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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

President, SBA Division
Bank of Edison

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, Small Business Lending, Chief Creidt Officers Roles & Issues and Special Assets Management Issues. 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 Associ ... (view full description)

Brian Bailey

Subject Matter Expert, CRE
Federal Reserve Bank of Atlanta

Brian Bailey is the Subject Matter Expert in the Supervision and Regulation Division of the Federal Reserve Bank of Atlanta. Brian is responsible for thought leadership in commercial real estate and providing guidance on valuation issues. Brian has extensive experience with commercial real estate valuation, transaction, development, and financial issues. Brian's experience spans both the public and private sectors. Prior to joining the Federal Reserve Bank of Atlanta, Brian was employed by the private equity firm Tavistock Group to oversee real estate finance and acquisitions. He was responsible for valuation, directing due diligence and financial modeling operations, which included assessin ... (view full description)

Edgar Bermudez

Sr Vice President
Wells Fargo Bank

William Bowden

Managing Partner
Ashby & Geddes PA

Bill is the President and Managing Partner of Ashby & Geddes and leads the firm's Bankruptcy and Insolvency Group. Bill has devoted the last 28 years of his career to counseling clients in restructuring matters, primarily in proceedings pending in the United States Bankrutpcy Court for the District of Delaware. Bill's engagements, as both lead and as "Delaware" counsel, include debtor/company side matters, and creditor constituents of all types and varying stakes, including official committees and ad hoc groups of secured and unsecured creditors, "DIP" lenders, secured, undersecured, and unsecured creditors, contract counter-parties, and stalking horse and prospective purchasers of asset ... (view full description)

David Brooks

Managing Director
Alliance Partners

David is a Managing Director of Client Services at Alliance Partners. Prior to Alliance Partners, David worked at FBR & Co and JP Morgan where he was an investment banker in their financial institutions group covering banks & thrifts. He began his career at BankBoston in their financial institutions group after completing their Corporate Banker Program. After the Bank of America acquisition of Fleet, he helped start the correspondent banking group at Eastern Bank, an $10B mutual bank in Boston. David received his B.A. from Union College.

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

Managing Director
Directed Capital

Cameron Childs Senior 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. ... (view full description)

Lorain Cooper

Chief Risk Officer
Cooperative Business Services

Lorain Cooper serves as Chief Risk Officer at Cooperative Business Services (“CBS”).  As the CRO, Lorain is responsible for the legal, closing, compliance, risk and special assets divisions.  During her 13 ½ years at CBS, she has served as a business development officer, originating SBA 7a, 504 and commercial loans, underwriter and began the Special Assets department.  She successfully restructured departments combining legal, closing and compliance and launched new product lines to provide further risk management and oversight of trends within portfolios and to prepare for CECL.  Lorain has over 30 years of banking experience, previously working at First Union National Bank in the Spe ... (view full description)

Anthony Delas

T. D. Consulting, LLC

Tony is a manager of T. D. Consulting, LLC which specializes in turnaround and M/A situations for small to mid-market companies invloving manufacuring, distributorships, component suppliers, contract manufacturing, and real estate investments. Tony's background includes over 20 years of industrial experience in operations, manufacturing, engineering, supply chain, quality and offshore operations, mergers and acquisitions in startups to Fortune 100 companies, and about 15 years as a bankruptcy attorney. During this time Tony has been a member of Turnaround Management Association and American Bankruptcy Institute. Our objective is to keep you out of bankruptcy court! T ... (view full description)

Carlos Delgado

Head of Special Assets Department
International Finance Bank

Carlos Delgado is a Sr. Vice President Head of Special Assets, Closing and Loan Operations Department, at International Finance Bank.  Mr. Delgado has three decades of experience in Special Assets focusing on workouts, note sales and litigation as well as managing the bank’s OERO.  Additionally, he currently oversees the Closing and Loan Operations Department and ensures regulatory compliance.

Dale Frankhouse Jr.

Director of Business Services
Sun Federal Credit Union

Dale has 34 years of real estate experience including the past 29 years in lending management at Sun Federal Credit Union, a $515 million asset credit union that serves more than 36,000 members in Toledo, OH and Philadelphia, PA.  Dale continues to play a key role in the growth and development of the credit union’s lending program and currently heads Sun Federal’s business services program which he launched in 2008.   He has been a member of the Credit Union National Association (CUNA) Lending Council since 1997;  served on its’ Executive Committee for six years and continues to serve on its’ Member Resource Committee.  Dale has served on the Editorial Advisory Board for Credit U ... (view full description)

Reed Gillis

Director of Acquisitions
LS Capital

Reed Gillis is the Director of Acquisitions at LS Capital. His responsibilities include business development, deal sourcing and underwriting. Reed has held various roles in the distressed and restructuring secondary market for more than 19 years. During that time, he has completed more than $700 million in loan purchases, originations and restructures in commercial real estate, commercial & industrial loans, equipment leases, asset based loans and 1-4 single family residential loans. Reed holds a bachelor’s degree in finance from Colorado State University and is an active member of the Turnaround Management Association and the American Bankruptcy Institute.

Chris Glenos


Chris is an insolvency litigator and creditor's rights attorney with over 25 years experience  representing lenders in commercial litigation, workouts, restructurings, lender liabilty claims, avoidance litigation and contested bankruptcy matters.   Chris chairs Bradley's Bankruptcy, Restructuring and Distressed Investing practice group and its Creditor's Rights practice group.  

Michael Grad

Managing Director, Corporate Finance
Chartwell Financial Advisory

Michael leads Chartwell’s Financial Restructuring practice, advising parties on debt restructurings both in and out of bankruptcy.  With more than 30 years of experience in the investment banking and insurance industries, he also provides execution leadership on other Corporate Finance engagements by utilizing his extensive background in debt restructuring, M&A, and leveraged financing. Prior to joining Chartwell, Michael was a Senior Managing Director in the Restructuring Group at AIG, which was responsible for successfully repaying $182 billion of government assistance.  Michael was involved in the repayment of the Federal Reserve Bank ($49B), asset sales ($55B), capital markets ... (view full description)

Kenneth Grams

Kinetiq Group

Ken Grams is a high-achieving executive with more than 25 years of experience in asset management, quality growth initiatives, and as a straight speak strategist in the financial services industry. An exemplary career history serving on c-suite committees to unify enterprises and administer effective leadership.  Visionary leader with the proven ability to direct multi-billion dollar institutions and diverse portfolios, while producing a measurable record of success for both institutions, clients, and strategic partners. *  *  * Select Career Highlights: Transaction volume experience of over $10 Billion (United States and Latin America). Portfolio management of ... (view full description)

Terri Gumula

Vice President
Citi Community Capital

Ms. Gumula is an accomplished real estate professional with comprehensive experience in all aspects of commercial properties including loan workouts, acquisitions, financing, receiverships and asset management. Her experience includes office, industrial, retail, multi-family, affordable housing, hotel, medical office, telecommunications facilities, etc. She is currently with Citigroup's Citi Community Capital division where she is responsible for loan workouts and dispositions of mostly affordable housing within the firm's CRA mandate. Prior to that she was with Real Estate Capital Partners where she acquired over 2 million square feet of institutional quality US real estate on behalf of f ... (view full description)

Ben H. Harris, III

Jones Walker LLP

Ben Harris is a partner in the firm's Business and Commercial Litigation Practice Group and practices from the firm's Mobile office. His practice includes complex civil litigation, securities litigation, and litigation involving financial institutions, and he represents financial institutions in lender liability actions, suits to enforce creditors' rights, and in suits relating to operational matters. Mr. Harris also represents troubled financial institutions and their officers and directors across the country. Recently, Mr. Harris obtained successful jury verdicts in complex, multi-million-dollar cases in the United States District Court for the District of New Jersey and in the ... (view full description)

Lee Hart

Nelson Mullins Riley & Scarborough LLP

Lee Hart practices on the Real Estate, Finance and Restructuring Team and focuses on restructuring, finance, workouts and bankruptcy. He also maintains a real estate finance origination practice, closing both bridge and stabilized loans for regional and national financial institutions. Lee counsels his clients across the entire spectrum of workout and recovery of real estate loans. He guides his clients through the consensual modification and restructuring of loans to accommodate economic realities and reduce exposure, the prosecution of foreclosure actions in both judicial and non-judicial jurisdictions, the exercise of provisional remedies to protect collateral value such as receiverships ... (view full description)

Jim Howard

Senior Managing Director
GlassRatner Advisory & Capital Group, LLC

Jim Howard works in our Miami, FL office. He comes to GlassRatner with over 25 years experience within the financial services industry, close to 20 years of which was dedicated to problem loan resolution. Immediately prior to joining GlassRatner, Jim was a Senior Vice President of Wachovia Bank, most recently serving as the Market Manager for their West Florida Real Estate Financial Services division. In this capacity Jim was responsible for originating and managing a portfolio of over $2.4 Billion in commercial real estate loan commitments and a staff of four Relationship Managers. Jim started his career with the Bank of Oklahoma (formerly Fidelity Bank, NA) in Oklahoma City. After completi ... (view full description)

Daniel Jaramillo

Strategic Properties

Daniel Jaramillo is an Economist & Mathematics graduate of Florida International University. Daniel has selected, negotiated and managed investments of over $150 million dollars and procured financing of over 30 investment properties. As one of the founders of Strategic Properties LLC, he spearheaded the development of an efficient model to manage moderately priced multifamily properties in a more cost-efficient way, thus netting similar, if not higher, yields than large multifamily complexes. As a technology enthusiast, Daniel led Strategic Properties in becoming paperless and was able to move many office operating duties overseas, thus reducing the company’s overhead. ... (view full description)

Michael Jimenez

Founder & CXO
Xchange.Loans Inc.

Michael is the CXO and co-founder of Xchange.Loans - "Your loan sale marketplace". Michael's focus is helping lenders, servicers & asset managers value & sell their NPLs.
Michael has been involved with loan & OREO sales since 2008 when he was with ING Investment Management. He also spent time as VP with, as an industrial associate at Trammell Crow Company, and worked in loan originations with Grandbridge Real Estate Capital.

Robert Milam

Managing Director - Acquisitions
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

U.S. Bank

Joel Minamide is a Senior Vice President and Senior Team Lead in the Special Assets Group of U.S. Bank in Irvine, CA. He oversees a team of professionals who manage a West Coast portfolio of problem and distressed loans. He is also a cohort/mentor in U.S. Bank's Risk Management & Compliance Multicultural Group, which focuses on various DEI issues.  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 beca ... (view full description)

Christopher Moench

Founder & CEO
Directed Capital Resources, LLC

Mr. Moench is the founder of Directed Capital and serves as the Chief Executive Officer.  His responsibilities include strategic oversight of the company’s operations: Asset Acquisition, Asset Management, Capital Formation, and Administration.   He has extensive experience in mortgage acquisitions and workouts, real estate development, and investing.  He has innumerable contacts in the secondary market for commercial real estate loans, the investment banking community, and the commercial real estate industry.  He brings proven leadership to the Directed Capital team developed through his many years of industry-specific experience.   He received his Master of Business Administration fro ... (view full description)

Bliss Morris

Founder & CEO
First Financial Network

After an early career with FDIC during the S&L banking crisis, Bliss Morris established the first loan sale advisory firm in the nation, First Financial Network (FFN) in 1989 and is recognized as a pioneer in creating the market for whole loan sales. As Founder and CEO of FFN, Bliss has been involved in loan sales longer than any other executive in the industry. Ms. Morris is a market maker, creating institutional and private equity investor relationships and structuring loan sales that provide monetary value to FFN’s clients. Ms. Morris has led both the company and its extensive client base skillfully through numerous economic cycles, each with its own complexities and chall ... (view full description)

Michael Musso

Managing Director
Conway Mackenzie

Michael Musso is a senior operations, turnaround and restructuring executive with 30 years of experience in leading and rebuilding underperforming companies as Chief Executive Officer, Financial Advisor and Chief Restructuring Officer. He has a “blue chip” consumer products foundation having served in various leadership roles of increasing scope at Procter & Gamble, Pepsi Cola and Frito-Lay. A graduate of the University of Tennessee, Knoxville, Mr. Musso has been a presenter at the UT MBA Executive in Residence program and currently serves as a presenting member of the Consumer Packaged Goods “Boot Camp” for MBA students. He is a member of the American Bankruptcy Instit ... (view full description)

Michael Nanosky

Janus Hotels and Resorts

Mr. Nanosky has over thirty-five years experience in all aspects of the hospitality industry.  In 1989, Mr. Nanosky joined Beck Hospitality as a partner and President.  He quickly developed Beck Hospitality into a top 20 hotel management company, successfully managing over 250 hotel properties for the RTC and various lending institutions and servicers.  He was also instrumental in the successful reverse merger of Beck Hospitality into Janus Hotels and Resorts, Inc., a publicly traded company.           Today, Mr. Nanosky serves as President and Partner of Janus Hotels & Resorts, which is privately owned. Janus Hotels and Resorts owns and/or manages over 27 hotels with 8,000 guest rooms t ... (view full description)

Andrew O'Connor

Senior Vice President, Risk Management & Special Assets
Cooperative Business Services

Andrew “Drew” O’Connor is a Senior Vice President of Risk Management & Special Assets at Cooperative Business Services where he leads a team to minimize loss of distressed assets and maximize recoveries for his clients. During his 15+ year career, Drew has worked for multiple financial institutions including US Bank, Nationstar and now works with over 100+ financial institutions in his current role. Drew has resolved a variety of issues to bring the troubled assets back to a performing status through proactive management and restructuring efforts.  Drew understands the costs, time and impact associated with the turnaround or exit of a complex credit relationship with resolution rates at ... (view full description)

James Paul

Director of Receivership
ALPS Group

ALPS Group specializes in State and Federal Receivership, Property Management, Property Preservation & Construction and Real Estate Sales & Leasing. ALPS Group services are provided nationwide.   Service types include retail, golf courses, mobile home parks, residential and mixed use developments, multi-family, gas stations, car washes, storage facilities, medical facilities, hotels/motels, restaurants, mid-rise, condominiums, daycares, warehouses, office parks, OEM, construction sites, equities recovery, business operation and disolution. ALPS Group provides a wide range of cost-effective services, including assisting clients ... (view full description)

Joshua Pichinson

Vice President – Head of AgencyIP
Sherwood Partners, Imd. | agencyIP, LLC

Joshua Pichinson joined Sherwood Partners, Inc. in 2011 and has been involved in the areas of corporate restructuring, Assignments for the Benefit of Creditors and has a major focus on Intellectual Property (IP) monetization. He has a deep understanding of how to maximize value through the sales and licensing of IP. Since 2013 Mr. Pichinson has actively been involved and spearheading the activities for agencyIP, a sister company to Sherwood Partners. He has taken the lead in the sales and licensing of the IP for both Sherwood Partners and agencyIP clients. He has worked closely with Fortune Companies to individual inventors and owners of IP developing strategies, and negotiating the sales a ... (view full description)

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)

Kimberly Rayer

Starfield & Smith, PC

Kim is a partner of Starfield & Smith, PC, where she concentrates her practice in commercial financing, including government guaranteed lending programs, business and real estate acquisitions, and other secured credit transactions. As closing counsel for small business lenders nationwide, she has extensive experience in all aspects of the Small Business Administration's 7(a) and 504 loan programs, from underwriting and closing, to work out and guaranty purchase submissions. Kim is a regular presenter on SBA eligibility, closing and compliance matters, as well as provides custom training programs for clients. She also assists lenders with loan modifications and work outs in compliance wit ... (view full description)

Edwin G. Rice


Ed Rice's practice focuses primarily in the areas of banking and insolvency. He has represented lenders, lessors, trustees, committees, and debtors in chapter 11 cases and has extensive legal experience in mortgage foreclosures, workouts, lending transactions, lending-related litigation, and assignments for the benefit of creditors. Ed's bankruptcy experience includes the defense and prosecution of preference actions, fraudulent transfer actions, and other avoidance actions, claims litigation, dischargeability actions, relief from stay litigation, valuation litigation, contested confirmations, director and officer claim litigation, lease assumptions and rejections, bankruptcy sales, and debt ... (view full description)

Lyndsay Rowland

Starfield & Smith, P.C.

Ms. Rowland has extensive experience representing banks, equipment finance companies and other lending institutions with workouts, restructuring, litigation, bankruptcy and foreclosures related to their commercial loan portfolios.  Additionally, since joining Starfield & Smith, P.C., Ms. Rowland has developed a specialty practice in workouts and liquidations of SBA guaranteed loans.  Ms. Rowland is admitted to practice before the Supreme Courts of Pennsylvania and New Jersey and the Federal District Courts for the Eastern, Middle and Western Districts of Pennsylvania and the District of New Jersey.  She is a member of the NAGGL as well as the Turnaround Management Association (TMA) – Phi ... (view full description)

Michael Ryan

President & CEO
Innovative Financing Solutions

As the son of an accountant, Michael Ryan learned the importance of detail and precision when working with numbers early in life. But when Mr. Ryan founded Innovative Financing Solutions (IFS), he learned business success went beyond understanding the numbers. It was about helping people and their businesses through difficult and challenging times. He realized he could use his knowledge and skills to help small-business owners attain funding to invigorate their businesses. These businesses in-turn could create the jobs necessary to support the livelihood of their employees and families, and build and strengthen the communities they serve.  Today, IFS is a leading consultant to community bank ... (view full description)

Brad Salzer

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)

Daniel Shorr

SMS Financial, LLC

Mr. Shorr joined SMS Financial in April of 2004. As a Partner of the firm, Mr. Shorr is responsible for achieving and sustaining the growth strategy for SMS. His directive includes oversight of all business development, underwriting analysis, portfolio metrics and profitability projections, as well as leading and managing the acquisitions team. During Mr. Shorr's tenure managing the growth strategy of SMS, he has successfully assisted in closing acquisitions of over $1.3 Billion in debt obligations spanning across all commercial asset classes. Mr. Shorr also has extensive experience in litigation oversight, foreclosure management, settlement negotiations and real estate liquidation. He holds ... (view full description)

Christopher Swieca

Wintrust Financial Corporation

Chris is a Senior Vice President, and the Director of OREO for Wintrust Financial Corporation, a diversified bank holding company which includes 15 separate bank charters. He is a seasoned workout professional with over 30 years of distressed asset liquidation experience with a concentration in real estate across all product types. He has an extensive litigation background and brings a strong tactical acumen to the table to facilitate the reposition and disposition of troubled assets.  Chris holds an LL.M in Financial Services Law but is not an attorney.

Gary Treisman

Machinery Network

Mr. Treisman started Machinery Network in 1987 and, since then, has managed, appraised, and sold over $1 billion of machinery and related manufacturing and industrial assets.   To fill the growing needs of his clients, and as the demand for high quality used machine tools grew, Gary created Machinery Network Auctions to better facilitate the liquidation  and monetization of his client-partner’s surplus assets. Gary received his education at University of the Witwatersrand in South Africa.   He began his career in the United States as a highly successful stock broker from 1982 to 1987.  Gary has sat on the board for Location Machinery and has held several leadership roles in multiple business ... (view full description)

Scot Wetzel

Founder & CEO
Crestmoor Capital Partners

Brings more than 25 years of broad financial services industry experience to Crestmoor, which he founded in 2010. Previously, Mr. Wetzel served as the Colorado CEO and Chairman of Compass Bank (now BBVA Compass), where he grew the company from inception to over $2 billion in assets and more than 30 branches, and as a private equity investor and executive in the community banking sector. Mr. Wetzel has directly managed, or overseen as CEO, many diverse businesses including energy banking, municipal finance, mortgage banking, SBA lending, brokerage operations, trust businesses, insurance businesses, and new markets tax credit funding. Served for 7 years as an independent trus ... (view full description)

Peter Zalewski

Condo Vultures LLC

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Event Contacts for 9th Annual Bank Special Assets & Credit Officer's Forum (East)


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*Third Party Information. Some of the information you access here is the property of third parties, made available here with the express permission of those third parties. IMN is not responsible for the content of any third party information provided on this website. You are cautioned that any further use of that information by you may be subject to the rights of those third parties and you may be required to obtain a license to use any such information. Failure to obtain third party permission may be a violation of federal law. You should contact the third party provider of the information to ascertain the requirements for using the information.

*Copyright and Trademarks. The layout of the website pages, graphics and pictures used and the collection of individual contributions are protected by copyright. All copyrights belong either to IMN, the third-party content providers or both. Either IMN or the third-party content providers own all trademarks and service marks depicted here.

*Indemnification. You agree to indemnify hold harmless and defend IMN, including our employees, officers, agents and contractors and our related entities and their employees, officers, partners, agents and contractors ("Indemnified") and continue to keep the Indemnified indemnified from and against any actions, proceedings, claims, demands, costs (on a full indemnity basis including, without limitation, reasonable legal and accounting fees) brought or made against the Indemnified by any person arising in connection with your use of the Website or content, or a breach of your representations and warranties in the Terms and Conditions of Use or this Agreement, or your violation of any of the Terms and Conditions of Use or this Agreement or any other activity in which you engage on or through, and from and against any damage, loss(whether personal or property, and whether direct or consequential, including without limitation consequential financial loss), cost or expense suffered or incurred by any Indemnified as a direct or indirect consequence thereof.

*Changes in Terms and Conditions. IMN may at any time revise the terms and conditions by which you may access the website or use IMN products or services. By using this website and IMN products and services, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current version of this document.

*Limitation of Liability. Neither we, nor any of our suppliers, officers, employees, partners, affiliates, subsidiaries, successors and assigns, agents or representatives (our "Representatives") will be liable to you for:

(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 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


    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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