Steve has over two decades experience in financial services, analytics and investing. Steve is a senior level finance, risk and operations executive with a proven history of identifying and quantifying financial, credit and business risks, detecting and remedying regulatory and compliance deficiencies, while growing market share and revenue through producing high-levels of market leading research, cultivating business relationships and a keen eye on detail. Steve is a subject manner expert in risk analysis, global financial institutions, fixed income instruments and US and European regulatory matters. Steve experienced the financial crisis first hand, as an analyst at a rating agency. He has published mass amounts of commentary on the unfolding crisis as it happened from 2008 through present. Steve's global experience is evident in his accomplishments in analytics, business building, public speaking and investor relations. Steve's articles, full CV, availability for employment and accomplishments are summarized on www.stevepicarillo.com.