Vlad Goryachev graduated from MIREA in Moscow in 1997, as a systems engineer. Worked in Trade Finance division of CSFB Moscow 1995-1997, then as Head of Trade and Payment Services of Deutsche Bank Moscow 1998-1999. In 2001 he earned Michigan MBA with emphasis in Finance. Then worked as a credit derivatives structurer and trader with Deutsche Bank New York (2000-2004), TD Securities London (2004-2005), RBS (2005-2006). In 2006-2009 was Head of Investor Structuring with Renaissance Capital, London. Currently resides in Spain, gives sailing lessons and teaches derivatives seminars. Also - a freelance financial consultant.