Richard Hawkins CEO, Atlantic Risk Management Services Richard established Atlantic Risk Management Services Limited in 1997, the leading provider of Lender Services including ABL ABS Receivables and Trade Finance sectors. Their services include Field Examinations, Lender Finance Reviews, Audit, Recoveries, Collections, and Work outs. Atlantic RMS works for many of the leading Bank and Non-Bank financial institutions in Europe, Asia and the USA. Richard is recognised as one of the leading experts in his field with many years of experience dealing with complex cross border transactions, portfolio management projects, corporate recovery high level consulting assignments. He has published various articles, has spoken at many industry events in the USA and Europe. He is co-author of Asset Based Working Capital Finance, published by Financial World Publishing on behalf of the Chartered Institute of Bankers and Author of Terms Sectors and Dilutions published by BCR.