Howard Kaplan is a senior partner at Deloitte & Touche LLP, with more than 30 years of deep financial services industry experience, specializing in securitization, capital markets and valuation. Howard currently serves as the global lead client service partner for a top global investment bank, as well as an industry leading global payments company. In addition, he serves as the U.S. lead client service partner for two top U. S. education finance companies, An active leader, frequent public speaker and recognized contributor to the securitization industry, Howard is responsible for senior relationships with top Deloitte securitization clients. Howard currently serves on the board of directors and executive committee for the Structured Finance Association, the leading industry advocacy organization in the policy, legislative and regulatory arena. Previous to these roles, Howard spent the last 22 years building and leading the U.S. Firms’ Securitization practice, where he most recently served as the U.S. managing partner, responsible for strategic planning and client service relating to Deloitte’s product and service offerings in financial instrument valuation and securitization, including valuation, advisory, technology, transactions, accounting, tax and compliance.