Steve Gandy is Managing Director, Head of Private Debt Mobilisation, Notes and Structuring for Santander Global Corporate and Investment Banking in London. He has over 27 years’ experience in the securitisation industry, having completed transactions in Europe, United States, Latin America and Asia. He serves on the Board of Directors of the European Data Warehouse, and has also served as Member Chairman of the Securitisation forum of AFME, where he participated in the development of the PCS initiative and currently serves at the chairman of the PCS Market Committee. Steve is also the current chairman of the Securitisation Working Group of the European Banking Federation. During his 40 years of banking experience, Steve held a number of management positions, with postings in the US, Mexico, Hong Kong and Paris. He holds a Bachelors of Arts degree in Linguistics from the University of Texas, and an MBA from Thunderbird, the American Graduate School of International Management, where he also won the Barton Kyle Yount Award.