Richard has 39 years of financial and investment experience in analyzing, structuring and monitoring investment products across diverse financial markets. He brings significant expertise in creating innovative financing and investment strategies for individuals and businesses with diverse objectives. Richard began his career in 1981 as a Trader with Midland Bank PLC in New York City. He spent several years in London and after 6 years was promoted to Chief Trader in the bank’s Capital Markets Group. In 1987, Richard accepted a position at Morgan Stanley as a Senior Trader where he remained until he left to manage a Proprietary Trading Group at Salomon Brothers. He joined Lehman Brothers in 19