Aon plc (NYSE:AON) is a leading global professional services firm providing a broad range of risk, retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients by using proprietary data and analytics to deliver insights that reduce volatility and improve performance.
Arch Capital Group Ltd. (Arch Capital or ACGL) is a Bermuda-based public company offering insurance, reinsurance and mortgage insurance (MI) worldwide. ACGL was launched in 2001 to meet demands in global markets. The combination of our risk-focused underwriting platform, our experienced management team and our strong capital base have established us as a specialty insurance leader. ACGL has a focus on specialty lines and, through the Arch MI platform, is a leader in the MI space. Arch MI is ded
Arch Capital Group Ltd. (Arch Capital or ACGL) is a Bermuda-based public company offering insurance, reinsurance and mortgage insurance (MI) worldwide. ACGL was launched in 2001 to meet demands in global markets. The combination of our risk-focused underwriting platform, our experienced management team and our strong capital base have established us as a specialty insurance leader.
ACGL has a focus on specialty lines and, through the Arch MI platform, is a leader in the MI space. Arch MI is dedicated to providing risk-management and risk-financing products to the MI sector worldwide. Arch MI is committed to delivering traditional and innovative mortgage risk transfer products that provide meaningful and affordable capacity to the U.S. housing sector. Beyond traditional flow mortgage insurance, Arch MI can meet the unique needs of industry participants, including portfolio lenders, government agencies and institutional investors.
Our financial expertise, innovative thinking and access to capital markets participants and reinsurance markets allow us to offer solutions such as structured coverage, insurance-linked securities and other capital markets executions. We provide tailored, strategic options to meet regulatory requirements and disperse risk to sustain profitability during all market cycles.
Bank of America is one of the world’s leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 66 million consumer and small business clients with approximately 4,300 retail financial centers, including approximately 2,700
Bank of America is one of the world’s leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 66 million consumer and small business clients with approximately 4,300 retail financial centers, including approximately 2,700 lending centers, 2,600 financial centers with a Consumer Investment Financial Solutions Advisor and approximately 2,400 business centers; approximately 17,000 ATMs; and award-winning digital banking with approximately 40 million active users, including approximately 31 million mobile users. Bank of America is a global leader in wealth management, corporate and investment banking and trading across a broad range of asset classes, serving corporations, governments, institutions and individuals around the world. Bank of America offers industry leading support to approximately 3 million small business households through a suite of innovative, easy-to-use online products and services. The company serves clients through operations across the United States, its territories and approximately 35 countries. Bank of America Corporation stock (NYSE: BAC) is listed on the New York Stock Exchange (updated April 15, 2021).
Clifford Chance is one of the world's pre-eminent law firms, with significant depth and range of resources across five continents. We have the market leading practice in synthetic securitization and other types of credit risk transfer and risk sharing transactions and, in recognition of our market standing, were named North American Law Firm of the Year by SCI in 2020. We have worked on such transactions with many banks and investors for over 15 years, and have been intimately involved in th
Clifford Chance is one of the world's pre-eminent law firms, with significant depth and range of resources across five continents. We have the market leading practice in synthetic securitization and other types of credit risk transfer and risk sharing transactions and, in recognition of our market standing, were named North American Law Firm of the Year by SCI in 2020. We have worked on such transactions with many banks and investors for over 15 years, and have been intimately involved in the development of the various legal and economic structures commonly seen in the market. Our experience includes all types of public and private significant risk transfer and risk sharing transactions.
We are a single, fully integrated group made up of securitization, derivatives, structured products and commercial regulatory experts, supported by tax and litigation lawyers who are experienced leaders across the major financial centers, including London, New York, Frankfurt, Paris, Amsterdam, Brussels, Milan, Madrid, Hong Kong, Tokyo and Singapore. This combination of specialists working alongside each other provides our clients with access to unique legal advice.
We have in-depth experience on all aspects of the EU and US regulatory frameworks which apply to and drive the structuring of synthetic securitization and significant risk transfer and risk sharing transactions, including:the Basel capital accord and securitization framework; in the EU, the Capital Requirements Regulation, the Securitisation Regulation, the Alternative Investment Fund Managers Directive, the Credit Rating Agencies Regulation and the European Market Infrastructure Regulation in the US, the Volker Rule, the Dodd-Frank reforms, ERISA and all aspects of securities regulation.
Credit Suisse AG is one of the world's leading financial services providers and is part of the Credit Suisse group of companies (referred to here as 'Credit Suisse'). Our strategy builds on Credit Suisse's core strengths: its position as a leading wealth manager, its specialist investment banking capabilities and its strong presence in our home market of Switzerland. We seek to follow a balanced approach to wealth management, aiming to capitalize on both the large pool of wealth
Credit Suisse AG is one of the world's leading financial services providers and is part of the Credit Suisse group of companies (referred to here as 'Credit Suisse'). Our strategy builds on Credit Suisse's core strengths: its position as a leading wealth manager, its specialist investment banking capabilities and its strong presence in our home market of Switzerland. We seek to follow a balanced approach to wealth management, aiming to capitalize on both the large pool of wealth within mature markets as well as the significant growth in wealth in Asia Pacific and other emerging markets, while also serving key developed markets with an emphasis on Switzerland. Credit Suisse employs approximately 47,860 people. The registered shares (CSGN) of Credit Suisse AG's parent company, Credit Suisse Group AG, are listed in Switzerland and, in the form of American Depositary Shares (CS), in New York. Further information about Credit Suisse can be found at
Guy Carpenter is a leading reinsurance intermediary helping its credit risk transfer clients achieve profitable growth and efficient capital structures with a powerful combination of strategic advisory services and industry-leading analytics. In addition, Guy Carpenter’s affiliate GC Securities, a division of MMC Securities LLC, a US registered broker-dealer and member FINRA/SIPC, can provide efficient risk transfer through the capital markets.
Milliman is among the world’s largest independent actuarial and consulting firms. With more than 3,500 employees and revenues of US$1 billion in 2017, the firm serves the full spectrum of business, governmental, and financial organizations. Founded in 1947, Milliman today has offices in principal cities worldwide, covering markets in North America, Latin America, Europe, Asia and the Pacific, the Middle East, and Africa. Our mission is to serve our clients to protect the health and financial w
Milliman is among the world’s largest independent actuarial and consulting firms. With more than 3,500 employees and revenues of US$1 billion in 2017, the firm serves the full spectrum of business, governmental, and financial organizations. Founded in 1947, Milliman today has offices in principal cities worldwide, covering markets in North America, Latin America, Europe, Asia and the Pacific, the Middle East, and Africa.
Our mission is to serve our clients to protect the health and financial well-being of people everywhere. To achieve this objective, Milliman delivers customized and cost-effective solutions to measure and manage the unique risks associated with originating and servicing mortgages, providing credit enhancement and investing in mortgages. Our solutions include investment advisory services, providing consulting expertise, and licensing our proprietary CRT platform, M-PIRe. M-PIRe includes all of the required data, mortgages models, cash flow waterfalls, and simulation tools in an intuitive web-based environment that is 100% auditable and automated to allow the experts who are putting their capital at risk to spend their resources on value-added management of the portfolio.
We are one team with a defined vision to transform complex risks through the most efficient and innovative solutions. Complex circumstances need bespoke ideas and our outstanding team work collaboratively across a diverse range of disciplines to look at problems from every angle. Then we deploy our unique toolkit to transform that risk. Our three business units – Insurance, Reinsurance and Capital Partners – make us a leader in our fields, giving our customer
We are one team with a defined vision to transform complex risks through the most efficient and innovative solutions.
Complex circumstances need bespoke ideas and our outstanding team work collaboratively across a diverse range of disciplines to look at problems from every angle.
Then we deploy our unique toolkit to transform that risk.
Our three business units – Insurance, Reinsurance and Capital Partners – make us a leader in our fields, giving our customers support and confidence, and each has a unique set of capabilities to create advantage for our partners.
Our core platforms, in the UK, US, and Bermuda, are supported by strong balance sheets. They give us the grounding to build long-term relationships that we value by offering a footprint that meets our clients’ distinct requirements. From Syndicate 4711 at Lloyd’s of London, our experts also bring clarity to complex risk across a range of classes.
We are financially strong and for the year ended December 31, 2020, we reported $13.2 billion in total assets, $7.2 billion in gross reserves, $3.0 billion in total shareholders’ equity and $3.7 billion in gross written premiums. Our operating subsidiaries have been assigned a rating of “A-” by Standard & Poor’s and an “A” (“Excellent”) by A.M. Best.
Whatever approach we deploy, we empower our people to keep close to our customers across the markets in which we operate while harnessing the strength and support that comes from being part of a diverse global team.
We are a global network of professionals in the finance and alternative investment industries working together to empower women at every stage of their careers. Through peer engagement, philanthropic, and educational initiatives, our more than 15,000 members are making connections and creating opportunities that help to advance careers and strengthen our field.
The Fixed Income Investor Network currently has over 300 members from over 200 investment management firms. The association was formed with the sole purpose of serving as an investor-led coalition in the structured finance markets, committed to providing networking, education and advocacy to our members. With a means of promoting a well-functioning structured finance marketplace by providing investors with a platform to share their voice with all participants in such marketplace; a platform from
The Fixed Income Investor Network currently has over 300 members from over 200 investment management firms. The association was formed with the sole purpose of serving as an investor-led coalition in the structured finance markets, committed to providing networking, education and advocacy to our members. With a means of promoting a well-functioning structured finance marketplace by providing investors with a platform to share their voice with all participants in such marketplace; a platform from which to lead investors to consensus on important issues within structured finance and where appropriate, advocate on behalf of that consensus. The ultimate aim of FIIN and its members is to enable fixed income institutional investors and asset owners to promote a healthy marketplace that facilitates innovations, transparency and liquidity while minimizing market friction.
SPOT FRESH OPPORTUNITIES IN SECURITIZATION Every week, Asset-Backed Alert steers subscribers to money-making deals in the global market for securitized consumer loans, home mortgages and corporate receivables. The newsletter also guarantees your edge in the growing CDO market. See for yourself by signing up for a three-issue FREE trial subscription to Asset-Backed Alert. To start your free trial, call 201-659-1700 or visit
GlobalCapital is a leading news, opinion and data service for people and institutions using and working in the international capital markets. It provides you with clearly-voiced, lively coverage of key markets based on the comments of those who work in them, together with a wealth of transaction data and archive material. Whether you wish to pick up the pulse of your market, to research in detail an issuer, intermediary or asset class in a particular sector, or to check out how your institution
GlobalCapital is a leading news, opinion and data service for people and institutions using and working in the international capital markets. It provides you with clearly-voiced, lively coverage of key markets based on the comments of those who work in them, together with a wealth of transaction data and archive material. Whether you wish to pick up the pulse of your market, to research in detail an issuer, intermediary or asset class in a particular sector, or to check out how your institution is performing relative to its peers, our service is for you.
GlobalCapital descends directly from EuroWeek (“the voice of the markets”), which has been covering new issues in primary markets for 26 years. Joining the platform are also several key capital markets publications from the Euromoney Institutional Investor Group: Asiamoney, Total Securitization and Derivatives Week. GlobalCapital also sees the introduction of a brand new service on the internationalisation of the RMB.
The combination of these elements on state-of-the-art new web technology provides a device-neutral, flexible global news and data service where relevant related articles and data are a click away.
GlobalCapital.com delivers daily services dedicated to the following key market sectors: FIG/Bank Finance including Covered Bonds, Corporate Bonds, Syndicated Loans, Equity, Leveraged Finance, Sovereign and Supranational and Agency Bonds (SSA), SRI/Green Bonds, Global Emerging Markets, Securitization, Asia Pacific Markets, Derivatives, and Offshore RMB. The service comes with sector specific priced deals data sets, league tables, deal pipelines and people moves.
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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 email@example.com or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.
This Privacy Notice was updated on 23 May 2018
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).
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.
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).
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.
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.
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.
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
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.
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.
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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