Howard has over 20 years of working experience in Banking and Finance as well as other disciplines including engineering and is currently the managing director of a boutique finance & risk management consultancy based in the UK and Jamaica.
He is recognized as a world class expert in finance and has conducted numerous consulting and training assignments locally/regionally and internationally.
Howard has held executive roles at local financial institutions such as JMMB and JNBS and has also held senior positions, within risk and capital markets, at institutions including Merrill Lynch, Deutsche Bank, Dresdner Bank and JP Morgan and has written many papers and books in the area of mathematics and its applications and has research interests covering corporate governance, risk management, asset valuation and securitization.
Howard holds a PhD in Mathematical Computer Science from Wolverhampton University; he read for a B.Sc. from Teesside University in Mathematics, Statistics & Computer Science and is a Fellow of the Institute of Mathematics and its Applications in the UK. In addition, Howard was awarded the Security & Financial Derivatives qualification in the United Kingdom and has read for a master’s level qualification at Oxford University in Financial Strategy at which he obtained a distinction. Howard is also a Certified Treasury Professional awarded by the Association of Finance Professionals.