Susan Tobin, Secretary Susan Tobin is currently Managing Director and Head of Credit Risk Management at MUFG Securities Americas Inc. She was previously a Managing Director at Royal Bank of Scotland (RBS) responsible for managing credit risk for the fixed income and equities sales and trading businesses. Prior to joining RBS, Ms. Tobin held Senior Credit Risk Management positions at Citigroup and BNP Paribas covering both corporate and financial institutions sectors including hedge funds. Ms. Tobin started her banking career by successfully completing Chase Manhattan Bank's Global Credit Training Program which led to progressively more senior positions in relationship management, swap sales, lending and restructuring. Following that she spent eleven years in Credit Risk Management at Salomon Brothers Inc (a Citigroup acquired company). Ms. Tobin holds a B.A. from Hofstra University and an M.B.A. from Adelphi University. She served in the past as Co-Chairperson of Capital Markets Credit Analysts Society.