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Mr. Caltavuturo joined Hales & Company in 2004 and has over 10 years of experience as a banker and regulator to the financial services industry, with an emphasis on the insurance, bank and healthcare sectors. Prior to joining the firm, he was with Fox-Pitt, Kelton Inc. where he focused on advisory projects and equity capital raising for the insurance and healthcare sectors worth in excess of $10 billion. He has extensive structured finance and lending experience from Deutsche Morgan Grenfell, as well as regulatory experience during assignments at the Federal Reserve Bank of New York. He graduated as an Alumni Memorial Scholar from Colgate University with concentrations in Economics and International Relations and has earned an MBA from Columbia Business School. | 