ÂÜÀòÂÒÂ×

Robert Gaito, FRM, has a comprehensive work experience in the field of risk management and analytics. Robert began their professional journey as Vice President - Global Structured Finance & Investments at Merrill Lynch in 1998. In this role, they conducted securitization collateral analysis and structuring, rating agency analysis, and whole-loan pricing of various consumer ABS and non-agency RMBS receivables.

Afterwards, Gaito transitioned into the role of Vice President - Global Corporate Credit Risk, still at Merrill Lynch, where they focused on risk analysis and approval of asset-based lending facilities to specialty finance companies. Robert assessed counterparty exposure risks, approved advance rates, and negotiated ISDA terms for derivatives utilized in the transactions.

In 2010, Gaito joined State Street as Risk Director - Global Treasury Investment Portfolio. Here, they conducted quantitative risk analysis and surveillance of the global treasury investment portfolio, with a specific focus on consumer ABS and non-agency RMBS asset classes. Additionally, they assisted in managing and constructing the structured credit portfolio through qualitative and quantitative sector analysis.

Gaito's most recent position is as Vice President - Credit Risk Analytics at Eastern Bank, which they started in 2023. Unfortunately, the details of this role are not provided in the given information.

Robert Gaito, FRM has a Bachelor of Science degree in Finance with a minor in Economics from the University at Albany School of Business. Robert also holds an Advanced Certificate in Financial Risk Management from New York University's School of Continuing and Professional Studies. Additionally, they are a Certified Financial Risk Manager (FRM) obtained through the Global Association of Risk Professionals (GARP) in February 2010.