Banque privée rbc rbc sherbrooke est TORONTO, le 5 nov. 2015 /CNW/ - RBC a été reconnue meilleure banque privée au Canada pour une quatrième année consécutive lors de la remise des prix Global Private Banking Awards 2015. BMO Banque privée est heureuse d’annoncer le lancement de ses deux sites en chinois. Établissez votre préférence de langue et voyez comment nous pouvons vous prodiguer des conseils personnalisés en gestion de patrimoine.

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Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc., RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), RBC Global Asset Management Inc., Royal Trust Company or The Royal Trust Corporation of Canada. Bob Spangler is a Managing Director and Co-Head of the Municipal Finance Department at RBC Capital Markets. in Economics and Policy and Management from Dickinson College. Freund is a Managing Director for RBC Capital Markets, LLC, the Manager of the firm’s Arizona municipal banking operations and a member of the firm's Municipal Banking Management Committee. Freund is among the most experienced investment bankers working in the municipal finance arena and has extensive experience across a broad range of municipal financing structures. In this role, he jointly oversees with Jim Tricolli, one of the largest municipal finance platforms in the country with operations based in New York that includes Municipal Banking, a top 5 nationally ranked underwriter of municipal bonds, and the Tax Credit Equity Group, the top ranked syndicator of US federal tax credits. He has worked with virtually all types of issuers and political subdivisions over a career in the municipal bond industry that spans more than 25 years. Overall, RBC’s Municipal Finance group employs 265 professionals located in 26 offices in 16 states. Spangler is a member of the US Regional Operating Committee and a member of the US Diversity Leadership Council. Spangler received an AB in History from Stanford University and a Masters in Management from the J. Kellogg Graduate School of Management at Northwestern University. Spangler holds the Series 7, 24, 50, 53 and 63 and 79 licenses. Tricolli has over 27 years of experience in municipal finance and joined RBC Capital Markets in 2001. Tricolli was the head of public finance at Tucker Anthony Sutro Capital Markets. Tricolli is a registered securities representative, currently holding Series 7, 24, 52, 53 and 79 securities licenses. During that time, he has led financings for state agencies, counties, cities, public universities, community colleges, nonprofit hospitals and a number of special financing authorities. Jim Tricolli is Managing Director and Co-Head of the Municipal Finance Group at RBC Capital Markets. Tricolli oversees one of the largest municipal finance groups in the country, with operations based in New York and bankers in 26 cities across the U. Among the municipal entities he works extensively with in Arizona are the Governor's Office and many of the large State agencies, including the Arizona Department of Transportation, as well as all three of Arizona's public universities. Over the many years he has been in the business, Mr. Freund has developed and successfully completed many public/private partnership financings for facilities such as the University of Phoenix Football Stadium, several Cactus League baseball facilities, various mixed used developments and many other local development projects. Freund served in a senior staff role for seven years with the Arizona State Senate, including as the Senior Financial Advisor to the Senate where he was responsible for drafting and analyzing legislation concerning statewide tax and expenditure policy. He has developed and drafted many Arizona statutory provisions, and is regularly called upon by the Governor’s Office and the Legislative leadership and staff to provide input and advice on legislation and public policy issues. Freund is registered with the Financial Industry Regulatory Authority, Inc. and maintains Series 7, 24, 52, 53, 63 and 79 securities licenses. He holds a Bachelors degree in economics from Arizona State University. Tony Alfieri has worked extensively in the banking industry for over 30 years, primarily specializing in real estate finance and the creation of affordable housing. Tony joined RBC in 2006 and continued to accept greater leadership responsibility including key roles on the Community Investments’ Operating Committee and the Investment Committee. As Co-Head RBC Community Investments, he has shared responsibility for the Tax Credit Syndication, the Direct Investing, and Workforce Housing platforms including the management of nearly 100 professionals. Tony has held positions as Chief Operating Officer and Managing Director for Asset Management, and Chief Credit Officer for RBC’s affordable housing platform. Alfieri was a Director in Wachovia Bank's Tax Credit Investment Group, where he served in various capacities including Director of Risk Management and had approval authority for equity investments and debt in a multi-billion dollar portfolio. In his 10-year career at Wachovia, he was also a Senior Credit Officer in the Asset Securitization Department and Real Estate Credit Officer. Alfieri has been a member of the Affordable Housing Tax Credit Coalition (AHTCC) since 2013, and served as President from 2016 through February 2018. The AHTCC is a broad-based industry coalition whose mission is to protect and expand the low-income housing tax credit. He is a graduate of Nazareth College in Rochester, NY, with a BS degree in Business Administration and an Economics concentration. Michael Baumrin is a Managing Director in the New York office and is Co-Head of the Housing Group. He is responsible for the Firm’s overall activities in providing state housing finance agencies with investment banking services, and has served as lead banker for numerous state HFAs around the country. He is a Municipal Bond Principal and has his Series 7, 50, 53 and 63 registrations. Boles is a Managing Director in the Dallas Municipal Finance office of RBCCM. During his tenure at RBCCM, the firm’s senior managed client base has grown from one state HFA to 25 and has achieved a number one ranking. He is a Regional Manager, overseeing the operations of our Dallas, Houston, San Antonio, and Denver Municipal Finance offices. In addition, during his tenure, RBCCM has provided in excess of $1.4 billion of credit to the state HFA client base. Baumrin served as Manager of UBS’s Housing Group, which was the number one underwriter of mortgage revenue bonds, senior managing in excess of $33 billion. He is also a member of the Firm’s Operating Committee. Boles has been with RBCCM since 1991 and has been involved in financings during that period for a variety of issuers. Boles has served as an investment banker or financial advisor to virtually every type of tax-exempt issuer, including school districts, counties, cities, public and private universities, community colleges, state agencies, healthcare providers and special districts. Boles’ experience has included all aspects of refunding and new money transactions in both long and short term modes, including virtually all types of security structures, as well as certain derivative instruments. Michael began his career in public finance in 1980 and has worked primarily with state housing finance agencies since 1982. As a manager, he is responsible for the formation and implementation of strategic initiatives for the firm’s Municipal Finance Group in Texas and Colorado. Boles is a Certified Public Accountant and a registered securities representative, currently holding Series 7, 24, 50, 53, and 63 licenses. During his 37 year industry tenure, Michael has worked with state housing finance agencies across the country, providing affordable housing finance for their constituents, implementing many varied programs and bond structures. He previously served as a member of the Board of Trustees of the Municipal Advisory Council of Texas (2011-2015) and as Chairman of the Board (2013-14). Boles holds a BBA from the University of Texas at Austin and a MBA from Southern Methodist University. Cashell is a Managing Director in the Cincinnati, Ohio Municipal Finance office of RBC Capital Markets and manages Public Finance for Ohio. Cashell joined RBC Capital Markets in 2002 after serving as Chief Operating Officer/Chief Information Officer for Cincinnati Public Schools. Cashell oversaw all non-instructional areas for the district. Cashell served for nine years in finance, policy and administrative positions in Delaware state government. from the University of Southern California and a B. in Political Science from the University of Michigan. Prior to investment banking he worked for the Comptroller of the City of New York. His last position there was Associate Secretary of Education for Finance, Policy and Administrative Services. Cashell acted as the Chief Financial Officer for the State Department of Education. Cashell specializes in education and local government transactions including tax increment financing (TIF). Cashell also administers several large structured pooled financing programs in the State of Ohio. Cashell currently holds Series 7, Series 63, Series 53, Series 24 and Series 50 licenses. Cashell holds Bachelor of Science and Master of Science degrees in Economics from the University of Delaware, specializing in mathematical economics and econometrics. Helen Hough Feinberg has been employed by RBC Capital Markets for approximately 30 years. Greg Dawley is a Managing Director in the Los Angeles office & California Regional Municipal Manager for RBC Capital Markets. Dawley has served over 23 years in the municipal finance and governmental industries. She presently serves as the co-head of the firm’s Housing Finance Group with management responsibilities focused on the multifamily sector and State of Florida. Feinberg has approximately 25 years’ experience in the housing sector having served as underwriter or placement agent on a wide range of single family and multifamily transactions. He focuses on a wide range of issuers throughout the Western Region, including those in the general government, utilities, public power, transportation, higher education and K-14 sectors. Dawley served as Assistant Chief of Staff to Los Angeles Mayor Richard Riordan. He is active in his community, serving on the Advisory Board of the Taubman Center at Harvard University’s JFK School of Government. Her affordable housing client base includes state and local housing finance agencies, public housing authorities, developer and non-profits. Feinberg graduated from Wake Forest University where she received a Bachelor of Arts degree with majors in both Economics and Spanish and she completed graduate work in Finance at the University of South Florida. Hoeppner spent 4 years in Citigroup’s public finance group and spent 5 years prior to that at a regional underwriting firm. Previous firms include Morgan Stanley, Merrill Lynch, Banc One Capital Markets and J. She is a licensed General Securities Representative, Municipal Securities Principal and General Securities Principal. Feinberg currently serves as an advisory council member for the Florida Housing Coalition and a board member of the Coalition of Affordable Housing Providers. Feinberg was appointed by Governor Jeb Bush in 2003 to serve as Chair of the Affordable Housing Study Commission for a four year term and previously served as a member of Fannie Mae’s National Advisory Council for a two year term. He has served as the investment banker to a large variety of tax-exempt issuers, including state and municipal entities, authorities and 501(c)(3) charitable organizations. Flaherty has worked on over $8 Billion in tax-exempt issuances and has extensive experience with both general obligation and revenue based transactions. Flaherty was a partner in a regional law firm where his practice was concentrated in financing transactions and bond law. Flaherty served as bond counsel, underwriter’s counsel, and counsel to lenders in a wide range of transactions involving municipal entities. In addition, he has his Series 7 and Series 63 Securities registrations. Stephen Flaherty is a Director in the Lancaster, Pennsylvania Municipal Finance office of RBC Capital Markets and manages Public Finance for Pennsylvania, New Jersey and Maryland. Prior to attending law school he was a corporate tax accountant for a major securities firm and the controller of a manufacturing firm with an international marketplace. Flaherty is a registered securities representative, currently holding Series 7, Series 24, Series 50, Series 53 and Series 63 licenses. Flaherty holds a Bachelor of Business Arts in Accounting and Economics from the University of Notre Dame and received a Juris Doctorate from The Dickinson School of Law of the Pennsylvania State University. Hoeppner is a Managing Director in RBC CM’s Midwest/Large Client/Housing Groups and is Manager of the Minneapolis public finance office. Hoeppner has 19 years of banking experience, which includes work at a national financial advisory firm that specialized in providing quantitative cash flow analyses, pricing, and program development services for issuers of municipal housing bonds. Hoeppner has served as banker on senior managed issues for various State Agencies in Colorado, Florida, Illinois, Iowa, Minnesota, New York State, North Dakota, Ohio, Tennessee, Texas, Vermont, and Wisconsin. Hoeppner received a Bachelor of Science in Finance from the University of St. Andrew Mendelson is a Director in the Municipal Finance Group at RBC Capital Markets and is Co-Head of Municipal Transportation Finance. He specializes in project finance with expertise and experience including: Andrew focuses on complex debt strategies and financial structuring / engineering for transportation infrastructure projects nationwide. in Economics (Suma Cum Laude/Phi Beta Kappa) and a B. in Systems Science and Engineering (Magna Cum Laude/Tau Beta Pi), both from Washington University in St. He has led the development and structuring of multiple new indentures for large bonding programs and worked through rating agency and investor education processes for the related new credits. Louis, as well as a MBA with specializations in Finance and Management (Stern Scholar/Beta Gamma Sigma) from New York University Stern School of Business. Jon serves as Manager of RBC’s Denver Public Finance office, Colorado’s leading underwriter of tax-exempt and taxable municipal securities. He is charged with further expanding the firm’s presence in Colorado and throughout the Western Region. Jon has more than 15 years of experience serving state and local government clients on more than $20 billion in securities and financial products in ten different states. He frequently serves Colorado’s largest governmental entities: the State of Colorado, the University of Colorado, Colorado State University, the Colorado Department of Transportation, and the Denver Regional Transportation District. A list of transactions Jon has led for longstanding Colorado clients includes: In addition to the transactions listed above, Jon brings innovative financial solutions to a wide variety of government entities. Examples include Denver Urban Renewal Authority, the Colorado Department of Corrections, the Capitol Parking Authority, the Colorado School of Mines, Metropolitan State University of Denver, cities such as Aurora and Fort Collins, counties including Adams, Broomfield, Jefferson and Routt; and numerous special districts, improvement districts and urban renewal authorities. A fourth generation native of Colorado, Jon holds a Bachelor of Science degree in Business Administration with a concentration in Finance from Colorado State University and a Juris Doctor degree from the University of Colorado School of Law. Christine Pihl has over 30 years of experience in public finance specializing in public power and utility sector clients and Northwest issuers. Puig is a Managing Director in the New York City and Albany Municipal Finance offices of RBC Capital Markets. Her experience includes leading financings for a wide range of utilities including the Los Angeles Department of Water & Power, securitization financings for the Utility Debt Securitization Authority for the Long Island Power Authority, serving as lead banker for SCPPA for Windy Point, the largest electric power prepay transaction and one of the largest wind farms in the nation, the Intermountain Power Agency, Cal ISO, the Salt River Project, Anaheim Public Utilities, Her northwest coverage includes a wide range of public utility districts including Benton County PUD, Franklin County PUD, Grant County PUD, Douglas County PUD, King County Sewer, Tacoma Power and the Eugene Water & Electric Board. He serves as the Co-Head of the New York Group and is a member of RBC’s large issuer practice team and the firm’s Municipal Markets Transaction Review Approval Committee. Puig joined RBC Capital Markets in 2006, after twenty-two years at First Albany Capital. In addition to her utility clients, she also has led transitions in the Northwest for issuers including the Port of Seattle, the State of Washington and the City of Tacoma. Some of her prior affiliations include the financial advisory firm, Capital Advisors, Seattle-Northwest Securities and JPMorgan. During his 30 year career in municipal finance, Mr. She began her career in public finance as an analyst for Lehman Brothers in New York. in Economics from the Wharton School of the University of Pennsylvania and a M. Puig has served as lead relationship banker for many of the largest and most sophisticated municipal issuers in the tax-exempt market, including the Dormitory Authority of the State of New York, the New York State Thruway Authority, the Empire State Development Corporation, the Metropolitan Transportation Authority, New York City, the Commonwealth of Massachusetts and the State of Connecticut. Christine holds the following licenses: Series 7, 24, 52, 53, 63 and 79. He has also been integrally involved since inception with the development and capital plan implementation for one of the largest public private partnerships in the US, the State University of New York College of Nanoscale Science and Engineering’s (“CNSE”) research facilities in Albany and Marcy. Through 2013, New York State and over 100 private companies including IBM, Intel, Tokyo Electron, Taiwan Semiconductor, Samsung and Global Foundries have invested over $5 billion in facilities and programs at CNSE. Puig is a registered securities representative holding Series 7, 24, 53 and 63 licenses. A graduate of Siena College and the Albany Law School of Union University, Mr. Puig has served as President of the Albany Boys and Girls Club , Treasurer of WMHT Public Television and Radio and Treasurer of the Albany Ronald Mc Donald House. He also serves or has served as a board member of the Interfaith Partnership for the Homeless, the Albany Institute of History and Art, The Center for Disability Services, Living Resources Foundation, the New York State Thoroughbred Capital Investment Fund and the Albany County Investment Advisory Board. Shultis joined RBC Capital Markets in 2013 and is Manager of the Client Solutions Group in Municipal Finance. In this regard he oversees a team that designs, markets and executes balance sheet based solutions for the municipal client base. for 22 years where he was Managing Director and Head of Municipal Structured Products. Shultis graduated magna cum laude from the University at Albany (Albany, NY) with a BS in Business Administration. Shultis is registered with FINRA with the Series 7, 24, 53 and 63 licenses. Snider joined RBCCM in 1989 and since that time has been involved with over $10 billion in municipal bond financings for a variety of cities, counties, special districts, charter schools, school districts, universities and state agencies. Snider has a wide variety of experience, his primary area of expertise has been financing for K-12 education borrowers, including charter schools. Snider heads RBC Capital Markets’ Charter School Finance Group. These solutions include traditional banking products such as letters/lines of credit as well as direct purchase products including floating rate notes and drawdown bonds. Shultis is a member of both the Municipal Finance and the Municipal Markets Operating Committees, as well as a member of the ALCO of RBC’s US Intermediate Holding Company. Since 2000, RBC Capital Markets has financed in excess of 100 charter school projects for over 50 charter school organizations, securing over $1.5 billion for acquisition, construction, renovation, leasehold improvements, refinancing and related costs for charter schools. RBC Capital Markets’ Charter School Finance Group has financed charter schools in multiple states, including Arizona, California, Florida, Illinois, Indiana, Massachusetts, New Jersey, North Carolina, Ohio and Texas. Snider has served as RBC's lead banker for Aspire Public Schools, BASIS Schools and Great Hearts Academies, among others. Outside of the K-12 education area, high profile bond financings lead and completed by Mr. Snider include $350 million of research facilities for the University of Arizona and $450 million for the Arizona Sports and Tourism Authority’s share of the home stadium of the NFL Arizona Cardinals and MLB spring training facilities. Snider received his Bachelor’s of Science degree in finance from Arizona State University, graduating summa cum laude, and his Masters in Business Administration from the University of Chicago. Snider’s community involvement includes sitting on several boards, including serving on the executive committees and as Board Chair of the Phoenix Boys Choir Association and Arizona School for the Arts, an excelling Arizona charter school, as well as being a member the board and advisory committee of the Arizona Charter School Association. Frank Vega, a Managing Director in the RBC Capital Markets Los Angeles public finance office, leads the firm’s California K-14 Education Group and currently serves as sector head for RBCCM’s National K-12 School District practice. Born and raised in Los Angeles, Frank has spent his entire public finance career working exclusively with California schools and colleges. Since joining RBC Capital Markets Frank has helped lead and senior manage more than 100 transactions for California school and community college districts. Frank specializes in structuring General Obligation Bonds, Certificates of Participation and Tax and Revenue Anticipation Notes. Recent examples of Frank’s lead manager and structuring experience include a $129 million G. Bond and Note restructuring for South San Francisco Unified School District, and a $5 million technology bond financing to help deliver one-to-one learning devices for Coachella Valley Unified School District. Prior to joining RBC Capital Markets, Frank served as a legislative aide and committee consultant in the California State Legislature, and as Executive Director of California Educational Facilities Authority under State Treasurer Phil Angelides. Frank is married to Michelle Ann Vega, and has two children, Madeline and Teddy. Frank received a Bachelor of Arts degree in Political Science from the University of California-Davis, and a Masters in Business Administration from the University of Southern California. Davis, Frank was a member of the Track & Field teams for both schools, and was part of two Northern California Athletic Conference championships in 19 for U. Frank currently holds FINRA Series 7, 53 and 63 securities licenses. Frank is a proud product of the California Community College system, having attended Glendale Community College. Craig Wagner joined RBC in 2002 and has continued to assume greater leadership responsibility, including key roles on the TCEG Operating Committee and chairmanship of the Investment Committee. He currently serves as Managing Director – Tax Credit Investments for TCEG, responsible for the oversight of the Syndications staff, as well as State Tax Credit and New Markets Tax Credit business. Prior to this role, Craig was Director of Business Development with responsibility for new products business development and managed the firm’s national accounts. Previously, he was also the Director of Originations and a Regional Director – Southeast where he led a team in the areas of origination, financial underwriting, and partnership structuring of investments. Craig’s experience includes the acquisition and underwriting of LIHTC, HTC, and various state tax credit investments. He has worked with numerous housing authorities, for-profit developers, and non-profit developers on various property types including HOPE VI, mixed-income, and mix-use transactions. Wagner served in various leadership roles as an officer in the United States Navy and as a production manager for Frito Lay, Inc. Craig, a graduate of Northwestern University with a Bachelor of Arts in Economics, earned his Masters in Business Administration with concentrations in Real Estate and Finance from the Kenan-Flagler Business School, University of North Carolina-Chapel Hill. Wagner is a Managing Director in the Municipal Finance Group of RBC Capital Markets, LLC and divides his time between the firm’s offices in Phoenix and Los Angeles. He has primary coverage responsibility for the firm’s student loan clients, as well as for several colleges and universities in California. Wagner began his investment banking career in New York in 1986 when he joined the public finance department of Manufacturers Hanover Securities Corporation as a quantitative analyst. After spending six years at “Manny Hanny”, he joined Paine Webber in 1992 as one of four founding members of its New York-based education loan finance team. He spent four years at Paine Webber before departing in 1996 for an opportunity to launch a national education loan finance practice for one of RBC Capital Markets’ predecessor firms. By 2007 he had grown this effort from a two-person team in Phoenix to 13 professionals in three different offices. The firm’s education loan finance practice remains one of the most productive and well-respected practices of its kind, and consistently ranks as the most active lead managers. He has completed over $48 billion in financings on behalf of 35 separate organizations since 1986, including state agencies, nonprofit organizations and private colleges and universities, and is responsible for introducing numerous new financing products, debt structuring techniques and computer modeling innovations. His current clients include the Utah State Board of Regents, Minnesota Office of Higher Education, Pennsylvania Higher Education Assistance Agency, Midwestern University, New Hampshire Higher Education Loan Corporation, Alaska Student Loan Corporation and North Star Education Finance. Mark Maroney is the Head of the RBC Capital Markets Fixed Income Municipals Products business line. An active participant in higher education finance industry trade groups, such as the Education Finance Council (EFC), the National Association of College and University Business Officers (NACUBO) and the Western Association of College and University Business Officers (WACUBO), Mr. and has been involved in developing new bond approaches such as Green Bonds, as well as securing ratings upgrades, developing bond issuance strategies to meet capital improvements needs and providing the insight needed to address market constraints. He is a member of the Capital Markets US Regional Operating Committee and a member of the Global Fixed Income Operating Committee. Maroney started his career in the Municipal Securities Group at UBS, formerly Paine Webber where he ultimately was responsible for the Municipal Derivatives and Lending Group. Wagner is a well-known municipal finance industry veteran. in Finance from Columbia University’s Graduate School of Business. He is active in the environmental finance community and speaks on occasion at the Council of Infrastructure Finance Water Authority conferences. Williams received a BA from Dartmouth College, an M. in Urban Planning from the University of Virginia, and an M. He joined RBC Capital Markets in May of 2007 to oversee the Municipal Products Group. Durando is a Managing Director and Head of Municipal Syndication for RBC Capital Markets. He is often called upon to speak at industry conferences, issuer and investor seminars, client board meetings and other industry-related events. Wagner is a registered securities representative, currently holding Series 7 and Series 63 licenses, and holds a B. in Business Administration from the State University of New York at Albany, with concentrations in Finance and Management Information Systems, and an M. Tim Williams heads RBCCM’s Public Power and Water Utilities Group where he focuses on SRF and water & sewer issuers nationwide. Williams has over 18 years of public finance experience, senior managed, structured, and run cash flows for many SRF and water and sewer credits. In 2009, he took over responsibility for the Municipal Capital Markets platform overseeing sales, trading, underwriting, derivatives and structured product activities. Maroney is an active member of the SIFMA Municipal Executive Committee and various sub-committees focusing on secondary market infrastructure and structured products. Maroney received his Bachelors of Science from the University at Albany, Albany, New York with dual concentrations in Finance and Management Information Systems. His primary responsibilities include RBC Capital Market’s underwriting engagements for major transactions nationally. Durando has over 32 years experience in Municipal underwriting and trading, having directed senior managed transactions in excess of $65 billion in Municipal debt during his career. Durando spent his career at Wachovia Bank and its predecessor organizations where he was a Managing Director and Manager of Municipal Trading and Underwriting. Durando graduated from the University of Delaware in 1980 with a BS-Finance degree and Seton Hall University in 1984 with a MBA-Finance. Durando is currently registered with the Financial Industry Regulatory Authority, Inc. Major SRF clients include new indenture SRF credits (Virginia, Illinois, and Oklahoma); restructured SRF credits (Iowa, Kansas); Reserve Fund SRF credits (New York, Michigan, Connecticut, Colorado, Massachusetts, Missouri, and Rhode Island), and Cash Flow and Hybrid SRF credits (Ohio, Florida, Arizona, North Dakota, Maine, Virginia, and South Dakota). While at University, he participated in various independent studies of the US public finance markets. ("FINRA") with Series 7, 63 & 53 securities licenses. Major senior managed water and sewer clients include City of Columbus, City of Atlanta, Denver, Massachusetts Water Resources Water Authority, DC Water, Hampton Roads, VA, Phoenix, St. Prior to joining RBC in September of 2008, Karl was an Executive VP at UBS and Senior Institutional Salesperson at UBS and Goldman Sachs. Karl has primary coverage responsibility for some of the firm’s key institutional account relationships on the municipal side. In addition to maintaining his position as an institutional salesperson, he assumed the responsibilities of Manager, Institutional Sales at RBC Capital Markets in May, 2010. Karl holds a Finance degree from the University of California at Berkeley. He also holds the following certifications: Series 7, 24,53 and 63 Keith focuses on the strategic growth, risk management, new product development (including electronic trading initiatives), and day-to-day management for the Trading, Sales, and Syndication business for the Municipals and Securitized Products areas. He is also part of a team that manages a multi-billion dollar municipal buy-and-hold investment portfolio for the Bank. In addition, he interfaces with the broader RBC platform and participates in Fixed Income & Currency-wide initiatives. Keith is a member of the Municipal Capital Markets Operating Committee. Previous roles at RBC include Managing Director in Global Rates Strategy and Management developing, implementing, and driving global strategies related to the cash and derivatives businesses, Derivatives Analyst on the Institutional Municipal Trading desk concentrating on quantitative hedging and trading strategies and building proprietary risk and analytical tools, and Senior Strategist in Fixed Income Trading Research focusing on multi-sector transaction strategies and portfolio/balance sheet analysis for institutional customers. Prior to RBC Capital Markets, Keith worked in equity research at Susquehanna Financial Group, fixed income research at Morgan Keegan, and asset management at Goldman Sachs. Keith holds a Bachelor of Science with a double major in Economics and Computer Science from Yale University and an MBA with a double major in Finance and Accounting from the Wharton School of the University of Pennsylvania. He is a CFA Charterholder and holds the Financial Risk Manager (FRM) designation as well Series 7, 24, 53, and 63 licenses. Colaiacovo’s current position is Retail Trading Manager/Syndicated Risk. He started in the financial industry shortly after graduating from Radford University in May of 1991. Daren has held positions as an Institutional Salesperson, Junior Trader, Retail Trader, Senior Retail Trader, Senior Institutional Trader, Senior Underwriter and currently Head of Retail Trading/Syndicate Risk. Daren started at RBC in 1993 as a Junior Trader and then expanded his role to Retail Trader on the Fixed Income Trading desk of First Institutional Securities which was acquired by RBC in 2003. After the acquisition, his role expanded to Senior Retail Trader on the Regional Municipal Trading desk in West Paterson, NJ. He eventually moved to the NYC trading floor as a Senior Institutional Trader and then took on the role of Senior Underwriter. Daren is currently the Head of Municipal Retail Trading and Syndicate Risk. Colaiacovo is responsible for managing Retail Trading of municipal bonds at RBCCM. Retail Trading’s primary focus is the merchandising of municipal bonds to meet RBC’s Wealth Management’s effort to provide various product demands of the retail distribution network. Additionally, Daren manages syndicate risk by monitoring and marketing the balances of capital commitments from various syndicate municipal bond deals. Colaiacovo holds Bachelors of Business Administration with a concentration in Finance from Radford University in Radford, VA and Series 7, 53, 56 and 63 licenses. Huesman’s current position is Municipal Investment/TOB Portfolio Manager. Prior to joining RBC, Joe was at Deutsche Bank where he traded Municipal Bonds, Municipal Derivatives and Illiquid Credit. Throughout his years at RBC he has held positions as a municipal bond trader, underwriter, salesperson, and tender option bond portfolio manager. Huesman is responsible for managing the Bank’s municipal bond portfolio, its municipal direct purchase lending portfolio and the firms 3rd party tender option bond portfolio which provides financing to RBCCM’s top tier municipal bond customers. Huesman holds a BA in Economics from the University of Richmond and an MBA from Loyola College in Maryland and Series 7, 24, 52, 53, 55, 63 and 79 licenses. Losty manages the RBC Capital Markets Municipal Products Group with focus on marketing to tax-exempt issuers in all sectors. Joe began his 25 year career in Municipal Finance at Alex. He has been instrumental in developing new and innovative use of derivative structures that have received wide acceptance in the tax-exempt market. Over his 33 years in the industry, he has focused on creative financing structures in both the cash and derivative markets that have resulted in several billion dollars of financing transactions. Losty has also worked extensively with many state and local authorities. Prior to rejoining RBC in 2011, Pat was a Director and Municipal high yield/special revenue trader at Jefferies. These include: North Texas Transportation Authority, Denver Public Schools, Texas Department of Transportation, Philadelphia Authority for Industrial Development (PAID), Montgomery County Health and Higher Education Authority and the Hospital & Higher Education Facilities Authority of Philadelphia, the Pennsylvania Turnpike Commission, the Commonwealth of Puerto Rico as well as many others. Losty served as Manager of Wheat First Butcher Singer Public Finance department for over 10 years. Losty is a graduate of Villanova University with a B. He managed the Municipal Middle Markets sales and trading at First Albany/Depfa Bank. Pat started his municipal career at Tucker Anthony in 1990 and traded retail, municipal Middle Markets and Institutional books during his time there. Tucker Anthony was bought by RBC and Pat traded Institutional and Middle Markets books here until 2003. He also holds the following certifications: Series 7, 53 and 63. Aside from his managerial responsibilities, Pat is responsible for institutionally trading high yield/ California, zeros and muni derivatives for the bank. Craig Laraia is the Head of RBC Capital Markets’ Municipal Short-Term Department. Laraia is responsible for the trading, underwriting, and remarketing of a complete range of short term debt instruments. Laraia managed the Short-Term Department for Alex Brown & Sons, where he was a Principal. Laraia has been responsible for the underwriting and remarketing of over 1700 short-term issues, representing in excess of $70 billion in aggregate principal amount. Laraia received a Bachelor of Arts degree from Adelphi University. Laraia also holds Series 7, Series 53, Series 24, and Series 63 Securities Licenses. Rbc placement rbc prices A high quality, affordable college education should be within the reach of every student. Our goal is 100% student success, and that begins with offering the first two years of your undergraduate education at a reasonable cost that can be paid without going into debt. Red Bank Catholic is a vibrant, beloved, Catholic co-educational institution with a storied history, an extraordinary spirit and a record of achievement in the classroom and beyond. We’re taking added precautions to keep our clients and employees safe during the COVID-19 outbreak. 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This pricing only applies to trades placed through an available Automated Service (as such term is defined in RBC Direct Investing's Operation of Account Agreement), including the online investing site and mobile application. Visit Pricing or call There is no quarterly maintenance fee charged if your combined assets are $15,000 or more across all of your RBC Direct Investing accounts. If your combined assets are less than $15,000 across all of your RBC Direct Investing accounts, you will be charged one maintenance fee of $25 per quarter (split across all of your accounts). However, you have a number of additional ways to have this fee waived. For full details please refer to the complete Commissions and Fees Schedule Mutual Fund companies may assess additional fees – for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and charges for insufficient funds on pre-authorized purchases. Management fees and operating expenses are paid by the mutual fund. There may be trailing commissions associated with these mutual fund investments. Real-time streaming quotes are available on stocks and ETFs for all clients. Real-time streaming quotes are also available on options and over-the-counter (OTC) securities for Royal Circle and Active Trader clients, upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online site.


Our internships allow you to apply your skills from the classroom to real-life work. You’ll engage in tangible projects with meaningful impact to gain the real-world experience you’ll need to kick-start your career. Amplify is an intensive summer innovation program that lets you put your skills to the test while building a product that could disrupt our company and beyond. As an Amplifier, you’ll work in a team of four and get assigned a bold business challenge, developing a solution and pitching it continuously throughout the summer. Help increase your chance of landing a job with Prepped, a free digital and personalized program that provides guidance and training to effectively tackle your job search. Accelerate your career by gaining on-the-job experience and access to training, leadership opportunities and a diverse and collaborative work environment. You'll work on real projects that provide hands-on experiences, deep insights into our business operations, and valuable contacts. RBC Capital Markets co-op placements and summer opportunities are an excellent learning opportunity for you to enhance your skills in a professional business environment, while building a strong network of peers and industry leaders. Challenge the way you think and gain the skills, mentorship and knowledge you need to make an impact. Turn your education and insights into a meaningful work experience with RBC Capital Markets. View Opportunities Our Summer Analyst and Associate Programs are designed to give you a sense of what you would be doing, day-to-day and give you a unique insight into how the firm operates - working closely as a team on live projects. These placements should be considered as extended evaluations, as students who collaborate to win as one team are considered for full-time employment. Build your skills and gain valuable experience during your summer break with RBC Capital Markets. View Opportunities We offer a variety of training programs for recent graduates, designed to help you learn about our businesses and develop important relationships and career-enhancing skills. Regardless of which area of business you join, you will have your own responsibilities - working directly with internal and external clients side-by-side with our experts. Kickstart your first career experience with RBC Capital Markets. View Opportunities We believe in fostering a diverse workplace and promoting inclusion to fuel innovation and economic prosperity. This is why we offer various scholarship programs, with an offer of paid employment to students in Canada and the US that meet specific criteria. Learn More “I learned how to push my limits and take advantage of every learning opportunity. The collaborative and engaging culture at RBC made it such that I worked directly with both the juniors and the seniors in the firm, learning from their immense experience and knowledge.” “I had the opportunity to explore many different products within Global Markets and engage with individuals across the firm via initiatives like RWomen and RFuture. Through volunteer events, speaker series, and social outings, the program also allowed me to make lasting friendships with other summer analysts.” “The work environment really fostered holistic thinking and taking risks outside of my comfort zone, which was critical for success. In addition, RBC is great in its culture, market position, and global presence.” 1. Online Application Submit your CV and application online. Include your unique skills and experiences, such as being multilingual, living or traveling abroad, and relevant club or extracurricular activities.2. First-Round Interviews If you’re selected for a first-round interview, we’ll arrange a 30-minute meeting by phone or in-person. These meetings help us assess your technical abilities, interpersonal skills, long-term potential and cultural fit.3. Final-Round Interviews In certain cases you may be invited back to our offices for a final round of two to three interviews with professionals who work in the business of your interest. We’ll also tell you more about us, so you can assess if RBC is the right fit.1. Online Application Begin by submitting your CV and application online, comprising your motivation for joining RBC and the specific role you’re applying for. Include your unique skills and experiences, such as being multilingual, living or traveling abroad, and relevant club or extracurricular activities.2. First-Round Interviews If you’re selected for a first-round interview, we’ll set up a time for a phone meeting or an in-person meeting. These competency-based reviews assess technical abilities, interpersonal skills, long-term potential, and culture fit.3. Final-Round Interviews If you are successful at the first round interview stage you will then be invited back to our offices for an assessment centre which will involve two or three interviews and a presentation. We’ll also tell you more about us, so you can assess if RBC is the right fit for you. Rbc placement mastercard banque royale At RBC, we provide you with the tools, support, and flexibility to transform from a student into a future leader. Turn exciting possibilities into a reality for our clients, our communities and you. It is recommended that students complete at least 3 hours of review prior to taking the Official Placement Test on the RBC Campus. During testing, students will be provided a 4-function calculator for the Placement Test. Student completing at least 12 of the first 16 questions correctly will place you in MATH121; students completing at least 12. A high quality, affordable college education should be within the reach of every student. Our goal is 100% student success, and that begins with offering the first two years of your undergraduate education at a reasonable cost that can be paid without going into debt. Depuis les paiements de factures et les virements sur comptes jusqu'aux placements et aux prts, voici tout ce dont vous avez besoin pour grer vos besoins financiers et bancaires partir d'un guichet unique. Grce son interface conviviale, ses outils et calculateurs financiers et ses fonctionnalits compltes, vous pourrez dcider du moment et du lieu de vos oprations bancaires. Accs la maison, au bureau ou en vacances sur une plage des Bermudes, il vous suffit d'une connexion Internet pour accder l'information financire et vos dossiers de gestion, 24 heures sur 24, sept jours sur sept. Votre code d'activation vous est transmis par la poste aprs l'inscription, ce qui vous permet d'accder en toute scurit l'ensemble des fonctionnalits de Banque en direct de RBC Banque Royale. Gestion de vos comptes Finis les paiements en retard ! Notre suite exhaustive de services vous permet de tenir vos comptes jour. Toutes les oprations effectues par Banque en direct sont sres et scurises. Consultez nos conseils d'utilisation pour vous familiariser avec une varit de techniques qui vous feront gagner du temps. Dcouvrez les atouts de Banque en direct : commodit et simplicit. Inscrivez-vous en ligne ou par tlphone, au1 800 ROYAL 5-5 (1 800 769-2555), 24 heures sur 24, sept jours sur sept. Selon le type de votre compte, il se peut que des frais d'opration s'appliquent aux paiements de factures et aux virements de fonds raliss par l'entremise de Banque en direct et des Services bancaires par tlphone. Notre forfait comporte un vaste ventail de services, moyennant des frais mensuels fixes. RBC Placements en Direct Inc.* et la Banque Royale du Canada sont des entités juridiques distinctes et affiliées. * Membre – Fonds canadien de protection des épargnants. ne fournit pas de conseils en placement et ne fait pas de recommandations concernant l’achat ou la vente de titres. Les investisseurs sont responsables de leurs décisions de placement. RBC Placements en Direct est un nom commercial utilisé par RBC Placements en Direct Inc.