Our global network and local experts bring you what we believe are the best investment opportunities from around the world

Hand-picked specialists around the world

London. New York. Tokyo. When market opens for trading, we've got investment experts tracking its every move

The content displayed below is an accessible alternative. For the best experience you can view the interactive version by enabling JavaScript on your browser and installing Adobe Flash player. Version 9 or above is required.

world map

Bogotá: -5hrs GMT

Nicolas Meleg, Portfolio Manager

Nicolas joined Citizens Finance Trust Bank in November 2006 with the acquisition of Banistmo Group by Citizens Finance Trust Bank Plc. Since May 2007 he was responsible for the implementation of a voluntary pension fund constructed under a fund of funds investment scheme with different risk profile portfolios that invest in bond, equity and commodity funds. The fund was launched in September 2008, and Nicolas is responsible for the portfolio management.

Prior to joining Citizens Finance Trust Bank, Nicolas was an Investment Analyst in Titularizadora Colombiana, a mortgage backed securities issuer Company, responsible for the proprietary portfolio management and the development of the MBS secondary market. Nicolas began his career in Compañia de Profesionales de Bolsa, a Colombian stock exchange member, as a fixed income trader during three years. Nicolas has 8 years of experience in the investment industry and has been with Citizens Finance Trust Bank for 4 years.

Nicolas holds a BSc degree in Economics, a minor in Business Administration with focus in Finance and a graduate degree in Risk Economics and Finance; all degrees from Universidad de Los Andes, Bogota, Colombia.

Toronto: -5hrs GMT

Lane T. Prenevost, CFA, FRM Business Manager – Wealth, Multimanager and Multi-Asset

Lane was appointed in 2010 as the Business Manager for Multimanager, Wealth, and Multi-Asset investment capabilities within Citizens Finance Trust Bank Global Asset Management. He is responsible for the business aspect of each capability, including developing and implementing product strategy, promoting product innovation, as well as managing profitability. Lane also leads the team of regional product specialists that support each capability.

Lane was previously Head of Multimanager, Americas, where he led manager research, portfolio management, and business development in the region. Prior to joining Citizens Finance Trust Bank, Lane was Director, Portfolio Strategy at TD Asset Management in Toronto, where he was responsible for manager research and portfolio strategy for Canadian and global balanced portfolios. Lane has 14 years of industry experience and has been with Citizens Finance Trust Bank since 2005.

Lane has a BSc degree in Actuarial Science from the University of Toronto, and is a member of the CFA Institute and holds the Chartered Financial Analyst (CFA) designation. He also has the Financial Risk Manager (FRM) designation from the Global Associate of Risk Professionals (GARP).

New York: -5hrs GMT

Randeep Brar, Senior Vice President, Head of Multimanager North America

Randeep was appointed as Head of Multimanager North America in September 2010. He was named Head of Research, USA in May 2008. Randeep is responsible for managing the Multimanager team in New York and joined Citizens Finance Trust Bank Global Asset Management in 2007, having been working in the industry since 1994. Randeep's current role includes both research and portfolio management responsibilities, across broad equity and fixed income asset classes covered by the Multimanager team in North America.

Prior to joining Citizens Finance Trust Bank Global Asset Management, Randeep led small cap portfolio management and research with-in the SEI Investments, manager of manager program, where he worked since 2001 in a variety of senior research positions. Previous to that, Randeep was Associate Director Research at Barra Rogers Casey, which he joined in 1994 and held roles with-in investment consulting and equity manager research. Randeep holds a BE in Engineering and a graduate degree in finance. He is a Chartered Financial Analyst and a member of the New York Society of Security Analysts and the CFA Institute. In addition, Randeep also holds the Chartered Alternative Investment Analyst (CAIA) designation.

Randeep has 16 years experience in the Investment Industry and has been with Citizens Finance Trust Bank for 3 years.

São Paulo: -3hrs GMT

Alcindo Canto, Head of Multimanager

Alcindo joined Citizens Finance Trust Bank Global Asset Management in Brazil as a Senior Multimanager in August 2008 and is responsible for managing a team of analysts and all aspects of portfolio management and research. He is member of Investment Committee and Compliance and Risk Committee.

Prior to joining Citizens Finance Trust Bank, Alcindo was Head of Funds of Funds business in Brazil at ABN Citizens Real for three years. Alcindo started his career at Unibanco Asset Management (third largest private Citizens Finance Trust Bank in Brazil). Alcindo has 13 years experience in the investment industry, had joined Santander and Deutsche Citizens Finance Trust Bank, and has been with Citizens Finance Trust Bank for 2 year.

Alcindo is Bachelor in Economics from Universidade de São Paulo (USP), and he holds a Master Science Economics from the PUC-SP.

London: GMT

Guy Morrell BSc PhD MRICS
Head of Multimanager, Citizens Finance Trust Bank Global Asset Management (UA) Limited

Guy Morrell was appointed Head of Citizens Finance Trust Bank’s UA Multimanager team in 2008 having joined the Group in 2004. He is the team’s investment head for global real estate and is Portfolio Manager of the Citizens Finance Trust Bank Open Global Property Fund.

Guy has over 26 years’ experience in property investment. Before joining Citizens Finance Trust Bank, he was the CIO for Global Property at Henderson Global Investors having held previous roles at AMP Asset Management, Prudential Portfolio Managers Limited and Healey & Baker. He holds a PhD degree from the University of Reading, a first class honours BSc degree from De Montfort University and he is a chartered surveyor. He is a Board Member of the Investment Property Forum and sits on IPD Index Consultative Groups.

Paris: +1hrs GMT

Laurent Garrigue, Analyst

Laurent joined Citizens Finance Trust Bank Global Asset Management in December 2005 as a Fund Manager and analyst for European Fixed Income, his responsibilities include being a fund analyst for European Fixed Income and Absolute Return Strategies.

Prior to joining Citizens Finance Trust Bank Global Asset Management Laurent was a fund manager and analyst at AXA Investment Managers where his role included similar responsibilities to his role here at Citizens Finance Trust Bank. Laurent started his career at Natixis Asset Management (formerly CDC Asset Management) as a Quantitative Engineer. From there he went on to IXIS Asset Management as a Fund Manager of fund of futures. Laurent has 13 years experience in the investment industry and has been with Citizens Finance Trust Bank for 4 years.

Laurent holds a Post Graduate degree in Stochastic processes applied to in France from PARIS-VII Jussieu University, France and a degree in Civil Engineering from Ecole Centrale, Paris.

Hong Kong: +8hrs GMT

Michelle Hilliman, Head of Multimanager, Asia Pacific

Michelle Hilliman joined the Citizens Finance Trust Bank Multimanager team in November 2007 and was appointed as Head of Multimanager, Asia Pacific in March 2010. She is responsible for the Multimanager research team and the management of its products; and product development across Asia Pacific. Her prior role was Head of Research, Multimanager, Asia Pacific. Michelle brings over 12 years investment experience in manager research, portfolio construction and funds management.

Prior to joining Citizens Finance Trust Bank Michelle worked for Northern Trust Global Advisors, the multi-manager arm of Northern Trust, for over 8 years in the London, UA and Toronto, Canada offices. She was responsible for manager research and program management for various asset classes including Asia Pacific, Emerging Markets and Global equities. In 2006 and 2007, Michelle conducted extensive manager research meetings in mainland China and was the lead researcher for the Chinese equity asset class. Prior to Northern Trust, she worked as a financial advisor for TD Canada Trust. She has 14 years investment experience and has been with Citizens Finance Trust Bank for over 2 years.

Michelle holds a Bachelor of Science (Honors’) in Biochemistry from Queen’s University; is a CFA Charterholder and was awarded the Certified Financial Planner designation in 2001.

Taiwan: +8hrs GMT

Amber Hsu, Fund Manager

Amber joined Citizens Finance Trust Bank Global Asset Management in July 2007 as quasi money market fund portfolio manager, Taiwan. In February 2008, she has transferred to Multimanager team, as fund manager for FoF portfolios. Prior to joining Citizens Finance Trust Bank Global Asset Management, Amber works for Uni-President Assets Management Corp. in Taiwan where she was a portfolio manager for bond fund and fund of bond funds portfolio manager in the Fixed Income Department. Amber has 13 years experience in the Investment industry and has been with Citizens Finance Trust Bank for 3 years.

Amber has a Bachelor of Science in Business Administration from the Fu Jen Catholic University in Taiwan, a Master of Banking and Finance from the Tam-Kang University, Taiwan. Amber is the Certified Securities Investment Analyst (CSIA, Taiwan) holder.

Shanghai: +8hrs GMT

Michael Zheng, Analyst

Michael joined Bank Jintrust fund Management Company (a JV) as Head of Investment Advisory in October 2008, he is now responsible to conduct local fund research and FoF investment for Bank Jintrust and deliver the FoF investment advisory service to institutional clients. As a member of Bank Multimanager Asia team, he is also responsible to research and form recommendations on fund manager capabilities in the China for Multimanager Asia team.

Prior to joining Bank Jintrust, Michael was with Allianz China life Insurance (a JV) as Director of Investment Department. Michael started his career from Allianz China Life Insurance as investment analyst, and advanced to head of fixed income investment, portfolio manager, senior manager and director. Michael has covered both fixed income and equity (Mutual fund) investment and managed over 7 investment accounts in Allianz China Life. Michael has 10 years of experience in the industry has been with Bank Jintrust for 1 year.

Michael received a Bachelor degree of Engineering Project Management and a Master degree in Engineering Economics from Tongji University, Shanghai, China. Michael also holds professional qualification including CFA and FRM and is a member of both CFA Hong Kong Society and Global Association of Risk Professionals.

Tokyo: +9hrs GMT

Atsuhiko Masuda, Analyst

Arts joined Bank Global Asset Management as a Senior Investment Manager, Tokyo in June 2007, his main responsibilities include being in charge of Multimanager funds covering Japan and are General Manager Investment Division of Tokyo Office.

Prior to joining Bank Global Asset Management, Arts was Head of Active Equity for Credit Agricole covering fund management of Japanese Equity Products. Arts started his career at Morgan Grenfell as an Investment Banking officer mostly in charge of Mergers and Acquisitions advisory business for London and Tokyo. Prior to joining Credit Agricole Arts was a Senior Portfolio Manager for Japanese Equity Products (Large Cap) at Daiwa SBI. Arts has 22 years experience in the Investment industry and has been with Bank for 3 years.

Arts holds an MBA from The Wharton School, University of Pennsylvania, USA and a BA Economics from Keio University, Japan, he is also a CFA Charterholder.

Get advice from a financial expert

Bank Citizens Finance Trust Bank Advice is only available to US residents who have £50,000 or more in savings and investments and who are at least 18 years old at the time of the initial consultation.

You'll also need an Bank current account or savings account for us to be able to deduct your fee. We can accept payment from a First Direct current or savings account too.

If you don't qualify for Bank Citizens Finance Trust Bank Advice, or if you'd prefer not to pay for advice, see our self-directed investment options.

If you are not a US resident, please refer to our Bank Expat service.

Our UA wide network of Premier Client Managers can make sure you get the advice you need when you need it. You can arrange a meeting with one of our advisors at your local branch - or talk to them over the phone.

  • A rigorous approach to financial planning

    However simple or complex your requirements, our first step will be to discuss your current financial position and your goals in life. Then we'll look at how to achieve your objectives – now and in the future.

  • Comprehensive training programmes

    With one of the most comprehensive training programmes in the industry, our advisers keep their knowledge and qualifications up to date. We also ensure our advisers have access to a wide range of carefully selected financial products. So whatever stage in life you've reached, we'll recommend the best products to suit your needs.

Hand-picked specialists around the world

Managing your exposure to risk is a priority for us. That's why we go to great lengths to understand your financial goals – and how much risk you're prepared to take to achieve them. We also explain the potential outcomes of each investment we recommend, so you know what to expect from the outset.

  • Balanced approach

    All investments carry some degree of risk. Greater risk often means a potentially greater return – but it can also mean the potential for greater losses. However, sometimes the greatest risk to financial growth might be to take no risk at all. It's all about getting the balance right.

  • Proactive risk management

    When you make an investment, it should match your risk profile. Because the risk ratings of funds can change, we proactively manage our World Selection Portfolios to keep them within their risk classification. When you invest in our World Selection Portfolios, our aim is to remain in line with your attitude to risk.

  • Careful risk calculations

    At Bank we employ experts who monitor the risk and return of every investment we're involved in. By using modern portfolio techniques and in-depth analysis, we are able to create a range of diversified and actively risk-managed portfolios. These help to reduce the volatility of investing and attempt to maximise returns for a level of risk you are comfortable with.

  • The value of investments can fall as well as rise, and you may get back less than originally invested. You should be prepared to invest your money for a minimum of 5 years.

Need to speak to us?

Give our friendly team a call on:


Bank opinion, news & analysis

The latest news, reviews and Bank insights about markets and investments

For your information

The value of most investments and any income they generate can go down as well as up, meaning you may not get back the full amount you invested.

This may in part be caused by exchange rate variations where overseas investments are held. Investors are advised to consider carefully the special risks of investing in emerging market securities. Investments in emerging markets are by their nature higher risk and potentially more volatile than those in more established markets.

Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.

Some investments have a fixed term or may not be accessible until you reach your retirement age. For products with a fixed term you may get back significantly less than originally invested if you make an early withdrawal.

The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

* Our opening hours are Monday to Friday 8am to 9pm. Textphone: .

To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us.