John Ruddy, CFA, is a product specialist at Black Swan Consulting focusing on CMBS and CDO transactions. Prior to Black Swan he was a Director on the commercial real estate lending team at Citigroup Global Markets. Before joining Citigroup, he was a principal at NIR Capital where he invested in CDO and structured products over a two year span. From 1998 to 2004, John served as Vice President at Wachovia where he structured CDO, CLO, equipment lease and franchise loan transactions. Prior to Wachovia he served as a manager at KPMG for two years where he modeled CMBS, ABS and RMBS transactions. From 1992 to 1996, John was a senior auditor at the FDIC. He holds a BS in Accounting from the University of Scranton and an MBA from George Washington University.