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Casper Andersen

S&P Global Ratings

Casper Rahbek Andersen is a Director and senior member of the European Covered Bond Team. As a country lead analyst he follows the financial markets throughout the Nordic region, Germany, Austria and Luxembourg. Casper joined S&P Global Ratings as a credit analyst in 2006 and has covered a broad range of covered bond issuers (mortgage, shipping and public-sector) and jurisdictions including the U.K, Ireland and Portugal. Before S&P Global Ratings, Casper worked as an Analyst for NERA economic consulting in Frankfurt, Germany, which followed roles with Siemens AG and Nykredit A/S. Casper currently works out of S&P Global Ratings London office. C ... (view full description)

Susan Barron

Managing Director & Global Head of Green and Sustainable Capital Markets

Susan Barron is a Managing Director and Head of Green and Sustainable Capital Markets. In this role, she is responsible for originating, structuring and executing green and sustainable debt capital markets transactions for clients globally.  Susan joined Barclays in 2010 as part of the Public Sector Debt Capital Markets team and went on to lead the Debt Capital Markets and Risk Solutions desk for CEEMEA (Central and Eastern Europe, Middle East and Africa).  Previously she worked on the Public Sector Debt Capital Markets Origination desk at Citi as well as the Frequent Borrower and the EEMEA (Eastern Europe, Middle East and Africa) DCM desks at Dresdner Kleinwort.  Susan holds a Bachelor of B ... (view full description)

Joost Beaumont

Senior Fixed Income Strategist

Joost Beaumont is a Senior Fixed Income Strategist with lead responsibility for covered bonds and RMBS, focussing on the euro-denominated market, and Dutch covered bonds/RMBS in particular. He has been part of Group Economics at ABN AMRO since 2010. He is a member of the Financial Markets Research team. Previously, Joost worked as a senior European Economist, focusing on the UK and French economies, while having extensive expertise in the field of the European debt crisis as well. He also worked in the International Economic Research team of Fortis Global Markets, while he spent nearly seven years as a policy advisor at the central bank of the Netherlands Antilles. Joost studied macroeconomi ... (view full description)

Luca Bertalot

Sec. General Euro. Mortgage Federation
European Covered Bond Council

Luca Bertalot is Secretary General of the European Mortgage Federation - European Covered Bond Council (EMF-ECBC), representing the interests of EU mortgage lenders and the covered bond community in discussions with the European Institutions and stakeholders in general on all issues relating to the retail and funding sides of the mortgage business. Established in 1967, the EMF is the voice of the European mortgage industry, providing data and information on European mortgage markets, which were worth c. €7 trillion at the end of 2017. In 2004 the EMF founded the ECBC, a platform that brings together covered bond market participants including issuers, analysts, investment bankers, ... (view full description)

Marius Cara

Deputy Head of Investor Relations, Capital Markets
European Investment Bank

Marius Cara is the Deputy Head of Investor Relations and Marketing Division at EIB. His main responsibilities include marketing of the EIB Climate Awareness Bonds (CAB), on-going liaison with investors, rating agencies and credit analysts and general market communication on EIB developments. In the field of green bonds, Marius is actively following the work of the Green Bond Principles and other relevant research, providing input to the EIB communication on the subject and explaining the EIB green bond strategy at conferences and events. Marius joined the EIB in 2006 as Advisor to the Audit Committee and moved to Capital markets in 2011. Before EIB he worked for sever ... (view full description)

Thomas Cohrs

Head of Syndicate

Thomas Cohrs is responsible for all of HELABA’s business with financial institutions and focuses on the bank’s capital markets franchise  in FIG and SSA.He started his career in financial markets as a forex trader with Irving Trust Company and Chemical Bank in Frankfurt and London before moving to Bayerische Vereinsbank (now UniCredit) where he held several management positions in treasury and corporate finance over a period of more than 15 years. After a brief spell at CALYON, Thomas moved to NORD/LB in Hanover where he built the bank’s successful DCM franchise from scratch. In 2019, he join ... (view full description)

Ana Cortes Gonzalez

Portfolio Manager
JP Morgan Asset Management

Ana Cortes Gonzalez, executive director, is a member of the Global Fixed Income, Currency & Commodities (GFICC) group.  Based in London, she is a securitized credit research analyst and is responsible for analyzing Covered Bonds, European asset-backed and mortgage-backed securities and structured credit.  Prior to joining the firm in 2017, she was a portfolio manager at PIMCO where she specialized in European securitization and global covered bonds.  Prior to this, she also held portfolio management and trading roles at Commerzbank AG, and DZ BANK and spend some time at Standard and Poor's in London.  Ana holds an M.A. in economics from the Friedrich-Wilhelm Universitaet, Bonn, Germany. ... (view full description)

Jacques Dupuis

Head of Investment Portfolio

Jacques Dupuis is heading the LCR portfolio within Banque Internationale à Luxembourg.  He is focusing on liquid investment such as SSA and covered bonds predominantly in EUR. He joined BIL in 2000 after a career as Credit analyst on Covered bonds, Local Authorities and government bonds.    

At BIL he held various positions as analyst and he also ran the cover pool of Dexia Lettres de Gage, a former Luxemburgish covered bond issuer.

Before that he worked as a lecturer at University of Liège, Belgium
Jacques Dupuis holds a MSc degree in Finance, Bank and Insurance from the same university.

Florian Eichert

Head of Covered Bond & SSA Research
Credit Agricole CIB

Florian Eichert heads CACIB’s covered bond and SSA research. He joined CA CIB in August 2010 from LBBW in Stuttgart, where he had been for six years. After more than seven years in London, Florian relocated to Frankfurt at the end of 2017. He won the ”Best Covered Bond Research” from The Cover in September 2011 at the ECBC conference in Barcelona for the first time and has since followed up with wins in Munich (2012), Barcelona (2013), Vienna (2014), Barcelona (2015), Barcelona (2017) and Munich (2018). He has also been ranked number one for covered bond and SSA research in the Institutional Investor Magazine survey 2018. Florian has been a member of the steering committee of the European Co ... (view full description)

Hampus Falth

UBS Investment Bank

No biography specified

Antonio Farina

Senior Director
S&P Global Ratings

Antonio Farina is a Senior Director in European Structured Finance, S&P Global Ratings. Based in Madrid, he is an analyst in the Covered Bonds team and he is responsible for the activity in Spain, Italy, The Netherlands and new markets.
He joined S&P Global Ratings in 2004 and has been involved in the rating of covered bonds and structured finance transactions across a range of asset classes and jurisdictions.
Before joining  S&P Global Ratings, he worked for UniCredit Markets & Investment Banking in Milan.
Antonio holds a degree in Economics and Finance from the “Universita´del Piemonte Orientale”

Douglas Farquhar

Principal Consultant

Doug joined DNV GL in 2011 as a Principal Consultant and has subsequently led DNV GL’s sustainable finance advisory & verification services. He has worked on the integration of ESG and sustainability into investment processes as well as financial products. Doug has worked with a number of global issuers of green, social and sustainable bonds and is a recognised expert in these products. He has also advised on green loans & undertaken verification of corporate sustainable financing frameworks. He is currently working with a number of clients on responding to the FSB Task Force on Climate-related Financial Disclosures, including scenario analysis of financial performance. Doug represen ... (view full description)

Barbara Florian

Senior Director
S&P Global Ratings

Barbara Florian is a Senior Director, based in S&P Global Ratings’ Milan office in the Structured Finance Department. She is Country Analytical Leader, covering Structured Finance activity in Italy (new issuance and surveillance). Since joining S&P in August 2003, she has been involved in the rating assignment of structure transactions in various asset classes (including mortgages, consumer and auto loans, leasing receivables, SME loans, covered bond, synthetic CDOs) across different jurisdictions. Before joining S&P Global Ratings, she worked for Merrill Lynch in London and Milan in the fixed income product sales department. Barbara holds a Master D ... (view full description)

Miguel Garcia de Eulate

Head of Treasury and Capital Markets
Caja Rural de Navarra

Miguel Garcia de Eulate is since 2000 Head of Treasury and Capital Markets at Caja Rural de Navarra (CRN, Pamplona) where he is responsible for the bank's liquidity management and funding, including Covered Bonds and Senior Unsecured programmes, also whithin a Sustainability Framework. CRN is a regional cooperative bank and a member of UNACC and AECR (Spanish Caja Rural Group Association, Madrid), where Mr. García de Eulate currently participates in working groups and task forces focused on capital markets. Mr. García de Eulate is also a member of the Financial Markets Working Group of the European Association of Cooperative Banks (EACB, Brussels).  Previo ... (view full description)

Michael Greaney

Manager, Secured Funding
NatWest Bank Plc

Michael Greaney joined RBS in 2013 and is currently the manager of the Secured Funding team. He is responsible for the management and structuring of the RBS covered bond and securitisation transactions. Michael has more than 10 years of structured finance experience. He started his career at JPMorgan in 2005 and worked in Retail Structured Products. He was also a credit rating analyst at Fitch Ratings Limited, involved in rating and criteria development of European RMBS transactions.

Jussi Harju

Director, SSA and Covered Bond Research

Jussi Harju is a Director in the fundamental credit research team at Barclays, based in Frankfurt. Mr. Harju is a senior analyst focusing on supranational, sub-sovereign and agency (SSA) and covered bond markets globally. He joined Barclays in 2011 from Standard & Poor’s in London, where he had worked since 2006 specialising in securitisation and covered bonds in various markets. Prior to that, he worked as a credit analyst at General Motors. Mr. Harju holds a Master of Sciences degree in Economics and Finance from University of Jyväskylä, School of Business and Economics, Finland, and also the Chartered Financial Analyst® designation.

Krishan Hirani

Head of Secured Funding
Nationwide Building Society

Krishan is responsible for the planning and execution of term wholesale funding at Nationwide, the world’s largest Building Society. Nationwide has a diverse range of funding options across secured/unsecured and public/private markets. Other day-to-day responsibilities include management of Nationwide’s two secured funding programmes. Krishan has five years of funding experience at Nationwide after joining in 2012 following his masters degree in Finance and Accounting.

John Hogan

Assistant Vice President - Analyst
Moody's Investors Service

John Hogan is an Assistant Vice President at Moody’s in London. He joined Moody’s in September 2015 and is lead analyst for covered bond programmes in Sweden and Ireland.

Prior to joining Moody’s, John worked as an in-house lawyer in a number of banking roles, including structured finance origination and bank treasury.

John holds a law degree from Trinity College Dublin, in Ireland.

Sverre Holbek

Senior Analyst
Danske Bank

Sverre Holbek is a Senior Analyst in the Covered Bond Research group of Danske Bank, based in Copenhagen, Denmark. He covers the European covered bond markets, focusing on the Nordics in particular. He joined the bank in 2008, having previously worked in asset management. He holds an MSc in Finance and Economics from the London School of Economics and an MSc in Economics from the University of Copenhagen, Denmark. Furthermore, he holds the Chartered Financial Analyst (CFA) designation.

Lauren Kerr

Director of Programming

Christoph Kimmerle

Economic & Monetary Affairs Committee
European Parliament

Christoph Kimmerle is as a policy adviser in the European Parliament for the ECR group. He has worked with Members of the Economic and Monetary Affairs Committee on Economic Governance, the Banking Union and the Capital Markets Union. Currently, he is working as adviser to the European Parliament’s rapporteur on the legislative package on covered bonds. He holds a degree in economics (Diplom Ökonom) from the University of Hohenheim (Stuttgart, Germany).

Klaus Kristiansen

Executive Vice President
Realkredit Danmark

Klaus Kristiansen is Executive Vice President and head of Asset Liability Management within Realkredit Danmark. Realkredit Danmark is a mortgage bank focusing only on mortgage lending in the Danish market. In 2000 Realkredit Danmark merged with Danske Bank Group to form the largest financial group in Denmark. Since the merger, Realkredit Danmark has benefited from the vast distribution power of the parent bank and, today, Realkredit Danmark is the 2nd largest mortgage bank in Denmark with a total funding portfolio of €125bn equivalent end 2010. Asset Liability Management is responsible for funding all funding activities within Realkredit Danmark by issuance of mortgage covered bonds. Mo ... (view full description)

Sascha Kullig

Head of Capital Markets
Association of German Pfandbrief Banks

Sascha Kullig is Head of Capital Markets at the Association of German Pfandbrief
Banks (vdp) since December 2003. After graduating in Economics at the Goettingen
University, he worked as an analyst in the financial sector at Bridge/Fokus
Germany, before he moved on to the Boersen-Zeitung (a German financial
newspaper) where he serviced the Capital Markets section.

Heiko Langer

Covered Bonds & Financials
ERSTE Group Bank AG

Heiko Langer is a Senior Research Analyst for Covered Bonds and Financials at Erste Group. Having worked as a research analyst for ABN AMRO and BNP Paribas, Heiko has more than 15 years of research experience specializing in Covered Bonds and SSA. Before joining Erste Group, Heiko worked as an independent financial markets consultant focusing on Covered Bonds and Sustainable Finance. He graduated from the Berufsakademie Karlsruhe in Germany with a diploma in Business Administration.

Michael McCormick

Head of Covered Bond Origination
Credit Suisse

Michael McCormick is a Director at Credit Suisse, responsible for covered bond origination. Before joining Credit Suisse in July 2014, Mr McCormick was co-head of covered bonds at HSBC, where he had worked on the European structured finance team since 2007. Mr McCormick’s professional experience includes the structuring, marketing and execution of covered bond and asset-backed transactions throughout Europe. To date his experience includes work across 13 different countries, nine distinct asset classes and over 40 funding programmes. Michael holds a degree in Economics and Government from Georgetown University.

Martin McKinney

Senior Manager
Santander UK

Matthias Melms

Head of DCM & Syndicate FI & SSA

Matthias Melms is Head of DCM & Syndicate FI & SSA at Helaba. As the central bank for saving banks of the Federal States of Hesse, Thuringia, North Rhine-Westphalia and Brandenburg, Helaba is representing 40 percent of the German saving bank sector. Matthias joined from NORD/LB where he built up a several times awarded research as Head of Covered Bond & SSA Research and Co-Head of Fixed Income Research. Matthias is a Certified International Investment Analyst and a Certified Credit Analyst (CCrA). Furthermore, he holds a degree in banking (Dipl.-Betriebswi ... (view full description)

Paul Oates

Executive Directory - Rating Advisory

Paul is an executive director at UBS AG corporate client solutions, covering rating advisory for financial institutions clients, and covered bonds, from a rating, regulatory and market development perspective. Paul joined UBS in May 2011.

Prior to working at UBS, Paul was a senior Credit Officer at Moody's Investor Services, and a rating specialist at Standard & Poor's.

Anna Pinedo

Mayer Brown

Anna Pinedo is a partner in Mayer Brown’s New York office and a member of the Corporate & Securities practice. She concentrates her practice on securities and derivatives. Anna represents issuers, investment banks/financial intermediaries and investors in financing transactions, including public offerings and private placements of equity and debt securities, as well as structured notes and other hybrid and structured products.  She works closely with financial institutions to create and structure innovative financing techniques, including new securities distribution methodologies and financial products. She has particular financing experience in certain industries, inc ... (view full description)

Jozef Prokes

Credit Portfolio Manager

Jozef Prokes, Director, is a member of the Fundamental European Team within BlackRock’s Global Fixed Income Group, focusing on credit and covered bonds. He is a co-manager of Blackrock Global Funds (BGF) Euro Corporate Bond Fund.

Before joining BlackRock in 2010, he held a trading position at Credit Agricole - CIB and a portfolio management role at National Bank of Slovakia. He began his career as an asset and liability manager at CSOB bank (KBC group) in 2006.

Mr. Prokes earned a graduate degree from Comenius University in Bratislava.

Franz Rudolf

Managing Director & Head of Financials Credit Research

Franz Rudolf is a Managing Director at UniCredit and the Head of Financials Credit Research. Franz has more than twelve years experience in research and financial analysis (credit as well as equity). He focuses on covered bonds from Europe, as well as from the Asia-Pacific region. His regular publications include the weekly "Covered Bond Monitor" and the "Covered Bond Chartbook" as well as the "Relative Value Analysis". In addition, he publishes in depth analyses on single names or specific topics. In recent years, Franz and his covered bond research colleagues sustainably earned top rankings in several research polls. He is a CEFA, studied in the US, Taiwan and Germany, and holds a Master's ... (view full description)

Rafael Scholz

Head of Treasury
Muenchener Hypothekenbank

Biographie Rafael Scholz     Rafael Scholz, Director, Head of Treasury, Münchener Hypothekenbank eG (Germany)   Rafael is head of treasury at MünchenerHyp. In this managerial capacity, his primary responsibilities include leading several key strategic initiatives for the firm as well as funding activities, liquidity management, debt investor relations and asset liability management within the bank’s Munich based treasury division. With more than 25 years of industry and executive-level experience, Rafael has high-level access to an international network of business leaders and decision-makers. He is an accomplished leader with a focus on develop ... (view full description)

Michael Schulz

Head of Fixed Income & Macro Research

Michael Schulz is Head of Fixed Income & Macro Research at Norddeutsche Landesbank, Hanover. His team focuses on the analysis of senior bonds and covered bonds of banks, sovereigns and sub-sovereign issuers. Macro Research also prepares economic analyses of various countries as well as market and portfolio strategies. The main focus is on economic, interest rate and exchange rate forecasts. He has 18 years of research experience. Michael Schulz holds an MBA from the University of Wales and is a Certified International Investment Analyst (CIIA), Frankfurt.


Richard Segal

Emerging Markets Credit Senior Analyst
Manulife Investment Management

Richard Segal is a senior investment analyst at Manulife Asset Management, where he runs the Emerging Market Credit Research team. In this role, Richard analyzes specific companies, interprets macro trends and market activity to provide information and analysis for the decision-making process across Manulife’s fixed income funds. Prior to joining Manulife, Richard spent four years at Jefferies International in London. As a desk analyst, he was responsible for CEE corporate and sovereign credits. Beforehand, he worked at Knight Capital as a director in the emerging markets division, and has also worked at institutions such as Bank of America and Santander, as well as specialized credit funds, ... (view full description)

Tim Skeet

Adviser to ICMA

Tim Skeet started his career as a lending banker but moved into the debt capital markets in its early years becoming a FI DCM specialist for most of his career working at various leading investment banks. A lot of this time involved working with banks on areas of bank capital funding and banking regulatory requirements. While working with financial issuers internationally, Tim became involved in many aspects of mortgage finance. This included the early years of asset-back securities in the late 1980s in the UK market, becoming involved as a German speaker in the early Jumbo Pfandbriefe in the mid-1990s and being part of the introduction of covered bonds across European markets in ... (view full description)

Henrik Stille

Senior Portfolio Manager
Nordea Investment Management

Henrik Stille is a member of the DKK/EUR covered bond team within Nordea Asset Management, based in Copenhagen. He is focusing on credit bonds, covered bonds, agencies and government bonds in EUR and the domestic Nordic currencies. He joined Nordea AM in 2005 through Nordea's 2 year graduate program. Mr. Stille holds a MSc degree in Financial Economics from the University of Lund and a BSc degree in Business administration from the same university.

Thor Tellefsen

Senior Vice President, Head of Long Term Funding
DNB Bank

CURRICULUM VITAE Name: Thor Tellefsen Born: 05.05.64, Arendal Address: St. Jørgens vei 51, 0662 Oslo Tel: 22 72 28 66 (P) 22 31 85 41 (A) 915 44 385 (M) Work experience: 2007 - DnB NOR, Investor relation / Long Term Funding Senior Vice President, Deputy Head of Long Term Funding 2005 -2007 DnB NOR, Investor relation / Long Term Funding First Vice President, Deputy Head of Long Term Funding 2004 - 2005 DnB NOR, Long Term Funding First Vice President 1999 - 2004 Union Bank of Norway, Long Term Funding Deputy DirectorAnsvar for kontakt med ratingselskaper som rater banken, herunder utarbeidelse av den dokumentasjon som etterspørres 1998 - 1999 Union Bank of Nor ... (view full description)

Bill Thornhill


Bill is editor at GlobalCapital, formally The Cover, where he has worked since 2011. Before that he was with Thomson Reuters where he worked as an assistant editor on structured finance and, earlier, as an economist and bond analyst.

He has many years experience in the financial markets, starting with Cargill where he was a cotton merchent. He also worked as a foreign exchange dealer at Barclays, Bank of America and Deutsche Bank.

He qualified from Lancaster University with a Masters in Business Analysis.

Jens Tolckmitt

Chief Executive Officer
Association of German Pfandbrief Banks

Jens Tolckmitt, born in 1971, was appointed Chief Executive of the Association of German Pfandbrief Banks (vdp) in June 2009.

From January 2003 to May 2009 he served as the Managing Director of the Association of Foreign Banks (VAB) in Germany. Before that, from 1998 to 2002, Jens worked for the Association of German Mortgage Banks in Bonn and Berlin (the predecessor organization of the vdp) in several positions, finally heading the capital markets department of the

Prior to this he studied economics, specializing in monetary macroeconomics and finance, and graduated in 1998.

Steve Williams

Head Portfolio Manager-Core Fixed Income
Nikko Asset Management

Steve Williams is the Head Portfolio Manager for Global Core Strategies and a Managing Director in Nikko AM’s London Office. He is a member of the fixed income & foreign exchange investment committee as well the portfolio manager with oversight for the firm’s investment grade, municipal, green bond, global mortgages and global bond business as well as credit research.   He joined Nikko AM in 2007 and took over co-management responsibility with Andre Severino for the firm’s flagship global sovereign bond strategy as well as launching the first dedicated Danish mortgage bond strategy into Japan in 2016.  Steve, previously served as a Credit research analyst with New York Life I ... (view full description)

Peter Wong

Portfolio Manager
Nationwide Building Society

Peter Wong is a Portfolio Manager at Nationwide Building Society in London. He manages the High Quality Liquid Assets (HQLA) portfolio for the Liquid Asset Buffer (LAB) with a focus on European Covered Bonds and securitised assets such as Prime RMBS and Auto ABS. He also has a discretionary mandate to purchase assets which complements the LAB.   Previously he was a senior dealer on the derivatives team, providing and executing hedging solutions to manage interest rate risk of the group including its issuances.   He joined Nationwide in 2009 following a MSc in Finance and Accounting and a BEng in Mechanical Engineering. He is a CFA charterholder ... (view full description)

Agnieszka Zdziennicka

Director, Head of Treasury
PKO Bank Hipoteczny

Agnieszka Zdziennicka is the Head of Treasury and Investor Relations in PKO Bank Hipoteczny SA, the biggest mortgage bank in Poland and a regular issuer of covered bonds, both on the domestic and international market, operating within PKO Bank Polski Group. Agnieszka is responsible for asset & liabilities management, hedging, funding including covered bond issuance and investor relations. Agnieszka began her professional career in banking sector in 1997. For the p ... (view full description)

Cosme de Montpellier

Senior Director
Fitch Ratings

Cosme de Montpellier is a senior director within Fitch Ratings’ covered bonds team. Based in London, he is responsible for the rating of covered bonds issued out of the Nordic countries, the UK, Ireland and the Netherlands. Previously at Fitch, he rated covered bonds issued out of France, Ireland, and Portugal.

Cosme graduated from Ecole Centrale, France. He also holds an MPhil in statistical science from the University of Cambridge and an MSc in economics from ENSAE, France.

Ruben van Leeuwen

Head of Credit Strategy

Ruben van Leeuwen is Head of Credit Strategy and Regulation at Rabobank and is specialised in asset-backed financial instruments. His work is predominantly focused on the analysis of European RMBS and covered bonds. Besides in-depth knowledge of various fixed income structures and strategies, Ruben has an extensive background in economics. Prior to joining Rabobank in 2013, he worked at ABN AMRO in various roles, last as Covered Bond Strategist. Ruben is a CFA charterholder and holds a master’s degree in international economics from the University of Maastricht.
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Event Contacts for 12th Annual Global Covered Bonds Conference


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*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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