Carl Dincesen is a tax exempt bond credit risk consultant for institutional and individual investors. He also provides consulting services for monocline financial guaranty insurance companies and public infrastructure project finance. Carl was employed at Ambac Financial Group for 18 years, holding a variety of positions, including credit underwriting, secondary market trading, profitability/capital allocation modeling and Managing Director for Public Finance Credit Risk Management. Prior to that, he was employed for 7 years with US Trust Company, Personal Trust and Investments Division, Municipal Research. Carl can be reached via email at cdincesen@municipal-credit-insights.com (mailto:cdincesen@municipal-credit-insights.com)