Richard Hawkins CEO, Atlantic Risk Management Services Richard established Atlantic Risk Management Services Limited in 1997, the leading provider of ABL ABS Receivables and Trade Finance services including audit, recoveries, training, and work outs. Atlantic RMS works for many of the leading financial institutions in Europe, Asia and the USA. Richard is recognised as one of the leading experts in his field with over 30 years of experience dealing with complex cross border transactions, portfolio management projects, corporate recovery, and credit and tactical risk management. He has published various articles, has spoken at many industry events and is co-author of Asset Based Working Capital Finance, published by Financial World Publishing on behalf of the Chartered Institute of Bankers.