of the CFA Leadership Institute, and certified Predictive Index Analyst.

Lisa Freeman

Loan Portfolio Operations Manager
Stearns Bank

Lisa Freeman serves as the Loan Portfolio Operations Manager at Stearns Bank, where she manages the collections and servicing team in charge of acquired banks.  This team’s focus is loss mitigation for the portfolio of loans originated by now-defunct community banks, which were acquired by Stearns Bank from the FDIC.  With over 30 years in the financial services industry, Lisa began her career as a collector with Barnett Bank of Southwest Florida, transitioning to lending with American General Auto Finance, American Bank, and serving as the regional consumer lending adminis ... (view full description)

Keelan French

Senior Correspondent Banker
North Avenue Capital

Keelan Muir French is the Senior Correspondent Banker for North Avenue Capital. She has 18 years of experience working in numerous areas of finance and in multiple markets specializing in portfolio management and asset optimization utilizing fixed income trading strategies.At North Avenue Capital, Ms. French partners with financial institutions throughout the nation to increase yield for their portfolio utilizing North Avenue Capital’s fixed income product offerings. She is also focused on partnering with small-medium size banks and credit unions to provide capital to their commercial custome ... (view full description)

Fabien Galindo

Regional Credit Officer
Lone Star National Bank

Fabien Galindo is the Regional Credit Officer – SVP, for Lone Star National Bank, a $2.2BB community bank with 35 branches in Central and South Texas. Fabien joined Lone Star National Bank in 2015 after 10 years with the Office of the Comptroller of the Currency as a Commissioned National Bank Examiner.  Fabien is responsible for maintaining the Bank’s regional credit risk infrastructure, underwriting efforts, and oversight of the institutions efforts to maintain compliance with asset quality-related regulatory requirements and affairs.  He holds two bachelor’s degrees in Finance and Business Ma ... (view full description)

Scott Gillanders

SVP, Credit & Operations Manager
Berkshire Bank

David Gottlieb

Managing Director
Hilco Global

As Managing Director at Hilco Real Estate, David assists clients value and strategically monetize real estate assets. David utilizes his 25 years of real estate brokerage and law experience to predict, maximize and add value to all transactions while serving as a trusted advisor throughout the process.Prior to joining Hilco Real Estate, David worked for MB Financial Bank as Vice President, Asset Manager-Real Estate Disposition during the Great Recession where he was responsible for managing, marketing and selling a broad range of assets including multi-family, retail, industrial, mixed-use, s ... (view full description)

Roger Gross

Senior Vice President
U.S. Bank

Roger Gross is a Senior Vice President for U.S. Bank.  For the past 10 years, Mr. Gross has worked as a Relationship Manager in the Special Assets Group based out of St. Louis, MO with a specialty in C&I and CRE troubled loans.  Mr. Gross has over 25 years of commercial banking experience in various capacities including commercial loan underwriting, relationship management, and portfolio management for U.S. Bank, Bank of America, and Regions Bank.

Begoña Guzmán

SVP, General Counsel
Banco Santander International

Begoña Guzman is the Chief Legal Officer-General Counsel at Banco Santander International “BSI” (Santander Private Banking International). She has over 20 years international experience in banking and corporate insurance having participated in multiple cross border projects in the EU and LATAM. Currently at BSI she is responsible to oversee legal risk management, provide legal advice and support to the business (ultra-high net worth individuals from LATAM).  Corporate Secretary to BSI Board of Directors and Regulatory functions (FED). She also advises BSI CEO and executive leadership team in Miami, Boston and Madrid. She manages a team of 6 in-house attorneys an ... (view full description)

Mary Jo Heston

Judge
U.S. Bankruptcy Court

Mary Jo Heston currently is a United States Bankruptcy Judge for the Western District of Washington.  She previously was a shareholder in the Seattle and Portland Offices of Lane Powell PC where her practice involved commercial litigation and transactional matters with an emphasis on business reorganizations, Canadian/US cross-border cases and the acquisition of troubled businesses. Between 1988 and 1993 Ms. Heston served as the first Region 18 United States Trustee, overseeing bankruptcy cases and fiduciaries in Washington, Oregon, Idaho, Alaska and Montana.  She also is a former law clerk to a bankruptcy judge and a district judge as well as a former estate administrator of the federal ban ... (view full description)

Mark Hildreth

Partner
Shumaker, Loop & Kendrick LLP

Co-administrator of Shumaker's Banking and Financial Institutions Industry practice group, Mark understands the nancial services industry has never been more complex or competitive and he delivers actionable advice and assistance to clients in order to meet today’s challenges. Mark focuses his practice in the areas of: Creditors' rights and loan enforcement litigation in state and federal courts Representation of creditors in business bankruptcies Business loan workouts Foreclosures Uniform Commercial Code (UCC) disputes Contract disputes Lender-liability defense Because of Mark’s more than three decades’ wo ... (view full description)

Javier Jorge

SVP, SBA Director
Pilot Bank

Javier has been in banking for the last 7 years specializing in government guaranteed lending programs, specifically with SBA products. Currently, Javier lives in Miami, FL where he provides businesses access to capital throughout the state of Florida. With extensive knowledge on expansion of business, partner buyouts, business acquisitions, real estate purchase and more, Javier brings an impressive set of skills to make sure clients are growing their businesses with the right government guaranteed product. Javier loves to spend time with his wife Yadisha who they raise their son together and expecting a baby girl in 2020.

Jim Ketchersid

SVP, Real Estate Services Manager
Farmers & Merchants Bank of Long Beach

With more than 40 years of credit management experience, James H. Ketchersid is a Senior Vice President and Manager of the Special Assets Department at Farmers & Merchants Bank. Ketchersid’s four decades of banking experience includes Credit Administration, C&I, commercial real estate, multi-family, construction, asset based, SBA and consumer loans as well as customizing those loans to help the client succeed. Ketchersid participates in those activities at the senior management level. In his free time, Ketchersid volunteers his time to Kiwanis International, sings in his church choir, and enjoys spending time with his grandchildren. Founded in Long Beach in 1907 by C.J. Walker, Farme ... (view full description)

Sanyu Kyeyune

Program Manager
IMN

Sanyu Kyeyune is a Program Manager at Information Management Network (IMN), producing real estate and investment management conferences.Before joining IMN, Sanyu was a Senior Associate Editor for Commercial Property Executive and Multi-Housing News, two real estate news publications and subsidiaries of property management software company Yardi Systems. Prior to that, Sanyu earned an MBA with a focus in real estate finance from CUNY Baruch College. Sanyu also holds a BA in Professional Writing and Russian Studies from Carnegie Mellon Universit ... (view full description)

Alan Leavitt

Managing Member
Lane Capital Partners LLC

Alan Leavitt founded Lane Capital Partners in 2008 and currently oversees all aspects of loan acquisitions, due diligence, deal execution, and portfolio management. Prior to founding Lane Capital, Alan co-founded Rossrock, LLC in 1992 and served as a Managing Member until 2008. For the past two decades, Alan handled the acquisition, asset management, and service for an excess of $1 billion in face value of sub-performing, non-performing, and performing mortgages. Alan is a Certified Public Accountant (inactive) and received a Bachelor of Science in Accounting from the City University of New York.
 

Michael Liu

Director
Miami Dade County, Department of Public Housing & Community Development

Michael Liu is director of the Miami-Dade County Department of Housing and Urban Development (PHCD), the largest housing agency in the Florida, and among the top ten largest in the United States. His public and private sector community development experience spans over three decades. He led Mayor Carlos Gimenez’s initiative to redevelop Liberty Square, the County’s largest and oldest public housing development.He served as Deputy Under Secretary for USDA’s Small Community and Rural Development and HUD Assistant Secretary for Public and Indian Housing overseeing all U.S. Public Housing, S ... (view full description)

Robert Milam

Director of Originations
Summit Investment Management

Director of Originations at Summit Investment where I am responsible for sourcing commercial debt purchases from financial institutions. We primarily purchase stressed and distressed commercial debt. It can be direct loans, portfolios or pieces of syndicated credits. We buy C&I loans, commercial leases and debt secured by real estate including real estate with environmental issues. Former Positions - Vice President Bayside/HIG Capital. TD Bank - Senior Workout Officer responsible for all workouts in the Southeastern part of the US. South Financial Group - Director of Special Assets. Regions Bank - Director of Special Assets. SouthTrust Bank - Manager Commercial Special Assets Department. ... (view full description)

Joel Minamide

SVP
U.S. Bank

Joel Minamide is a Senior Vice President and Senior Team Lead in the Special Assets Group of U.S. Bank in Los Angeles. He oversees the L.A. workout unit which manages a West Coast portfolio of acquired and legacy loans. Previously, Joel supervised teams charged with large, complex CRE and C&I relationships at California National Bank (acquired by U.S. Bank), The Toyo Trust and Banking Co., Ltd., and Sumitomo Bank of California (now California Bank & Trust). One of his most high-profile assignments involved a co-lender loan transaction which later became the subject of a landmark bankruptcy case, in which the focal point was the preservation of a lenders right to credit bid in a 363 s ... (view full description)

Megan Murray

Associate
Buchanan Ingersoll & Rooney PC

Michael Nanosky

President
Janus Hotels & Resorts

Mr. Nanosky has over thirty years’ experience in all aspects of the hospitality industry. After joining Beck Hospitality as a partner and President of Hotel Operations in 1989, he quickly developed the company into a top 20 hotel management company, successfully managing over 200 properties for the RTC and various lending institutions and servicers. Later, he was instrumental in the successful reverse merger of Beck Hospitality and Janus Hotels & Resorts, Inc. He has, either personally or as president of Janus, served as a court-appointed receiver in over fifty cases and has served as an expert witness for many institutional investors and lending institutions. Mr. Nanosky also leads Janu ... (view full description)

Robert Orr

Principal
Sandton Partners

Robert has over twelve years of financial services experience. Prior to opening the North Carolina office for Sandton Capital, he was part of the 2005 founding team at the de novo Square 1 Bank, where he held a variety of general management and corporate development roles in growing that institution to over $1 billion in assets. Prior to that, he was a management consultant, most recently with The Monitor Group. At Monitor, he had extensive experience advising financial institutions and other large corporate clients on growth strategies. He received his MBA from the Stanford Graduate School of Business and his BA from University of North Carolina (Chapel Hill).

Ira Perlmuter

Director, Chairman - Credit and Compliance
Community Federal Savings Bank

Daniel Pische

Senior Vice President
First American Bank

Daniel Pische is a Senior Vice President with First American Bank and serves as a member of their Senior Loan Committee. Daniel oversees First American Bank’s SBA product line as well as their lending team in South Florida and serves as the Bank’s Special Asset Manager. As an active lender with delegated authority under all of the SBA’s programs, Daniel and his team were awarded the SBA’s Export Lender of the Year in 2017 and the President's "E Award" for Export Service in 2018.   A native of Chicago, Daniel relocated his family to South Florida in 2016 to assist with First American Bank’s growth in the market. First American Bank has been lending in South Florida for over 15 yea ... (view full description)

Daniela Raz

Investment Manager, Legal Counsel
Bentham IMF

Daniela Raz is an Investment Manager and Legal Counsel at Bentham IMF’s New York office. Prior to joining Bentham, Daniela was General Counsel and Chief Operating Officer for LightRay Companies LLC, a distressed asset investor. Before that, Daniela was a partner with the litigation-only firm Kasowitz, Benson, Torres LLP, where she represented primarily plaintiffs in a wide range of complex commercial matters.Daniela’s experience both in-house and as a litigator enable her to assess investment opportunities and advise parties using Bentham’s funding with practical business judgment, well-honed negotiation and trial skills, a ... (view full description)

Stan Rubin

EVP, CFO & Chief Risk Officer
Ocean Bank

Stan Rubin is an executive with over 40 years of diversified financial and governance experience. A proven record of organizational transformation and optimization accomplishments are evidence of his leadership and problem-solving skills.Rubin joined Ocean Bank as E ... (view full description)

Brad Salzer

President
Redstone Investments

As a thirty year real estate professional, Mr. Salzer has focused on the acquisition and servicing of commercial real estate loans since 1991. Having acquired over $500,000,000 in whole-loans either individually or in pools, Mr. Salzer has a proven track record in the resolution of distressed mortgage debt. Mr. Salzer has participated as a buyer of RTC, FDIC and conventional bank assets as well those of private and institutional lenders. In addition to the most common property types, collateral has included golf courses, marinas, churches and a multitude of special-use facilities throughout the continental United States. His strong foundation in the development of real property including, of ... (view full description)

Lunelle Siegel

Senior Vice President, East Region Manager
BBVA

Lunelle Siegel has been involved in commercial credit decision making, lending and banking since 1983.  Over the course of approximately 30 years, she has developed a solid base of knowledge and experience in a diversified array of commercial finance and banking subjects including:  financial and credit analysis (loan underwriting);  loan structure; developing credit scoring for business lending; loan negotiations; loan documentation;  loan restructuring including loan workings and replacement financing; loan administration; and loan portfolio management both as lending officer, portfolio manager, and workout officer. ... (view full description)

Ethan Smith

Partner
Starfield & Smith, P.C.

Ethan is a co-founder and Managing Partner of Starfield & Smith. He focuses his practice in commercial law, with an emphasis on SBA and government guaranteed lending, conventional commercial lending and real estate law.  Represents lenders in SBA closing, licensing, compliance, regulatory enforcement, and guaranty purchase matters  Designated closing counsel for several SBA Certified Development Companies  Represents lenders before the US Small Business Administration  Expert witness on SBA lending matters  Active writer and speaker on government guaranteed lending issues nationwide Ethan has prepared loan documents and performs compliance reviews ... (view full description)

Christopher Swieca

SVP
Wintrust Financial Corporation

No biography specified

Jay Verona

Partner
Shumaker, Loop & Kendrick LLP

Jay represents a variety of institutional and small business clients, and both creditors and debtors in a wide array of business and real estate disputes, including: Collections Foreclosure prosecution and defense Commercial landlord-tenant disputes Contract disputes All types of bankruptcy litigation Jay also frequently serves as a mediator in connection with bankruptcy, commercial, and real estate disputes. While Jay enjoys a reputation as an aggressive and passionate litigator and advocate, his 36 plus years of experience have also taught him that in nearly every case or dispute, there is a business solution to be had. ... (view full description)

Edward Weil

Member
Dykema

Edward S. Weil serves as a member of Dykema's Executive Board and is a member and immediate past Director of the Firm's Financial Industry Group, which brings together over 140 Dykema lawyers who represent financial services firms in various litigation, transactional, regulatory/compliance and restructuring capacities. In his general commercial litigation practice, Mr. Weil represents companies in industries ranging from telecommunications, food technology solutions, airport technology, real estate developers, home security and home furnishing manufacturers, hospitality firms, and business services providers. Mr. Weil litigates a wide variety of commercial matters, including fraud, business ... (view full description)

David Weinstein

Chief Credit Officer
Blacksail Capital Partners

David Weinstein serves as a Chief Credit Officer at Blacksail Capital Partners and IdentiQ Finance. David also assists in overseeing the credit and operational functions at Line Financial and contributes to our overall strategic vision.Before joining Line Financial, David was a principal and senior underwriter for Ares Commercial Finance, a unit of Ares Management LLC. Previously, he was the managing partner of a boutique investment banking and advisory firm, Lakeside Advisors, and a prior to that, a partner in the management-consulting ... (view full description)

Jon Winick

CEO
Clark Street Capital

Jon Winick is President of Clark Street Capital, a full-service bank advisory and asset disposition firm. Managed by seasoned professionals with extensive “buy-side” experience, Clark Street Capital offers intrinsic knowledge and expertise on a wide range of assets from bank portfolio loans to securitized assets. Prior to co-founding Clark Street Capital, Jon Winick was National Marketing Director for Zions Bank, a $53 billion bank headquartered in Salt Lake City. Working for the Zions National Real Estate division, a wholesale acquirer of commercial real estate mortgages primarily from financial institutions, Winick was responsible for acquisitions in the Midwest and national marketing effo ... (view full description)

Tammy Youst

President, SBA & USDA Dept
Centennial Bank

A native of New York, living in Tampa FL for the past 25 years, Tammy has served as the President of the SBA & USDA Department for Centennial Bank for the past 5+ years, a SBA Preferred Lender Provider/PLP (HQ in Arkansas, servicing Florida, Arkansas, Alabama & New York); previously, Vice President/Manager of the Commercial & SBA Dept. for Achieva Credit Union (HQ in FL), Tammy implemented and managed SBA/USDA Departments for the past 10 years, and oversees all aspects of the SBA/USDA processes and procedures for the Bank, from Origination to Liquidation. And, prior to management, she was employed at numerous lending institutions to include Bank of A ... (view full description)
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Event Contacts for 10th Annual Bank Special Assets & Credit Officer's Forum (East)

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(a) any incidental, punitive, indirect, special or consequential damage, loss or expenses, including but not limited to any loss of business, contracts, revenue, or profits, any business interruption, security breach, loss of data, loss of goodwill or reputation or other pecuniary loss suffered by you, even if we or any of our Representatives have been advised of their possible existence; nor? (b) any direct damage loss or expenses arising from loss of customers, loss of profits, loss of anticipated profits or loss of savings.

*Termination. You may terminate this Agreement, for any or no reason, at any time, when IMN receives notice from you. IMN may terminate the Agreement and your account for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice and may include disabling your current and future access to DirectConnect. IMN may also suspend or terminate this Agreement if you invite other users with whom you do not know to connect; abuse the any DirectConnect messaging services; creating multiple or false profiles; infringe on any intellectual property rights, violating any provisions in this Agreement, disparage IMN or its executives, Board members, affiliates, staff or other related entities or persons, or exhibit any other behavior that IMN, in its sole discretion, deems contrary to the purpose of the website.

*No Waiver. Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.

*Entire Agreement. These terms (including any terms incorporated by reference in these terms), constitute the entire agreement between you and us with respect to your access to and use of the website or receipt of any service and supersede all prior agreements, negotiations and discussions between you and us relating to the same.

*Law and Jurisdiction. Where you visit, register and/or subscribe to a this site or related service (as indicated on this website or otherwise notified to you), these terms (and any dispute or claim arising out of or in connection with these terms, including non-contractual disputes or claims), to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of the State of New York. Any action to enforce these terms shall be brought in a federal court or a state court located in the state of New York, county of New York, and you agree to submit yourself to the personal jurisdiction of those courts in any such action.

*Force Majeure. We shall not be deemed to be in breach of these Terms by reason of any delay in performing, or any failure to perform any service or our obligations in relation to these Terms, if the delay or failure was due to any cause beyond our reasonable control, including but not limited to acts of God, explosions, floods, fire or accident, war or threat of war, terrorism or threat of terrorism, sabotage, civil disturbance, epidemics, prohibitions or measures of any kind on the part of any governmental, parliamentary or local authority, import or export regulations or embargoes, or industrial actions or trade disputes (whether involving our employees or of third parties).

*Severability. If any provision of these Terms is found to be wholly or partially invalid, void or unenforceable by any court having competent jurisdiction or by virtue of any legislation or any other reason, that provision shall be invalid, void or unenforceable to that extent only and no further and the validity and enforceability of the remaining provisions of these Terms shall not be affected.

*Notices. Any notice given pursuant to these Terms shall be made by email or first class post, in the case of you, to the address provided on your registration form and, in the case of us, to the address posted on the website or otherwise notified to you in relation to any relevant service. Any such notice shall be deemed to have arrived if sent by post within three (3) days of posting and if sent by email at the time of transmission.
Information Management Network - Privacy Notice

Introduction - Who we are

Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.

For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.

Euromoney is the primary data controller of personal data collected through this website or that we may collect in different ways as described in this Privacy Notice. If you are contacted by our other group companies, they will also be controllers of your personal data. This means that they are responsible for how your personal data is used, just as we are. You may contact any of these companies directly, or you can contact Euromoney by emailing dataprotectionofficer@euromoneyplc.com or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.

This Privacy Notice was updated on 23 May 2018

Our Approach to Your Privacy

This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.

Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.

We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.

When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).

We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).

What Personal Data We Collect & Why

Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.

  • Registration, Free Trials & Subscriptions

    When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.

    If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.

  • Events & Conferences

    If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.

    This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.

    We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.

  • Advertising & Marketing

    We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.

    Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.

    You can opt out from receiving such materials at any time.

    The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).

    Marketing materials are sent electronically, by post and we may occasionally call you.

  • Online Targeted Advertising

    We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.

    We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.

  • Lead Generation and Scoring

    We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.

    We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.

  • Surveys, Market Research & Customer Feedback

    We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.

  • Public forums, message boards and blogs

    Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.

  • Business or Asset Sale

    If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.

    If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.

  • Additional Third Party Disclosures

    We may disclose your personal data to other third parties in the following situations:

    • To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
    • Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
    • If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
  • Email Tracking

    We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.

We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:

  • Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
  • The business rationale for collection and expiry of the purpose for which personal data was collected;
  • Our ongoing ability to ensure the accuracy of the data; and
  • Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which include the following:

  • Access & Portability

    You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.

    You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.

    If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.

  • Rectification, Restriction, Objection

    You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.

  • How to Exercise Your Rights

    To exercise any of these rights, please contact us by post or email at the following addresses:

    Euromoney Institutional Investor PLC
    8 Bouverie Street
    London, EC4Y 8AX
    United Kingdom

    Email: dataprotectionofficer@euromoneyplc.com

    Web form: Complete Subject Data Request Form

    We may need to check your identity prior to processing a request.

    Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.

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