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Elizabeth Anderson

Conference Producer

Sacha Bacro

Managing Director

Sacha M. Bacro, Managing Director, is co-head of the Opportunistic Investment business and a member of Americas Fixed Income within Alpha Strategies. Mr. Bacro is co-lead portfolio manager of the Special Credit Opportunities funds, BlackRock's principal opportunistic credit platform, and is a member of the platform's Investment Committee. In his role, Mr. Bacro works globally evaluating, capturing and adding alpha generating strategies derived from the evolution of fixed income markets. Since the beginning of the financial crisis, Mr. Bacro has led BlackRock's engagement in over $40 billion of alternative investment opportunities and solutions including: the C ... (view full description)

Brian Bartaby

Founder & Chief Executive Officer

CEO and founder of Proplend, a Peer to Peer lending platform that connects investors directly to borrowers with loans secured against UK income producing Commercial Property. In 2003 Brian founded Longcross Capital, a firm specialising in providing financial solutions for real estate investors and developers. He spent 12 years successfully structuring funding deals to meet his clients ever changing requirements, which ultimately led him to develop the Proplend platform. Prior to property finance he spent 13 years working in London, NY and HK managing FX and Options trading desks where he developed a solid understanding of risk. Proplend specialises in meeting the loan requirements of the ... (view full description)

Francesco Battazzi

Head of Diversified Loan Fund Investments
European Investment Fund

Francesco is responsible for the Analytics & New Products team, focusing mainly on new products and their internal credit framework. He is a senior officer of the debt products department of the European Investment Fund (EIF). Prior to joining EIF in 2009, he worked for a decade in structured finance and credit solutions, at Morgan Stanley & Co. International (UK) and Capitalia (IT). He holds a master's degree in Economics and Business from the University of Perugia and, repeatedly, has been lecturer and conference speaker on structured finance products and related modelling.

David Bell

Capital Markets - Business Development Director

Suzanne Bell


Suzanne Bell is a partner in the Capital Markets Group in Cadwalader's London office. She advises leading financial institutions and corporations in connection with a wide range of domestic, European and International structured finance and capital markets transactions. Her experience includes structuring and documenting commercial paper conduits and structured investment vehicles; and public and private securitisations of a range of asset classes including auto loans and leases, consumer loans (including in respect of handsets, insurance premia and other payment plan products), corporate loans (including SME and middle-market), credit card receivables, equipment leases, inventory receivable ... (view full description)

Stéphane Blanchoz

Chief Investment Officer Alternative Fixed Income
BNP Paribas Asset Management

Stéphane Blanchoz is the Chief Investment Officer (CIO) for Alternative Debt Management. He is responsible for defining and piloting the management process and the investment strategy implemented by the management team. He actively participates in designing and developing the product range. He joined BNP Paribas’ asset management arm in 2004 after four years as an auditor for BNP Paribas “Inspection Générale”. Previously, Stéphane worked as a Risk Manager in Tokyo for BNP (1997-1999) and for Pechiney (1996). He started his career in 1994 in Sydney with Pechiney within the Finance Department for Treasury activities (FX, Money Market, Commodity & ECP issuances). He holds a Master Degree in ... (view full description)

Niall Bohan

Head of Unit, Asset Management
European Commission

Niall Bohan (b. 1967) studied economics at Trinity College Dublin (1984-1988) and the College of Europe in Brugge, Belgium (1988-1990). He worked at the Centre of European Policy Studies, Brussels before joining the European Commission in 1994 where he has worked in a variety of technical and management, principally focussed on financial market regulation. This includes responsibility for drafting the COM proposal for MiFiD (2000-2002), serving as Deputy Head of Unit for financial policy coordination (2002-2004) and as Head of Unit for the Asset Management unit between 2004 and 2009. Between 2011 and 2013, he was seconded to the Task Force for Greece (DG ECFIN), where he coordinated the prov ... (view full description)

Jerome Camblain

Sales, Partner
Smart Lenders Asset Management

Jerome Camblain is a partner of Smart Lenders Asset Management, a London based "full scope AIFM" manager specialised in purchasing loans issued through online marketplaces. Prior to that, he was a Senior Managing Director at Bear Stearns (Head of European Sales) and held other senior job throughout his 17 years carrier in Credit and financial structuring He graduated from Paris Université Paris Dauphine: MSG & DESS 203.

Kawai Chung

Venn Partners

Kawai leads the credit analysis, funding and structuring expertise to the Venn Partner’s mortgage investment activities and is responsible for managing Venn’s residential mortgage portfolios. Prior to joining Venn, Kawai spent over 10 years at the Royal Bank of Scotland where he arranged financing structures for a number of different assets classes including commercial real estate, residential mortgages, consumer finance, trade finance and auto receivables. Kawai holds a postgraduate degree from the London School of Economics and an undergraduate degree from University College London.

Tim Clay

Director, Automated Treasury Solutions

Tim Clay is a Director at RBS and works in the Automated Treasury Solutions business. The team is redefining how RBS interacts with our clients and Tim is at the forefront of the development of RBS’ automated product offering for Financial Institutions, Specialist and Marketplace Lenders. He is leading the rollout of the award-winning MicroRates platform – RBS’ automated tool for delivering RBS’ market leading hedging and financing capabilities through the use of the latest technology. Prior to joining RBS Tim worked across a range of roles at Capital One Bank and ABN AMRO, focussing on Retail Deposit lending, Treasury management, Securitisation and Derivatives. Tim holds a BSc in Natu ... (view full description)

Tim Davies

Chief Investment Officer
Blackstar Capital

Tim has over 25 years’ experience in capital markets securitisation with blue chip global banks, including RBC Capital Markets, RBS and Lloyds. More recently, he has been on the leading edge of applying scalable ‘Fin’ to suit ‘Tech’ business models, specifically in the working capital space. He joined Blackstar from NatWest Markets where he established a unique digital, capital markets-based supply chain finance product. In the previous four years, as CIO he designed and built MORE Finance, Demica’s capital markets captive finance vehicle, as well as serving on the management team and as Head of Origination. He brings an evolutionary approach to trade finance product design and investor enga ... (view full description)

Stephen Day

Cadwalader, Wickersham & Taft LLP

Stephen Day is a partner in the Capital Markets Group of Cadwalader’s London office. He advises leading financial institutions and corporations in Europe and the United States in connection with a wide range of structured finance and securitisation transactions, with a focus on complex cross border deals. His work in this area includes structuring commercial paper conduits, structured investment vehicles, multi-country receivables (trade, auto loan/lease, credit card) securitisations, portfolio sales and financings, securitisation of bridge and private equity take-out deals, whole business transactions and intellectual property financings. Stephen has been named as a leading individual in se ... (view full description)

Goncalo De Vasconcelos

Co-Founder & CEO

studied civil engineering in his native Portugal before moving to London for
his masters at Imperial College. He decided to stay in the UK, working in
consultancy on some major infrastructure projects, and graduated with an MBA
from Judge Business School (part of the University of Cambridge) in 2011. He is
a contributor for Forbes and writes regularly about business angel investment
and equity crowdfunding. Hes also one of the best-networked people in the
industry, having interviewed most of the highest profile Business Angels in the
United Kingdom.'

Olivier Defaux

Managing Director

Olivier Defaux, Managing Director, is a member of BlackRock's Financial Markets Advisory Group within BlackRock Solutions. The Financial Markets Advisory Group advises clients in managing their capital markets exposure and businesses. He provides advisory services focusing on loans and securitized structured products to major financial institutions. Prior to joining BlackRock in 2009, Mr. Defaux managed risk at Merrill Lynch's Alt-A and subprime origination platforms in the UK and was responsible for trading whole loans. He also oversaw the Quantitative Structuring & Analytics group and the development of risk platforms. Prior to joining Merrill Lynch, Mr. Defaux held a variety of positions ... (view full description)

Christian Faes

Exec Chair & Co-Founder

Christian is the co-founder of LendInvest, the marketplace platform for property finance, and one of the leading Fintech businesses in the UK. LendInvest has lent over £3 billion and raised debt and equity, from institutions such as Atomico, the European Investment Fund, Tiger, Citibank, HSBC, Nomura, and the National Australia Bank. Christian was previously a lawyer with Magic Circle experience and as in-house legal counsel in a leading investment bank. He is a keen advocate for the Fintech sector, and sits on the Government’s Fintech Delivery Panel; he also founded and chairs the Digital Finance Forum. He is an active supporter and early investor in several startups, including ... (view full description)

Robert Fergusson

MD, Institutional and Corporate Relationships

Daniela Francovicchio

Head of Securitisation
European Investment Fund

Daniela Francovicchio leads the South European Unit of the Guarantees and Securitisation team at the European Investment Fund. Prior to joining EIF, she worked in London for some of the major American and European investment banks. In her current role at EIF, she is involved in selecting and executing SMEs securitization transaction to which EIF and or EIB participate by taking part of the risk of the underlying portfolio.

Oliver Gajda

Executive Director
European Crowdfunding Network

Oliver is founding Chairman and Executive Director at the European Crowdfunding Network and has been driving its professional activities with a view to establish an independent industry representation for the emerging crowdfunding sector and to help shape a progressive capital market union in Europe. Oliver is an Advisory Board Member at Förderkreis Gründungs-Forschung e.V. (FGF) and a member of the European Crowdfunding Stakeholder Forum at the European Commission and co-founder at Lendery, a FinTech company offering technology and information for institutions to invest across online-lending platforms in Europe and the US. The past decade, Oliver has worked with venture capital, microfinanc ... (view full description)

Angela Galardi Ceresnie

Chief Executive Officer
Climb Credit

Angela Galardi Ceresnie is the CEO of Climb Credit, an education finance company that evaluates the return on investment of education programs and helps consumers find, evaluate, and finance these programs to increase their earning potential. She joined Climb as the Chief Operating Officer in 2016 and quickly helped shape the operations, culture, and future of the Climb, earning her the role of CEO in 2018. Prior to Climb, Angela co-founded and was COO/CFO of Orchard Platform—a provider of software and data products offered to institutional investors to purchase loans from marketplace lenders [acquired by Kabbage]. Before her time at Orchard, she spent 9 years running credit risk analytics t ... (view full description)

Andrea Giannelli

Senior Partner
Legance - Avvocati Associati

Andrea Giannelli heads the Banking and Debt Capital Markets Departments of Legance. Mentioned by the major league tables and legal directories, Andrea is widely acknowledged as a key player in banking, structured finance and DCM transactions. He has been involved in a large number of complex transactions, being always at the forefront of the major bond issues under Euro Medium Term Note / Global Medium Term Note programmes or on a stand-alone basis, liability management transactions, securitisations and other structured finance transactions (including in particular CMBs and NPLs portfolio transfers) as well as bonds placed on domestic and international markets, including innovative capital i ... (view full description)

John Goodall

Chief Executive Officer & Co-Founder
Landbay Partners

John is CEO and co-founder of Landbay. Landbay is the only peer-to-peer platform to operate solely within the British residential buy-to-let mortgage market. Landbay offers an alternative for both retail and institutional investors to traditional saving and lending, always secured on bricks and mortar. John launched Landbay in May 2014 with property finance and investment expert, Gray Stern. Landbay is a member of the P2PFA and it is the fastest growing P2P lender in the UK (AltFi data). Previously, John co-founded and managed a leading international executive search business. He then taught economics at a leading UK educational establishment before completing an MBA and returning to the Cit ... (view full description)

Josina Kamerling

Head of Regulatory Outreach
CFA institute

Josina is responsible for supporting CFAInstitute's policy development, in the Europe, Middle East, and Africa (EMEA)region, advancing the impact of advocacy efforts, and promoting capital marketintegrity and investor protection issues.Prior to joining CFA Institute, Josinawas a Specialist Adviser on financial services in the European Parliament for sixyears, advising most significantly the Economic and Monetary Affairs Committeeand the Special Committee on the Financial, Economic and Social Crisis on allaspects of financial services policy issues and technical information. Prior tothis, Josina was a banker f ... (view full description)

Manish Kapoor

Managing Principal, Vice Chairman
West Wheelock Capital, Fixed Income Inv.

Manish has 17 years of experience in creating capital market origination platforms, structuring and originating principal transactions and investing in credit assets. He has led over $20 billion of transactions and restructured assets and liabilities for the largest global bankruptcy at the Lehman estate. He continues to focus on investment and liquidity strategies in credit assets. Prior to working at the Lehman bankruptcy estate, Manish worked in principal groups at Lehman and Bear Stearns in New York, where his mandate was to utilise the firm’s balance sheet to invest in proprietary cross-asset transactions in multiple jurisdictions. Manish has extensive experience in evaluati ... (view full description)

Ioanna Victoria Kyritsi

Senior Structured Finance Manager
European Investment Bank

Barry Lane

Investcorp Credit Management

Barry is a Director with responsibility for European CLO issuance and working on strategic growth projects of the business. During his time with 3i Debt Management, the predecessor to Investcorp Credit Management ("ICM"), Barry was involved in a number of strategic transactions, including the establishment of 3i Debt Management in 2011 through the acquisition of Mizuho Investment Management and the transaction to establish 3i Debt Management US. He has worked on the issuance of each of ICM’s nine European 2.0 CLOs and led the fund structuring of ICM’s European Middle Market Fund. He is a committee member of the BVCA Alternative Lending Group. Barry studied Economics a ... (view full description)

Tin Lau

Head of Financial and Strategic Risk

My early background includes: earning a dual-honours Masters in Engineering from the University of Warwick, being called to the Bar of England and Wales in 2004, qualifying as Chartered Accountant (ACMA, CGMA) in 2006, holding an investment management certificate (2007), CFA level I (2008) and qualifying  as a Chartered MCSI (2010).  My experience includes three years as a financial services/SOX auditor focusing on investment banking and pensions companies. I was then a quantitative analyst and portfolio manager of a multiasset hedge fund for six years in the asset management arm in a leading Swiss bank with an AUM of CHF 63B. In addition, I worked at PIMCO for almost ... (view full description)

Stuart Law

Chief Executive
Assetz Capital Limited Group of Companies

Stuart is the CEO and founder of the Assetz group of companies incorporating one of the largest private investor customer bases in the UK. He founded the Assetz Capital businesses, including Assetz SME Capital, as a solution to the shortage of capital available to businesses and property developers from the failed banking system and in order to provide enhanced and diversified returns for Assetz group investors who wish to invest in this new asset class. Stuart is a serial entrepreneur and a highly experienced businessman having run his own businesses for 30 years.

Michael Lee

Fund Director
Irish Strategic Investment Fund

Bjorn Lindvall

Chief Executive Officer & Founder
CreditSquare Ltd

Fergal McGrath

Chief Executive Officer & Co-Founder

Dilosk is an Irish financial services company and are the first specialist Buy-to-Let lender in Ireland. They initially entered the Irish mortgage market in 2014 through the acquisition of ICS Mortgages from Bank of Ireland, which included a portfolio of €223 million of mortgages. In January 2017, they announced a €200 million facility to boost the rental market in Ireland Fergal McGrath is a Senior Banker & Portfolio Manager operating within the international capital markets for over 20 years. Former Global Head of Portfolio Management Group & Managing Director at Dexia Group responsible for the management of one of the largest fixed i ... (view full description)

Rory McHugh

Managing Director, Specialist Lenders, FinTech

Rory McHugh heads the Specialist Lenders  & FinTech solutions team at RBS with an extensive track record of providing clients with financing & risk management solutions. Rory is closely involved with the development of RBS’ automated product offering for Financial Institutions, Specialist and Marketplace Lending, including the award-winning MicroRates platform – part of RBS’ automated financing and risk management toolkit. Rory joined RBS in 2010 and has wide-ranging experience in a range of buy-side, structuring and issuer roles across securitisation, financing and derivatives. Prior to his current role as Managing Director at RBS, Rory was Head of Structured Finance at UK mortgage ... (view full description)

Frank Meijer

Head of Alternative Fixed Income and Private Debt
Aegon Asset Management

Frank Meijer, PhD joined AEGON Asset Management in 2005. Frank is head of the European ABS team and is also responsible for the Dutch Mortgage Fund. Prior to his current role, Frank was also overseeing the Quant Group and set up the Structured Credit Desk. Before joining AEGON, Frank worked at ABN AMRO Bank in the Risk Modelling & Product Validation department. Frank holds a MSc in physics from the University of Groningen and a PhD in physics from Delft University of Technology.

Fernando Navarro

Cuatrecasas Goncalves Pereira

Mr. Navarro has ample experience in advising private and public entities on financing transactions, both through syndicated and bilateral loans (corporate, leveraged and structured finance), and issues of debt instruments (bonds and debentures, including high yields; promissory notes; subordinated debt; mortgage-backed bonds; and public-sector bonds). He also has ample experience in derivatives. He has participated in many issues of preferential stock and warrants, and in many mortgage-backed and asset-backed securitization transactions. He specializes in the law of financial markets, and banking and regulatory law. Before joining Cuatrecasas, Gonçalves Pereira in 2003, he was in-house ... (view full description)

Elisabeth Noble

Policy Expert
European Banking Authority

Elisabeth Noble is a senior policy expert at the European Banking Authority.  She participates in international and EU workstreams relating to the perimeter of regulation, market-based finance, and interconnections in the financial system.  Prior to joining the EBA Elisabeth spent 7 years at HM Treasury advising primarily on matters relating to financial stability and regulatory reform, including the establishment of the bank resolution regime (SRR and BRRD) and the resolution of a number of UK banks, the reforms to the regulatory architecture in the UK and EU (including the establishment of Banking Union), and bank structural measures. Elisabeth has also spent some time in the private secto ... (view full description)

Brian Norton

Chief Executive Officer
Future Finance Loan Corporation Ltd

Mr. Norton is a lifelong entrepreneur focused on technology-driven consumer finance opportunities. Brian is CEO and co-founder of Future Finance, Europe’s first large scale private student lender. The company was founded in May 2013 and has been actively lending in the UK since June 2014. The company will launch a product in Germany during summer 2015 and additional European markets soon thereafter. Previously, Brian’s business ventures have included investment funds, mortgage origination and servicing businesses, and student lenders. Born and raised in Chicago, Brian has a BA in History from Harvard and an MBA from UCLA. He, his wife, and their son live in Dublin, Ireland.

Eric Partaker

Co-Founder & Director

Sachin Patel

Chief Capital Officer
Funding Circle

Sachin Patel leads the Global Capital Markets Group and is responsible for Funding Circle’s investor strategy. This includes the design, structuring and distribution of Funding Circle’s investment products to high net worth individuals, asset managers, banks, insurance companies, pension funds, national and supranational institutions. Funding Circle is the global small business loans platform. Set up in 2010, investors have lent more than £4.5 billion to over 45,000 businesses across the UK, US and Europe. Funding Circle loans are funded by a diverse array of investors including more than 70,000 individuals, local and national government, financial institutions and the first single pla ... (view full description)

Albert Periu

Zilch Technology Limited

Michael Pinkus

Chief Financial Officer
Bitbond GmbH

Prior to joining Bitbond as CFO, Michael worked in international banking and finance over 20 years including structured finance, asset management and credit products. He has held senior roles in structuring, sales and business development. He worked over 14 years with IKB, a prominent European SME-specialized bank and previously held roles at Hengeler Mueller and KPMG. Michael holds an LLM in banking and finance from the University of London, a law degree from Southern Methodist University and a BA from Texas A&M University.

Zac Prince

Founder & Chief Executive Officer

Zac's experience includes leadership roles at multiple successful tech companies. Initially in adtech, where he was a part of two successful acquisitions, Admeld (Acquired by Google) and Sociomantic (acquired by DunnHumby). Prior to starting BlockFi, he led business development teams at Orchard Platform, a broker dealer and RIA in the online lending sector, and Zibby, an online consumer lender. He graduated Cum Laude from Texas State University with a BA in International Business and minor in Spanish.

Gillian Roche-Saunders

Head of Venture Finance

Gillian heads up the Venture Finance team at Bovill, a specialist regulatory consultancy.  She helps alternative finance firms to manage compliance alongside innovation and commercial pressures.  The team prepares firms to be regulated by the FCA and acts as an ongoing partner both to new market entrants and established platforms. Gillian works closely with a number of trade bodies including UK Crowdfunding Association and is a Director of the EIS Association. Gillian joined Bovill in June 2011 after 7 years of leading compliance investigations at The Law Society.

Peer Rosenberg

IKB Deutsche Industriebank AG

Peer Rosenberg is a Director and Portfolio Manager at IKB Asset Management. His responsibilities are loan origination and deal structuring for the Valin senior loan fund strategies. The inaugural Valin Mittelstand Senior Debt Fund provides long-term (7-10y) bilateral corporate senior debt facilities to German mid-cap companies (turnover >€250m) on a secured and unsecured basis. Valinfunds provide institutional investors access to German/European bilateral corporate Senior and Mezzanine loan exposures. Between 2005 and 2013, Peer Rosenberg was a Portfolio Manager at IKB Fund Management, responsible for loan origination of their leveraged loan CLOs.

Suketu Shah

Chief Financial Officer

Suk Shah is the CFO of Avant, one of the fastest growing online providers of consumer loans. Suk oversees the finance team in addition to the human resources team, a role he’s taken on to ensure that Avant’s rapid growth is not at the expense of its culture. After securing more than $1.4 billion in funding, Avant was the most funded company in Chicago in 2014. The company has issued more than 180,000 loans operating in 46 U.S. states and in the United Kingdom. Prior to Avant, Suk was the CFO of HSBC's Commercial Banking business in the US and Canada, a $40bn loan portfolio which has expanded significantly over the past 2 years. Suk began his career with GE and spen ... (view full description)

Sajal Srivastava

President & Chief Investment Officer
TriplePoint Capital

Sajal Srivastava is the President, Chief Investment Officer and a co-founder of TriplePoint Capital, a leading global financing provider devoted to serving venture capital backed companies with creative, flexible and customized debt financing, equity capital and complementary services throughout their lifespan. TriplePoint Capital is located on Sand Hill Road in Silicon Valley and has a primary focus in technology, life sciences and other high growth industries. TriplePoint’s portfolio of venture capital-backed companies includes widely recognized and industry-leading companies, including, among others, Facebook, YouTube, Etsy, Birchbox, Bloom Energy, Nutanix, Oncomed, Proteolix, Ring Centra ... (view full description)

Adam Tyler

Chief Executive
The National Association of Commercial Finance Brokers

Jeremiah Wagner

Cadwalader, Wickersham & Taft LLP

Jeremiah Wagner is a Partner in Cadwalader's Capital Markets Group in London. He has extensive experience across a range of structured finance, securitization and derivative transactions and asset classes, including credit card receivables, residential and commercial mortgages, auto loans and leases, dealer floor plan loans, insurance products, trade receivables and synthetic exposures. Jeremiah represents issuers, underwriters and arrangers in international capital markets transactions, and focuses on advising on securitizations and other complex structured U.S.-registered public offerings, cross-border offerings, commercial paper programs&n ... (view full description)

Sebastian Walf

Managing Director

Sebastian joint Citi's securitisation team in 2002 and he covers financial institutions, captive finance companies and private equity clients in EMEA. Over the last 18 years he executed securitisation transactions in all major asset classes including RMBS, CMBS, SMEs, Auto Loans, Trade Receivables and Leases. Sebastian arranged, structured and advised on SME transactions in excess of Euro 20 billion across EMEA. His focus is on private warehousing lines for PE backed SME lenders as well as mid-market loan platforms. In the public ABS market he arranged SME transactions for Funding Circle in the UK. ... (view full description)

Gordon Watson

Victory Park Capital Advisors, LLC

Gordon Watson joined VPC in 2014 and is a Partner in New York. He is primarily responsible for sourcing, analyzing, executing and managing investments primarily within the financial services industry. Mr. Watson also actively works on making investments in public debt securities in middle market companies where VPC can seek to actively influence market companies. Mr. Watson is a member of the firm’s Investment Committee and currently serves on the board of directors of VPC portfolio company, Borro Ltd. Previously, Mr. Watson was a portfolio manager focused on distressed debt at GLG Partners, a London-based 31 billion multi-strategy hedge fund that concentrates on a diverse range of alt ... (view full description)

Bob Young

Co-Founder and Chief Executive Officer
Fleet Mortgages

Bob is Co-Founder and Chief Executive Officer of Fleet Mortgages, a specialist mortgage lender operating in the UK Buy to Let market.
Fleet Mortgages has become a major player in the UK Mortgage Market specialising in high quality, low arrears BTL mortgages.
The secret to thesuccess of Fleet Morgages is a team of highly experienced mortgage professionals.
The core team at Fleet Mortgages have worked together for more than fifteen years having transformed their previous company from a small single product Lender into a key player in the Buy-to-Let and Specialist Home Loan sectors becoming a top twenty lender. Bob was Managing Director of CHL mortgages for more than 10 years.
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Event Contacts for 1st Annual Conference on European Alternative Financing & Marketplace Lending


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*License. If you comply with all your obligations under this Agreement, IMN grants you a limited, revocable, nonexclusive license and right to access the Services, through a generally available web browser, mobile device or application view information and use the web pages and in accordance with this Agreement for your use only. Any other use of DirectConnect is strictly prohibited. All rights not expressly granted in this Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights are retained by IMN.

*Anti-Hacking. You expressly agree not to use or attempt to use any "virus," "spyware," "malware," "adware," "Trojan horse" "deep-link," "scraper," "bot," "spider," "data-mining," "computer code" or any other automated device, program, tool, algorithm, process, or methodology or manual process having similar processes or functionality, to access, acquire, copy, or monitor any portion of this website or content. You also agree not to obtain or attempt to obtain through any means any materials or information on the website that have not been intentionally made available either by their public display on the Web Site or through their accessibility by a visible link or portal. You further agree not to violate the security of the website or attempt to gain unauthorized access to the website, data, materials, information, computer systems or networks connected to any server, through hacking, password mining or any other method.

*No Linkage. You expressly agree not to link or attempt to link to this website or the web pages contained herein.

*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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