Ana Arsov is a Managing Director in Moody’s U.S. Financial Institutions team. Ana is responsible for the global investment bank ratings (globally), which includes the largest Globally systemic banks in North America and Europe, as well as securities firms ratings and non-bank finance. Ana has extensive experience in analyzing financial institutions and managing credit professionals. Prior to joining Moody’s, Ana’s most recent role was at UBS, where she spent the last several years as Executive Director in Credit Risk, responsible for financial institutions. Prior to UBS, she was Head of Global Portfolio Management-Credit Risk Management at Morgan Stanley, focusing on comprehensive coverage, identification and analysis of risks across the firm’s trading and lending businesses. Ana began her career in Credit Risk Management at Lehman Brothers in various credit risk roles, ultimately heading up the North American Financial Institutions and Structured Finance team. Ana holds a master’s degree in Management (with a specialization in Financial Services and Banking) from Boston University, and a bachelor’s degree in Business from Pace University, New York. Ana was born in Skopje, Macedonia and resides in Greenwich Connecticut with her husband and two young daughters.