Gaby Trinkaus Vice President – Senior Credit Officer Moody's Investors Service

Dr. Gaby Trinkaus, CFA is a VP-Senior Credit Officer serving as a rating committee chair in the structured finance surveillance group covering European securitisation transactions backed by residential mortgage, auto and consumer loans. She leads a team of SFG surveillance analysts in Frankfurt and manages projects and contributions of the surveillance group relating to the analytical process, applicable tools and methodologies.  Gaby joined Moody's Structured Finance Group in the new ratings team in Frankfurt more than 10 years ago. She moved to Moody’s Investors Service in London in August 2014 - during this time she transitioned into the surveillance team covering the analysis and research for various ABS and RMBS asset classes in Europe. In August 2018 she changed to Moody’s SFG surveillance team in Frankfurt. Over the years, Gaby contributed to various initiatives and projects to streamline the rating committee process and documentation.  Prior to joining Moody’s, she worked as a Senior Manager and team leader in the securitisation services division of Deloitte overseeing projects at asset managers and banks regarding significant risk transfer, effectiveness of controls, and data quality. Gaby studied at the university of Münster (master of business administration) and completed her doctorate degree at the banking department of the university of Cologne analysing regulatory aspects impacting capital relief in synthetic RMBS transactions. Gaby is a CFA® charterholder.

Yuval Toledano is an Analyst in the Structured Finance Group based in Frankfurt, Germany. Yuval has more than 7 years of experience within structured finance and is currently a lead analyst in the EMEA Consumer Surveillance team. He specializes in monitoring ratings of ABS and RMBS transactions in the EMEA region. Yuval joined Moody’s in September 2017 as an Associate Analyst. Prior to joining Moody’s, he worked in the Structuring department at NIBC Bank in The Netherlands, where he structured a wide variety of securitization transactions, with a focus on Dutch RMBS and Covered Bonds.  Yuval holds a J.D. from Emory University School of Law and a B.A. from the University of Virginia.

Cas Bonsema Senior ABS & Covered Bond Analyst Rabobank

Cas Bonsema is part of the Credit Strategy & Regulation team and covers European Asset-Backed Securities (ABS) and covered bonds, with a focus on (Dutch) RMBS and Dutch covered bonds.

Before joining Rabobank in 2018, Cas was junior fund manager asset allocation at BMO Global Asset Management. As part of the Fiduciary Investment team, he serviced institutional clients, mainly Dutch pension funds. Before working at BMO, he completed a six-month internship in the Macro Strategy team within the RaboResearch Global Economics & Markets department at Rabobank.

Cas holds a master’s degree in Finance (with honours) from the University of Groningen. He passed his CFA Level I exam in June 2018 and his CFA Level II exam in June 2019.

Tina Kumchev joined Moody’s in 2012 as a lead analyst on new ratings and surveillance CMBS securitizations, primarily focused on the UK and Germany. She joined the ABS and RMBS new ratings team in February 2021, where she is focused on UK securitizations. 

Prior to joining Moody’s Tina worked at Deutsche Bank private equity in London and KPMG corporate finance in the Netherlands, covering the real estate sector. 

Tina holds an MBA from INSEAD, MA in International Relations and Economics from the University of Amsterdam and CFA UK Level 4 Certificate in ESG Investing.