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Crystal Barajas

Director of Default Management
Westerra Credit Union

Crystal Barajas Director of Default at Westerra Credit Union – Mrs. Barajas has 25 + years’ experience in the lending/origination industry with a key focus in the last 12 years on servicing and risk management of consumer, mortgage, and commercial loan portfolios. Extensive experience with default recoveries, risk management, and loss mitigation. 
 

Gene Buccola

CEO
High Plateau LLC

Gene Buccola is an accomplished business leader with a proven track record of delivering significant returns within his portfolio of companies. Gene has ten years of Special Credit Banking experience with industrial, commercial, and residential properties. Gene's banking experience combines with three decades of distressed real estate sales and marketing, often exhibiting unique challenges; title, access, tax, and construction liens, environmental and structural. In addition, Gene has experience building a multi-state team of real estate professionals. This broad-based approach assists lending institutions and government agencies (Fannie Mae, Freddy Mac, VA, FHA) with ... (view full description)

Cam Childs

SVP
Directed Capital

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

Bill Clarkson

SVP
Torchlight Loan Services

Bill is a Senior Vice President in the distressed debt workout group of Torchlight Investors.  He has 13 years of professional experience.  Prior to Torchlight, Bill worked at Ten-X, LNR Partners, Rockwood Real Estate Advisors and First Potomac Realty Trust.  Bill holds an MBA from the University of Florida and a BBA from Roanoke College.

Joseph Cuomo

Senior Vice President, Head of Sales
Ten-X

Joseph Cuomo is the Senior Vice President and Head of Sales for Ten-X, a CoStar Group Company, responsible for overseeing the team’s business development efforts with institutional and private owners and commercial brokers. Joseph joined Ten-X from LNR Partners where he managed the firm’s loan sale advisory business and before that, spent two years running a commercial real estate consulting firm, Lighthouse Advisory Services. Prior to starting Lighthouse, Joseph worked as a Vice President at Merrill Lynch in the commercial real estate group where he served as an investment banker managing CMBS fixed-rate and floating-rate securitiz ... (view full description)

Bob Drury

Sr. Managing Director
CREXi

Bob Drury has been involved in the real estate industry since 1987, focusing primarily on acquisitions, re-development and dispositions of commercial real estate. Mr. Drury currently is Senior Managing Director at CREXi, overseeing growth of the company's transactional services including CREXi's Auction Platform and Elite Services. Prior to joining CREXi in 2019, Mr. Drury was engaged for eight years to help grow the private client group at Auction.com/Ten-X Commercial (Ten-X), focusing on transacting third party and REO commercial asset sales in an on-line auction format. Prior to Ten-X, Mr. Drury was Sr. Vice President of Acquisitions/Devel ... (view full description)

Scott Gillanders

SVP, Credit & Operations Manager
Berkshire Bank

A native Californian and avid fan of architecture, Scott started his career at Wells Fargo in San Francisco over 30 years ago where Scott managed sales originations for twenty of the banks largest branches in and around San Francisco.   Relocating to the East Coast in 2000, and transitioning to a credit and risk management role, Scott is happy to call Philadelphia home where he is currently Sr. Vice President, Credit & Operations Manager at 44 Business Capital, a Division of Berkshire Bank.  A true renaissance man Scott holds a BS Degree from Drexel University with a minor in Architecture.  Scott has melded his love of architecture to the practical knowledge of banking, ... (view full description)

Doug Goldin

General Counsel
LSQ Funding Group, L.C.

Doug heads LSQ's legal department where he guards against legal risks and provides counsel to LSQ on a wide variety of corporate, contract, employment and compliance related matters. 
 

Adam Goller

EVP, Head Fintech Banking
Cross River Bank

Mr. Goller is the Chief Credit Officer at Cross River Bank where he is responsible for the overall management of the Bank's lending department. He also oversees its marketplace lending division. Aside from marketplace lending loans, Cross River Bank originates commercial real estate and small business loans. Mr. Goller also manages the loan servicing department and is responsible for all credit and compliance matters related to lending.  Mr. Goller is a member of the Bank’s executive team and has been at the Bank since its inception in 2008. Previously, he held positions at Fitch Ratings, in their RMBS group, and First Meridian Mortgage, in underwriting.    ... (view full description)

Ben H. Harris, III

Partner
Jones Walker LLP

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

Mary Jo Heston

Judge
U.S. Bankruptcy Court

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

Ming Jin

Director
China Merchants Bank, New York Branch

Balance sheet and CMBS lender with focus on China U.S cross-border CRE borrowers/sponsors.

Javier Jorge

SVP, SBA Director
Pilot Bank

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

Jim Ketchersid

Special Assets Manager
Farmers & Merchants Bank of Long Beach

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

Tina Lucas

SVP & Manager
Banner Bank

Tina Lucas heads the Asset Based Lending group at Banner Bank, where she assists middle market business with financing for acquisitions and high growth sales initiatives, along with recovery plans in turnaround scenarios.  Prior to her work at Banner, Tina founded Lucas Consulting Group, LLC, a consulting firm that specializes in turnaround consulting, business restructuring and M&A due diligence.  Prior to founding Lucas Consulting Group, Tina was a Principal at The Parkland Group, a debtor-focused consulting practice that specialized in turnaround strategy, including bankruptcy, financial advisory and 363 sale engagements.   Prior to joining The Parkland Group, Tina held se ... (view full description)

Steve Martens

CEO/Principal
NAI Martens

Steve has more than 45 years of commercial real estate experience and continues to be a top producer in South Central Kansas. Additionally, Steve is a state certified appraiser, Certified Property Manager and has extensive experience working with troubled properties. For more than 25 years, Mr. Martens has blended his background in property management, valuation and sales to reposition distressed hospitality properties for internationally flagged chains throughout the Midwest. Since 2011, Mr. Martens has owned and/or developed five award-winning hotel properties under the Choice Hotels and Best Western flags in Kansas and Oklahoma. He was Best Western Hotels & Resorts and Res ... (view full description)

Colin McClary

Managing Director
MorrisAnderson & Associates

Colin is a Managing Director at MorrisAnderson. He brings valuable financing, banking, restructuring and private equity experience, having formerly worked in the Special Assets/Workout, Debt Private Placement and Corporate Banking Groups at Bank of America and as a Managing Director at Z Capital Partners LLC, a $2.3BN distressed-for-control private equity fund.Colin assists clients with contract and lender negotiations, debt restructuring, capital raising, financial and operational analyses, cash flow projections, budgets, business valuations and the preparation of transaction and due diligence materials. ... (view full description)

Robert Milam

Director of Originations
Summit Investment Management

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

Joel Minamide

SVP
U.S. Bank

Joel Minamide is a Senior Vice President and Senior Team Lead in the Special Assets Group of U.S. Bank in Irvine, CA. He oversees a team of professionals who manage a West Coast portfolio of problem and distressed loans. He is also a cohort/mentor in U.S. Bank's Risk Management & Compliance Multicultural Group, which focuses on various DEI issues.  Previously, Joel supervised teams charged with large, complex CRE and C&I relationships at California National Bank (acquired by U.S. Bank), The Toyo Trust and Banking Co., Ltd., and Sumitomo Bank of California (now California Bank & Trust). One of his most high-profile assignments involved a co-lender loan transaction which later beca ... (view full description)

Subhash Naik

Principal Broker
Hotel REOS

Subhash Naik is an accomplished professional offering an impressive track record in Commercial Real Estate. Mr. Naik’s colleagues would best describe him as a focused, management-driven, profit-oriented business analyst with superior problem solving ability. He is acknowledged as a top performer in key client relationship management and a driving force in asset origination. He is skilled in leading the development of project financing through astute financial modeling, as well as experienced in analyzing financials and assessing risk, building and implementing risk management strategies and asset management protocols. He brings these skills to serve the needs of his clients and help them pro ... (view full description)

Michael Nanosky

President
Janus Hotels and Resorts

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

Jay Olshonsky

President & CEO
NAI Global

Jay Olshonsky, FRICS, SIOR, CCIM is the President and Chief Executive Officer of NAI Global since December 2012 when C-III Capital Partners LLC acquired NAI Global. Jay is responsible for the all operations of NAI Global, as well as an active leader on the NAI Global Capital Markets Group, which focuses on the disposition of individual assets, notes and portfolio sales in a number of property sectors including office, industrial, retail and hotel. Jay has been instrumental in growing the organization by adding offices domestically and internationally, increasing annual revenues and profits, while expanding service lines. NAI Global is one of the largest commercial real estate firms wor ... (view full description)

Kenneth Ottaviano

Partner – Finance, Chair of the Chicago Office
Blank Rome LLP

Ken regularly represents traditional and nontraditional financing sources in complex insolvency and restructuring matters throughout the country. He has significant experience in major corporate bankruptcies, out-of-court workouts and restructurings, local and multijurisdictional assignments for the benefit of creditors, federal or state court receivership actions, judicial and non-judicial foreclosures, Uniform Commercial Code sales and other remedies, and various debtor-creditor litigation matters.Ken also represents lessors, indenture trustees, bondholders, borrowers, guarantors, debtors i ... (view full description)

Rakesh Patel

Senior Vice President
CWCapital

Raised in a hotel family, Rakesh was brought up inside the real estate industry. After many years progressing through property management and development, and throughout the capital stack, Rakesh brought his leadership skills to RealINSIGHT Marketplace. Rakesh focuses on maximizing results with a transparent process. Emphasis is placed on focusing time to understand client needs and utilizing RealINSIGHT Marketplace technology to efficiently execute strategy.

Domonic Purviance

Subject Matter Expert
Federal Reserve Bank of Atlanta

Mr. Purviance serves as a Senior Financial Policy Analyst within the Supervision and Regulation division at the Federal Reserve Bank of Atlanta. In this function, Mr. Purviance is primarily responsible for conducting an ongoing assessment of risks associated with residential real estate markets and the potential impacts they may pose to the financial system. This includes analyzing conditions within individual markets as well as the impacts of external forces on real estate. In addition, Mr. Purviance is responsible for developing real estate related analytical reports and tools utilized throughout the Federal Reserve System to aid in risk surveillance and banking supervision. Prior to joini ... (view full description)

Brad Salzer

President
Redstone Investments

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

Walter Schuppe

SVP/Managing Director
CapitalSource

Walter has been in the banking industry for 29 years and has been handling troubled loans for 25 years. Walter has worked at Citibank, Dai-Ichi Kangyo Bank and Fleet Bank in various lending and credit capacities. Walter is currently the Managing Director of the Special Assets Group at CapitalSource. During his tenure at CapitalSource he has also served as Chief Credit Officer for the Corporate Finance Business and the European Lending Business. Walter is a CPA and has also been a CFO and co-general manager of a metal stamping company and a Crisis Manager of a Frozen Novelty company.

Bill Serritella

Partner
Taft Stettinius & Hollister LLP

WILLIAM J. SERRITELLA JR. is a partner in the firm's Litigation group. He is a commercial litigator who focuses his practice on banking, commercial and appellate litigation. He is widely recognized as one of the premier complex commercial workout and bankruptcy litigators in Chicago. Bill also has extensive experience as an appellate lawyer, having handled numerous appeals in various Federal and State Courts, and he was an adjunct professor of Appellate Advocacy at Loyola University School of Law in Chicago. Bill has lectured on numerous topics, including commercial real estate workouts, Uniform Commercial Code issues, trial practice, appellate practice, contract law, sales commi ... (view full description)

Mark Silverman

Member
Dykema

Mark Silverman is an attorney in Dykema’s Chicago office practicing in the areas of business and financial services litigation. Mark’s practice covers a wide range of complex commercial litigation, lender’s liability defense, banking, fraudulent conveyance and general fraud litigation, class action litigation, contract disputes, commercial foreclosures, commercial real estate transactions, post-judgment collections proceedings, and general business disputes. Mark represents banks, credit unions, large CMBS special servicers, purchasers of non-performing commercial real estate and C&I loans and investors in loan enforcement litigation and commercial foreclosure actions. He reg ... (view full description)

Beverly Tengco

Special Assets Officer
Umpqua Bank

I currently work for Umpqua Bank as a VP Special Assets Officer CRE Team Leader.  I have successfully managed troubled credits for the past 18 years with a concentration in commercial real estate for the last ten years.  I graduated from Sacramento State (BS – concentration in Finance) and am in the process of obtaining a MBA from Sacramento State (concentration in Finance).
 

James Urbates

Managing Director
BMO Financial Group

Jim is a managing director and team leader in BMO’s Special Asset Management Unit in Chicago, IL where he focuses on managing BMO’s credit exposure in situations that have become distressed or that are facing financial or operational headwinds.  BMO’s special asset group partners with key business lines within the BMO organization to bring troubled credit management, turnaround, and restructuring expertise in order to mitigate risk and maximize recoveries.  In this capacity, Jim leverages his relationships with industry experts and bankruptcy and restructuring advisors and attorneys to identify and implement strategies and tactics to facilitate operational turnarounds and r ... (view full description)

Steven Vazquez

Managing Director | Hotels
NAI Global

Mr. Vazquez is a Managing Director of NAI Global Capital Markets and head of the firm’s hotel practice. His primary responsibilities include the origination and execution of hotel investment sales, debt financings, and note sales. Since joining NAI Global in January 2013, he has overseen the successful completion of over 85 lodging transactions across 28 states throughout the country. Mr. Vazquez is also a member of the Restructuring and Advisory Group at Island Capital (the parent company of NAI Global and C-III Capital Partners), focusing on hotel CMBS restructuring on behalf of borrowers. ... (view full description)

Edward Weil

Member
Dykema

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

Mark Welch

Principal
MorrisAnderson & Associates

Mark J. Welch, CPA, CTP is a Principal at MorrisAnderson based in Pittsburgh. He has over 20 years in bankruptcy and restructuring experience especially in leadership roles and fiduciary positions with clients.Prior to joining MorrisAnderson, Mark was the Director of Internal Audit at Southern Air Transport, Inc., a mid-sized cargo air-transport airline. He also spent eight years with the Office of Inspector General for both the Federal Deposit Insurance Corporation and the Federal Home Loan Bank Board. In that capacity, he specialized in fraud investigation, lost prevention, large bank assistance agreement transactions, liquidat ... (view full description)

Douglas Wilson

Chairman and CEO
Douglas Wilson Companies

Mr. Douglas Wilson brings nearly 35 years of experience in problem resolution, development, and real estate management to his Companies’ clients. During his career, Mr. Wilson has overseen the development and management of nearly $15 billion in assets and has served as a Court-Appointed Fiduciary for over 1,200 State and Federal Court matters, located in 35 states.  Prior to founding Douglas Wilson Companies in 1989, he was the managing general partner of the company that developed Symphony Towers, a $160 million, 1.2 million square foot office and hotel complex; one of downtown San Diego’s largest mixed-use projects of its kind. ... (view full description)

Jon Winick

CEO
Clark Street Capital

Jon Winick is President of Clark Street Capital, a full-service bank advisory and asset disposition firm. Managed by seasoned professionals with extensive “buy-side” experience, Clark Street Capital offers intrinsic knowledge and expertise on a wide range of assets from bank portfolio loans to securitized assets. Prior to co-founding Clark Street Capital, Jon Winick was National Marketing Director for Zions Bank, a $53 billion bank headquartered in Salt Lake City. Working for the Zions National Real Estate division, a wholesale acquirer of commercial real estate mortgages primarily from financial institutions, Winick was responsible for acquisitions in the Midwest and national marketing effo ... (view full description)
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*Law and Jurisdiction. Where you visit, register and/or subscribe to a this site or related service (as indicated on this website or otherwise notified to you), these terms (and any dispute or claim arising out of or in connection with these terms, including non-contractual disputes or claims), to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of the State of New York. Any action to enforce these terms shall be brought in a federal court or a state court located in the state of New York, county of New York, and you agree to submit yourself to the personal jurisdiction of those courts in any such action.

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

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

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

Introduction - Who we are

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

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

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

This Privacy Notice was updated on 23 May 2018

Our Approach to Your Privacy

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

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

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

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

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

What Personal Data We Collect & Why

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

  • Registration, Free Trials & Subscriptions

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

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

  • Events & Conferences

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

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

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

  • Advertising & Marketing

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

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

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

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

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

  • Online Targeted Advertising

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

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

  • Lead Generation and Scoring

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

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

  • Surveys, Market Research & Customer Feedback

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

  • Public forums, message boards and blogs

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

  • Business or Asset Sale

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

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

  • Additional Third Party Disclosures

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

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

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

International Transfers

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

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

Retention Periods

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

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

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

How You Can Set Your Data & Privacy Preferences

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

Your Rights

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

  • Access & Portability

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

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

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

  • Rectification, Restriction, Objection

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

  • How to Exercise Your Rights

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

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

    Email: dataprotectionofficer@euromoneyplc.com

    Web form: Complete Subject Data Request Form

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

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

Protecting Your Data

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

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

Third Party Sites

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

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