Angelo DeCandia is currently an independent consultant with almost twenty years experience in the financial markets. He started his career at American Express as a Senior Programmer Analyst, where he created customized software called TRIPS for corporate clients. This package helped clients track employee-related expenses and was part of an overall marketing effort to provide full service in the corporate travel area. He then moved to Merrill Lynch as Assistant Vice President, where he was involved in the development of debt analytical models for institutional clients, sales and trading desks. These models provided analytical tools used for fixed income trading for an array of debt instruments and these products were distributed on the Bloomberg Financial network. Mr. DeCandia has written for Investment Dealer's Digest, and holds an MBA with a concentration in Finance from New York University.