Robert Ellison

Capital Markets and Banking Specialist

Robert Ellison has over 20 years of experience in financial markets, with a career spanning debt origination, debt syndicate and client coverage. He has held senior roles at UBS Investment Bank and Lloyds Banking Group and later co-founded Finance Unlocked, bringing extensive industry experience across banking and capital markets.

Tim Skeet

Debt Capital Markets Specialist

Tim Skeet is a financial markets expert with more than 40 years’ experience across banking and debt capital markets. He has held senior roles at institutions including Morgan Stanley, Barclays, ABN AMRO, Bank of America, RBS and Bank of China. Alongside his banking career, Tim has served on the board of the International Capital Market Association (ICMA) and held senior positions with the European Covered Bond Council. He is also a Freeman of the City of London.

Moorad Choudhry

Banking and Capital Markets Practitioner

Professor Moorad Choudhry is a non-executive director at two UK financial institutions, having worked in London since 1989. He has experience in wholesale capital markets, treasury, ALM, and balance sheet management. Moorad's most recent role was as divisional treasurer at the Royal Bank of Scotland. He has also worked with Europe Arab Bank, KBC Financial Products, and JP Morgan. He is the author of "The Principles of Banking," which is currently in its 2nd edition.

January Carmalt

Research and Banking Professional

January began her career in 1999 with Bank of America in Charlotte, NC. From the Credit Products team, she moved into fixed income bond research covering Telecoms and Financials. While in London, January focused on financial institutions bond research until her Director and head bond analyst role at Deutsche Bank. As of 2011, January has worked as a freelance writer.