credit500 finalist · andy entwistle - car dealer magazine andrew brameld - bnp paribas personal...

14
INDEX 2018/2019

Upload: lammien

Post on 23-Apr-2018

224 views

Category:

Documents


6 download

TRANSCRIPT

Page 1: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

INDEX2018/2019

Page 2: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

2creditstrategy.co.uk

Contents

Page

Car Finance 50 3

Commercial Finance 50 4

Consumer Credit 100 5

European NPL 75 7

Household Credit 75 8

Infl uencers 50 11

Knowledge & Professional Services 50 12

Trade Credit 50 13

Page 3: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

3creditstrategy.co.uk

Car Finance 50 Adrian Dally - Finance & Leasing Association

Alex Hughes - FCA Automotive Services

Alexandre Sorel - Opel Vauxhall Finance

Andy Entwistle - Car Dealer Magazine

Andrew Brameld - BNP Paribas Personal Finance

Bob Jones - Blue Motor Finance

Bob Middleton - Mercedes-Benz Financial Services

David Challinor - The Funding Corporation

David Enwright - 1st Stop Car Finance

David Johnson - Perrys Motor Sales

David Maloney - Volkswagen Financial Services

David Mercer - Moneyway

Don Brough - First Response Finance

Doug Gillies - Toyota Financial Services

Eddie Hawthorne - Arnold Clark

Erhard Paulat - Vauxhall Opel Finance

James Broadhead - Close Motor Finance

James McGee - Northridge Finance

James Wilkinson - Zuto

Jeremy Levine - Evolution Funding

Jim Drotman - Ford Credit

Joe Crump - Honda Finance Europe

John Hughes - Mann Island Finance

Julian Rance - Paragon Bank

Jun Hong - Hyundai Capital UK

Karl Werner - Motonovo

Kevin Roberts - Harley-Davidson Financial Services Europe

Liam Quegan - NextGear Capital UK

Louis Rix - CarFinance247

Malcolm Banfield - RCI Financial Services

Martin Goodwin - Listers

Mike Britton - Barclays Partner Finance

Mike Dennett - BMW Financial Services

Nagla Thabet - Black Horse

Oliver Mackaness - Billing Finance

Pascal Brasseur - Vauxhall Opel Finance

Paul Bentley - Lookers Motor Group

Paul Elder - Inchcape Retail

Peter Cottle - Startline Motor Finance

Richard Hoggart - DSG Financial Services

Richard Jones - Black Horse

Robert Dodson - Sytner Group

Sam Harvey - Jardine Motors

Page 4: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

4creditstrategy.co.uk

Shamus Hodgson - Moneybarn

Simon Barrass - JCT600

Spencer Halil - Alphera Financial Services

Steve Reynolds - Marsh Finance

Steve Rowe - Vertu Motors

Vik Hill - Santander Consumer Finance UK

Vincent Reboul - Hitachi Capital Consumer Finance

Commercial Finance 50Adrian Taylor - Paragon Bank

Alan Leesmith - European Captives Forum

Allan Rossiter - First Independent Finance

Ang Ottaway - Barclays

Carl D’Amassa - Aldermore

Caroline Roberts - Bibby Leasing

Caroline Sinclair - HSBC

Chirag Shah - Nucleus Commercial Finance

Cormac Costelloe - Dell Financial Services EMEA

David Hunter - Clydesdale Bank

David Morris - BNP Paribas Commercial Finance UK

David Oldfield - Lloyds Bank Commercial Banking

David Postings - Bibby Financial Services

David Thompson - Close Brothers Invoice Finance

Debbie Bell - ABN AMRO Asset Based Finance

Gabriele D’uva - GE Capital Equipment Finance

Gavin Wraith-Carter - Hitachi Capital Business Finance

George Ashworth - Santander Asset Finance

Giles Turner - SG Equipment Finance UK

Ian Cowie - Shawbrook Bank, Business Finance

Jean Michel Boyer - BNP Paribas Leasing Solutions UK

Jeremy Harrison - Bank of America Merrill Lynch

Jerome Le Luel - Funding Circle

John Worton - Shire Leasing

Julian Hobbs - Siemens Financial Services

Keith Morgan - British Business Bank

Keith Softly - Lloyds Bank Commercial Banking

Kerry Howells - Tower Leasing

Kieran Marshall- AIB

Mark Ripley - Premier Asset Finance

Mark Standish - Motonovo

Mary McNamara - Leasing Foundation

Matt Jones - Henry Howard Finance

Mike Francis - Investec

Nathan Mollett - Metro Bank

Page 5: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

5creditstrategy.co.uk

Neil Davies - Close Brothers Asset and Leasing Division

Nick Simpson - Asset Finance Solutions

Nick Walsh - Santander

Paul Goodman - NACFB

Paul Jennings - JCB Finance UK

Paul Lynam - Secure Trust Bank

Peter Alderson - LDF

Philip White - Wesleyan Bank

Rhydian Lewis - Ratesetter

Sam Geneen - Star Asset Finance

Simon Goldie - FLA

Steve Bolton - Barclays

Steve Swift - Kennet Equipment Leasing

Steven Pateman - Shawbrook

Tracey Ewen - IGF Invoice Finance

Consumer Credit 100Adam Freeman - Mr Lender

Adam Gwatkin - Virgin Money

Aileen Gillan - Metro Bank

Andrew Bennett - Barclaycard

Andrew Holgate - Assetz Capital

Andy Thomas - Moneybarn

Ben Whibley - Paragon Banking Group

Brian Seal - Atom Bank

C.S. Venkatakrishnan - Barclays UK

Carl Warburton - Home Retail Group

Charles Buchan - RBS

Chris Ball - Nationwide Building Society

Chris deBoer - Global Analytics (Lending Stream)

Chris Gillespie - Provident Financial Group

Chris Sparks - Atom Bank

Christine Palmer - Aldermore

Connie Smith - HSBC

Cyrille Salle de Chou - HSBC Retail and Wealth Management

David Bramley - Santander UK

David Poole - Brighthouse

David Stephen - RBS

Dennis Readman - Barclays UK

Doriana Iovino - Metro Bank

Eddie Nott - Intrum (UK)

Elaine O’Dwyer - Tesco Bank

Fraser McNeill - Coventry Building Society

Gary Jones - HSBC

Page 6: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

6creditstrategy.co.uk

Gary McKenzie - Brighthouse

Ged O’Neil - Auden

Grant Miles - Avantcredit

Hugh Fitzpatrick - Shawbrook Bank

Ian Latham - Admiral Group

Ian Simpson - NewDay

Ian Worthington - Lloyds Banking Group (MBNA)

Jaime Graham - Lloyds Banking Group

James Appleby - Vanquis Bank

James Cornell - Lowell Group

Jane Davies - RCI Financial Services

Jasper Davy - RBS

Jennifer Baldwin - NewDay

Jet Uppal - BNP Paribas Personal Finance

John Godfrey - Black Horse

John Pears - Shop Direct Group

John Turner - Paragon Banking Group

John van Kuffeler - Non Standard Finance

Jonathan Baum - Lloyds Banking Group

Jonathan Hague - Non Standard Finance

Juan Colombás - Lloyds Banking Group

Julia Dunn - Nationwide Building Society

Julian Graham-Rack - Curo Financial Technologies

Julian Winfield - Hoist Finance UK

Ken Stannard - Cabot Credit Management

Kevin Hayes - Secure Trust Bank

Leighton Grew - Shawbrook Bank

Lyndsey Edgar - Capital One

Maria Harris - Atom Bank

Marie Marsden - Shop Direct

Marie Moffatt - Zopa

Mark Delahunty - M&S Bank

Mark Gregory - Barclaycard

Mark Price - Metro Bank

Mark Staveley - Santander

Mark Thundercliffe - CYBG

Matt Handley - M&S Bank

Michael Middlemiss - Argos Financial Services

Mourad Malki - Richmond Group

Nicholas Beal - Amigo Loans

Nick Drew - CashEuroNet

Nick Winterbottom - CYBG

Nick Isaacs - Elevate

Nina White - TSB

Page 7: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

7creditstrategy.co.uk

Patricia Halliday - Santander UK

Paul Burdell - Link Financial

Paul Mason - Student Loans Company

Paul Rippon - Monzo Bank

Peter Behrens - Ratesetter

Peter Dockar - CYBG

Peter Rossiter - Starling Bank

Phil Basford - Nationwide Building Society

Richard Henderson - Tesco Bank

Richard Kernick - Santander Consumer (UK)

Richard Wells - Yorkshire Building Society

Richard Wilson - Onesavings Bank

Rick Hunkin - Provident Financial Group

Rob McQuade - Bank of Ireland

Sarah Connell - Yorkshire Building Society

Sarah Marshall - Santander UK

Sean Rahilly - CashEuroNet

Shannon Faulkner - Billing Finance

Sharon McIntire - Ford Motor Credit

Steve Fenwick - Premium Credit

Steven Pickering - Co-Operative Bank

Stuart Daniels - JD Williams

Stuart Sykes - MyJar

Tânia Ganhão - Wonga

Tasneem Bhamji - Lloyds Banking Group

Tiku Patel - PRA Group Europe

Tracey Swenne - Volkswagen Financial Services

Val McCarren - Tesco Bank

Zach Lewy - Arrow Global

European NPL 75Ab Gillhaus - Rabobank Group

Albert Angersbach - Zagrebacka Banka

Alessandro Vandelli - BPER: Banca

Alexander Benos - NBG

Alexander Tscherteu - Heta Asset Resolution AG

Amol Karve - HSBC

Andrea Pavlovi - Privredna Banka Zagreb

Andrea Rovellini - Banca Monte dei Paschi di Siena

Andrea Torri - ICCREA Banca

Andreas Burkhardt - NLB Group

Andrzej Burliga - Bank Zachodni

Bernd Mittermair - Banca Comerciala Romana

Carlo de Donato - Citigroup

Page 8: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

8creditstrategy.co.uk

Carlo Re - UBI Banca

Casper Sonnega - Santander Netherlands

Christian Meidinger - Unicredit Germany

Christoph Schoefboeck - Erste Bank Coratia & Steiermärkische

Christos Adam - Eurobank Ergasias

Christos Christodoulou - United Bulgarian Bank

Claus Von Campenhausen - Credit Agricole CIB

Craig Ballantine - Lloyds

Cristina Gheorghe-Coros - ING Romania

Damir Ivashtinovikj - Sparkasse Bank Makedonija

Didier Colin - BRD - Groupe Société Générale

Diony Lebot - BRD - Groupe Société Générale

Dominic Clarke - Allied Irish Bank

Dr. Marcus Chromik - Commerzbank AG

Eugenio Rossetti - Intesa Sanpaolo

Gaetano Lattanzi - BHW Bausparkasse

George Bobvos - Pravex Bank (Intesa Sanpaolo)

Igo Gruden - BAMC (DUTB)

Iñigo Velázquez - Bankia

Jacques Beyssade - Groupe BCPE

Jan Gross - HSH Nordbank

Jean-Charles Lagache - BNP Paribas

Jordi Mondéjar López - Caixabank

Jose María Sagardoy - Banco Popular

Jose Sarmento - Millennium Bank

Josef Busuttil - FECMA

Julie Galbo - Nordea Bank

Kamil Cekala - Eurobank

Kelvin Withington - Barclays

Krista Baetens - ING Belgium

Leigh Berkley - FENCA

Liviu Macoveiciuc - Raiffeisen Bank Romania

Luminita Runcan - Banca Transilvania

Manuel Angel Gómez Gilabert - SAREB

Mark Wouldhave - UKAR

Massimo Prestipino - UniCredit

Matthias Wargers - EAA

Michael Mendel - Volksbank

Michalis Athanasiou - Bank of Cyprus

Michele Provinciael - ING Bank

Milan Mirkov - Vojvodanska Banka

Mirona Dolocan - BRD - Groupe Société Générale

Neil Fuller - Bank of Ireland

Nico Uijterwaal - ABN AMRO

Page 9: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

9creditstrategy.co.uk

Nicola Carnevale - Banca Monte Dei Paschi Di Siena

Nicolae Olteanu - Credit Agricole Bank Romania

Nicoleta Butoi - UniCredit Bank

Nikos BEIS - NBG Cyprus

Omar Garcia Peral - BBVA

Pavel Brezina - Erste Group

Richard Engel - PKO Bank Polski

Sergio Coelho - Bankinter

Slawomir Dziewirz - Alior Bank

Spyros Papaspyrou - Piraeus Bank

Stephan Winkelmeier - FMS

Stephen Groarke - Permanent TSB

Theodoros Athanassopoulos - Alpha Bank

Toni Stojanovski - Stopanska Banka, Skopje

Vittorio Savarese - Banca IMI

Zeljko Petrovic - Banca Intesa

Zsolt Mizera - Budapest Bank

Household Credit 75Adrian Betts - Vodafone

Amanda Scovell - Thames Water

Andrew Hancock - EDF Energy

Andrew Springall - Co-Operative Energy

Andy Clayfield - Hutchinson 3G/Three

Andy Cook - Ovo Energy

Andy Hughes - Severn Trent Water

Andy Wills - South West Water

Anna Marie Roberts - Dwr Cymru

Anne Curran - Virgin Media

Annette Hardcastle - Centrica

Barry Forster - nPower

Chris Welby - Bristol Energy

Christina Renshaw - Opus Energy

Claire Moore - E.ON

Colin Smith - SSE

Daniel Sheppard - Hutchinson 3G/Three

Darren Hall - Virgin Media

Diana Higgins - Centrica

Douglas Lewis - Scottish Power

Duncan Carter - Co-Operative Energy

Elaine Faulkner - BSKY

Emmanuel Laffont - BT

Eric Bash - Ofcom

Fiona Bailey - United Utilities

Page 10: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

10creditstrategy.co.uk

Gary McCready - Dixons Carphone

Geraldine Irwin - Northern Ireland Water

Ian Parry - Pure Planet

Jamie Gibson - Water Plus

Jay Bains - Extra Energy

Jill Bellingham - South East Water

John Hegarty - SSE

John Preston - Tesco Mobile

John McCall - Scottish Water

Jon Tibbo - Ovo Energy

Jonathan Madill - BT

Karen Brocklebank-Lambert - Plusnet

Kevin Fogarty - Scottish Power

Les Metcalfe - South West Water

Lisa Connell - Northumbrian Water

Luke Harrison - Opus Energy

Margareta Serfozo Matharu - OFWAT

Mark Bowden - O2 Telefonica

Mark Field - Southern Water

Mark Ramsey - Severn Trent Water

Mark Wilkinson - Northumbrian Water

Matt Baker - Centrica

Matt Mattock - O2

Matthew Cole - nPower

Matthew Egan - O2

Meghna Tewari - OFGEM

Meyrick Almeida - EDF Energy

Michelle Atkinson - United Utilities

Michelle Simpson - Southern Water

Michelle Toovey - Vodafone

Mike O’Reilly - EE

Paul Hawkins - BT

Paul Stretton - Extra Energy

Phil Eayres - TalkTalk

Phil Mead - Dixons Carphone

Ranjit Krishna - EE

Rob Laban - E.ON

Rob Smith - Smart Energy GB

Sally Gronow - Dwr Cymru Water

Sarah Bentley - Severn Trent Water

Simon Bell - First Utility

Spencer Hough - Anglian Water

Steve Banks - nPower

Steve Crabb - British Gas

Page 11: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

11creditstrategy.co.uk

Steve George - South East Water

Sue Lindsay - Wessex Water

Tim Wakley - Thames Water

Tracy Porter - EE

Trafford Wilson- BT Business

Zoe Ackland - TalkTalk

Influencers 50Adam Plainer - Turnaround Management Association UK

Andrew Bailey - Financial Conduct Authority

Angela Clements - Fair For You

Bob Pinder - Institute of Chartered Accountants of England and Wales

Caroline Rookes - Money Advice Service

Caroline Wayman - Financial Ombudsman

Catherine Ross - Ofwat

Chris Fitch - University of Bristol

Christine Farnish - Peer 2 Peer Finance Association

Dave Pickering - Lending Standards Board

David Fergusson - The M&A Advisor

David Kerr - Insolvency Practitioners Association

David Magor - Institute of Revenues Ratings and Valuation

David Mond - Debt Resolution Forum

Dermot Nolan - Ofgem

Eric Leenders - British Bankers Association

Fiona Hoyle - Finance & Leasing Association

Gillian Guy - Citizens Advice

Graham Rumney - R3

Graham Rusling - Institute for Turnaround

Greg Stevens - Consumer Credit Trade Association

Jackie Tribe - UK Cards Association

Jason Wassell - Consumer Finance Association

Jeff Longhurst - BFA

Joanna Elson - Money Advice Trust

John Kirkby - Christians Against Poverty

John Ricketts - Credit Services Association

Jonathan Davidson - Financial Conduct Authority

Jonathan Horsman - All Party Parliamentary Group on Alternative Lending

Kevin Still - Debt Managers Standards Association

Lee Rowley - All Party Parliamentary Group on Alternative Lending

Lord David Hacking - Chartered Institute of Arbitrators

Malcolm Hurlston - Registry Trust

Mark Lyonette - Association of British Credit Unions

Paul Smee - UK Finance

Peter Wallwork - Credit Services Association

Page 12: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

12creditstrategy.co.uk

Phil Andrew O’Connor - StepChange Debt Charity

Philip King - CICM

Richard Dennis - Accountant in Bankruptcy

Right Hon Liz Truss - Ministry of Justice

Russell Hamblin-Boone - CIVEA

Ruth Sutherland - Samaritans

Sarah Albon - Insolvency Service

Sharon White - Ofcom

Simon Dukes - CIFAS, the UK’s Fraud Prevention Service

Stephen Allinson - Insolvency Service Board

Stephen Jones - UK Finance

Stephen Sklaroff - Finance & Leasing Association

Susan Acland-Hood - HM Courts and Tribunals Service

Yvonne Fovargue - Debt and Personal Finance, All-party Parliamentary Group

Knowledge & Professional Services 50Ajay Rawal - EY

Alex Barnett - Callcredit

Alex Ellerton - Grant Thornton UK

Alun Sweeney - Atradius

Andrew Jones - Computershare

Andrew Jenke - KPMG

Brian Pitt - Rockstead

Caroline Burston - Credit Resource Solutions

Charles Butterworth - Experian

Christian Jacob - Qualco

Dale Williams - Telrock

David Edmonds - Deloitte

David Hosein - OC&C

David Scottow - DWF

Denise Crossley - Lantern

Eamon Tierney - Callcredit

Frances Coulson - Moon Beever

Frank Horvath - Link Financial

Gareth Hughes - Marston Group

Gary Gilburd - Sigma Financial Group

Gordon Dean - High Court Enforcement

Gwyn Roberts - HighRadius

Ian Larkin - Target

Jamie Waller - Arum

Jake Ranson - Equifax

Jane Dunlop - Clarke Willmott

Joanne Liddle - PRA Group

Karen Clements - Capita

Page 13: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

13creditstrategy.co.uk

Laurence Hamilton - Lowell

Mark Cowen - Capita

Mark Johnstone - Arum

Matthew Hennessey-Gibbs - Devonshires

Michael Giddins - Lester Aldridge

Neil Fung-On - BDO

Niall Gilhooley - Ascent

Nicholas Ross - Huntswood

Noyan Nihat - Transactive

Omar Ali - EY

Owen James - PRA Group Europe

Patrick Robinson - Linklaters

Paul Jenkins - Wescot

Paul Verner - TDX Group

Peter Birch - Deloitte

Phil Stark - TalkingTech

Philip Holden - Drydensfairfax Solicitors

Richard Abelson - Merje

Richard Haymes - TDX Group

Richard Thompson - PwC

Sarah Jackson - Equiniti

Sarah Wallace - Irwin Mitchell

Steven Cooklin - Manolete Partners

Tamara Box - Reed Smith

Tim Vine - Dun & Bradstreet

Waine Mannix - Shoosmiths

Wayne Whitford - Court Enforcement Services

Trade Credit 50Adrian Johnson - Harley Davidson Europe

Alessandro Buccolini - Coswell

Alessio Pinna - Rockwell Automation

Alexander Merinov - Rostelecom

Andrea Baker - Immarsat

Angela Bradbury - Innospec

Arnold Geelhoed - Hitachi Construction Machinery (Europe) NV (HCME)

Atul Vadher - French Connection

Chistopher Hughes - Multiplay

Christine Laird - Grafton Merchanting GB

Colin Hingston - Instron

David Fisher - Shell Trading

David Thornley - Fort Vale Engineering

Diana Keeling - Ian Williams

Gary Brooks - Hitachi Europe

Page 14: Credit500 Finalist · Andy Entwistle - Car Dealer Magazine Andrew Brameld - BNP Paribas Personal Finance Bob Jones - Blue Motor Finance ... James Broadhead - Close Motor Finance

Members

14creditstrategy.co.uk

Glen Bullivant - CICM

Guy Thompson - Sun Chemical

Jackie Borthwick - ABS Europe

Jacques Vincken - Shell

Jan Schneider - Maessen - BvCM, Germany

John Kelly - Doosan International

Katherine Bailey - Valor Hospitality Europe

Klara Boor - Parker Hannifin SARL

Tim Lane - International Credit & Trade Finance Association

Louise Hodgkiss - Emerson Network power

Maarten A. Wisseborn - Parker Hannifin

Martin Kirby - Kier Group

Martine Zimmerman - F. Hoffmann-La Roche

Martyn Brooke - Rockwell automation

Miguel Beneito - DuPont de Nemours International Sarl

Mike Poole - Travis Perkins

Nick King - Eltek AS

Nick Tiltman - Tech Data UK

Nicolas Vidoni - Twentieth Century Fox

Patrizio Garziano - Cochlear

Paul Cahill - Jewson

Paul Martin - Alliance Pharmaceuticals

Phil Rice - Aggregate Industries

Professor Ludo - Theunissen - IvKM, Belgium

Robert Dyrcz - Polish Institute of Credit Management

Shaun Skene - Weatherford

Simon Howell - Tarmac

Simon Johnson - SIG

Stanislav Kashin - RuICM, Russia

Steve Hicks - Screwfix Direct

Theresa Callaghan - Mischon de Reya

Vincent-Bruno Larger - AFDCC

Vittorio Martorano - Samsung

William Bastiaan - Creditreform International

William Rigby - Robert Walters / Resource Solutions