Event Information
ESG Investment Leader | Europe brings together the community of senior investment officers, ESG and responsible investing experts from third-party asset managers, pension funds, insurers, foundations, and endowment funds, alongside their operational, risk, and reporting colleagues, to explore both strategic insights and tactical guidance on how to design and integrate ESG investment plans, scale portfolio adaptation plans, optimise risk and reporting frameworks, access verified data, and refine portfolio holding engagement strategies.
KEY BENEFITS OF ATTENDING IN-PERSON
Benefit 1
In person networking
Meet like-minded professionals and industry innovators from across the European ESG and sustainable investment sector, providing a fantastic opportunity to connect and engage with fellow asset owners and investment professionals.Benefit 2
Engage with industry experts
Have the chance to raise questions with our expert speakers during audience Q&A and designated networking breaks, as well as an opportunity to gain insight into the thoughts and aspirations of your peers.Benefit 3
Focused agenda and prestige speakers
We examine and challenge the practical steps investment leaders of pension plans, insurers, and other institutional asset owners can take to boost returns and manage risk, through the appropriate use of ESG investment philosophy.Benefit 4
Priority access to the bespoke report
Receive a free copy of the annual ESG Investing for Institutional Investors, 2023 report featuring further industry perspectives and ideas.2023 Speakers
Agenda
David Carlin, Head of Risk, United Nations Environment Programme Finance Initiative (UNEP FI)
David Carlin
Head of Risk
United Nations Environment Programme Finance Initiative (UNEP FI)
David Carlin leads the TCFD and climate risk program for UNEP- Finance Initiative. He currently is running a pilot for nearly 50 global banks and investors on topics of climate scenarios, climate risk assessments, and climate governance. He is also a contributor to Forbes, where he writes about climate change and leadership.
Prior to joining UNEP-FI, he worked as a senior manager in Risk and Public Policy for Oliver Wyman Consulting and in Model Risk Management for PNC Bank. His background is in quantitative modeling and decision science.
He conducted research in financial decision-making at Carnegie Mellon University and graduated Phi Beta Kappa from Williams College.
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Moderator
Tim Manuel
Partner, Head of Responsible Investment
AON
Tim heads up the Responsible Investment team in the UK, leading the development and implementation of Aon’s policies and solutions. He helps pension fund trustees and other investors understand the implications of responsible investing and supporting them through the practicalities of making decisions that support their wider financial objectives. He is a senior member of the Aon Investment Consulting practice in the UK and is responsible for advising a number of trustees and corporate clients. Tim is a fellow of the Institute and Faculty of Actuaries.
Mark Lewis
Head of Climate Research
Andurand Capital
MARK LEWIS is Head of Climate Research at Andurand Capital LLP since June 2021. Prior to his current role Mark was Chief Sustainability Strategist at BNP Paribas Asset Management (2019-21), and before that a sell-side analyst for 20 years covering the energy space as both an equity and a commodities analyst: as Managing Director and Head of European Utilities Research at Barclays (2015-18), Chief Energy Economist at Kepler Cheuvreux (2014-15), and at Deutsche Bank as MD and Global Head of Carbon and Energy Research (2005-13) and Director, European Utilities equity research, 1999-2004. He has also worked for the leading energy think tank Carbon Tracker (MD and Head of Research, 2018) and for the German utility E.ON (Deputy Head of Investor Relations, 2004-05). Prior to his career as a sell-side analyst Mark worked as a sovereign credit analyst at Standard & Poor’s (1997-99), and as an academic at the University f London (1994-97).
Mark has been a member of the Financial Stability Board’s Task Force on Climate-related Financial Disclosures (TCFD) since May 2016, and a Senior Associate at the Cambridge Institute for Sustainability Leadership (CISL) since 2020. His research on carbon and energy markets has won numerous awards and he often writes opinion pieces for the Financial Times on energy and climate topics.
Mark is a UK and French Citizen and holds a BA (First-Class Hons) in Modern Languages and Economics from Sheffield University, an MPhil from Cambridge University, and an MA from London University.
Douglas Clark
Head of Investment Research and Solutions
Brightwell
Doug joined Brightwell Pensions in June 2008. Between 2008 and 2009 he focused predominantly on monitoring and selecting hedge funds. Since then, he has focused on wider investment strategy and manager selection across all asset classes. From 2004 to 2008 Doug worked at Belgrave Capital Management, the UK subsidiary of a Swiss Bank, researching and selecting both hedge funds and long-only equity funds. Prior to this he worked as an analyst in the trading team at British Energy, focusing on the renewable energy market.
Ryan Allison
Senior Climate Investment Risk Manager
Phoenix Group
Ryan is a Senior Climate Investment Risk Manager at Phoenix Group, and member of the Sustainable Investments team. He is responsible for developing the Group’s suite of climate investment risk metrics to measure and manage the transition of the Group investment portfolio to net-zero. Ryan is involved in the design and implementation of climate and nature investment strategy and research, including climate modelling approach, climate scenario analysis, and ESG data. He is also responsible for the delivery of carbon footprinting of the Group’s financed emissions. Prior to joining Phoenix, Ryan spent 7 years at EY working with a range of insurance, pension fund and asset management clients. Ryan is a Fellow of the Institute and Faculty of Actuaries.
Clare Wood
Sustainable Portfolio Specialist
Steward Investors
Clare Wood joined the Stewart Investors team in March 2023 as a Portfolio Specialist focusing on sustainable investing. Previously, Clare worked in several roles in First Sentier Investors including Head of Investment Assurance and Global Head of Product. Before then, Dr Wood was Head of Portfolio Risk Management at Kames Capital in Edinburgh and worked with the Fairfield Greenwich Group and Foundation Capital Strategies, in Bermuda. Dr Wood has acted as Trustee of a hybrid defined benefit / defined contribution pension scheme and of a charity providing residential and day services for adults with learning disabilities. Clare holds a BSc Hons 1st Class degree in Pure and Applied Mathematics from the University of Sheffield and a Ph.D. from that University’s Department of Automatic Control and Systems Engineering.
Lorenzo Sáa, Chief Sustainability Officer, Clarity AI
Lorenzo Sáa
Chief Sustainability Officer
Clarity AI
As Chief Sustainability Officer, Lorenzo is responsible for driving Clarity AI’s public and stakeholder engagement, working with peers, industry participants, and clients to develop partnerships that enhance investor value and sustainable outcomes. At the forefront of market developments, Lorenzo shapes Clarity AI’s cutting edge thought leadership.
Lorenzo joined Clarity AI after over 20 years of being at the forefront of sustainable investments. As one of the early professionals at the Principles of Responsible investments (PRI), he held multiple roles in the organisation, driving it from about 300 institutional investors to the over 5,000 it has today. As Head of the PRI Reporting and Assessment he launched the first ever in house global responsible investment reporting framework, which now has over 3,000 institutional investors reporting against. He later led the PRI’s Signatory Relations 50-member team which supports existing signatories to implement sustainable investments and recruits new signatories to ensure broad adoption globally.
Elisabeth Seep
Head of Sustainable Product Solutions
RIMES Technologies
Elisabeth Seep leads the ESG product strategy at RIMES Technologies. As a pioneer and advocate for ESG data over the last twenty years, she was most recently a Director in the MSCI ESG product team; specializing in fixed-income. While at MSCI, she tackled the data challenges related to ESG integration into fixed-income asset classes and developed new, innovative ESG and climate products for the investment management industry. Previously, she developed the sustainable finance franchise at BNP Paribas North America, trained credit teams on how to integrate ESG data into their risk analysis, and started her career learning about corporate governance at Moody’s.
Bryan Carter
Head Global Emerging Markets Debt
HSBC Asset Management
Bryan is the Head of Emerging Market Fixed Income at BNP Paribas Asset Management. In this role, he is responsible for setting strategy, generating alpha ideas and risk budgeting for the firm’s emerging markets fixed income business. Bryan joined our firm in 2016 and is based in London.
Prior to joining us, Bryan was a Portfolio Manager at Acadian Asset Management, where he was lead manager for the Emerging Market Debt and Global Absolute Return Bond strategies. Prior to that, he was an Economist at T. Rowe Price Associates Inc., where he developed economic models to analyze global economic data, estimate risks to growth and inflation, and forecast interest rates. He began his career as an International Economist at the United States Treasury Department, where he recommended US vote on hundreds of International Monetary Fund, World Bank and Inter-American Development Bank loans.
In the non-profit community, Bryan is involved in the Emerging Market Investors Alliance, for which he co-chairs the Fiscal Transparency Committee charged with furthering investor awareness of data transparency issues and organizing educational events.
Bryan has 13 years of investment experience. He holds a bachelor’s degree in Economics and Spanish from Georgetown University as well as a Master of International Development from Harvard University. Bryan is a CFA charterholder.
Claudia Röring
Head of Product Management
Quoniam
Claudia Röring is the Head of Product Management and Sustainable Investing Coordinator at Quoniam. Before that, she held various portfolio management positions, among others at Gothaer AM or Deutsche Asset Management, most recently the role of Head of Portfolio Solutions EMEA, Alternatives & Fund Solutions. As of 2015, she was Head of Product Management and Sustainability Officer at Lupus alpha. She holds a degree in economics from Ruhr University Bochum and is certified ESG analyst (CESGA).
Jaclyn Bouchard
EVP, Head of ESG Solutions & Corporate Responsibility
Preqin
Jaclyn Bouchard is the EVP, Head of ESG Solutions & Corporate Responsibility at Preqin. In her role as the in-house subject matter expert on major environmental, social & governance (ESG) and sustainable finance concepts, Jaclyn is tasked with raising Preqin’s profile as the leading provider of ESG data and analytics for the alternative assets market by setting the vision and strategy for Preqin’s ESG product suite. Jaclyn also ensures ESG principles are embedded into Preqin’s culture through the implementation of a corporate responsibility strategy that considers all stakeholders when making business decisions.
Michael Marks
Head of Investment Stewardship & Responsible Investing Integration
Legal & General Investment Management
Michael was appointed Head of Investment Stewardship in April 2021 in addition to being Head of Responsible Investment Integration for Legal & General Investment Management (LGIM), having joined LGIM in 2016 as Chief Operating Officer. In this role Michael is responsible for engagement with investee companies globally across all LGIM’s assets under management as well as regulatory and policy engagement regarding ESG matters. He is also responsible for driving LGIM’s broad responsible investment strategic direction spanning all functions within LGIM. Michael is a member of LGIM’s Executive Committee.
Prior to LGIM Michael had a 28 year career at BlackRock (and its predecessor firms), where he was most latterly regional head of the Client Solutions group. Preceding that role Michael had established and led a number of businesses including the Fiduciary Mandate business, the Aladdin risk management and enterprise tools business and the Transition Management group. Michael is a passionate supporter of inclusion, a vocal ally, executive sponsor of Legal & General’s LGBT network and vice chair of Investment 20/20. He graduated from UMIST in 1987 with a degree in Management Science.
Moderator
Simba Mamboininga
Managing Partner
Devlin Mambo
Simba is a Managing Partner at Devlin Mambo LLP, an Edinburgh based boutique consultancy, providing advisory and implementation expertise within asset management. Simba leads the firm’s ESG research with a focus on determining how to successfully integrate ESG into the investment process. Along with the team at Devlin Mambo, he also co-chairs the Scottish Sustainable Finance Group, a forum centred on identifying practical solutions to industry challenges. He has experience in assisting firms with embedding ESG effectively, along with the supporting policies and governance structures.
Kroum Sourov
Lead ESG Analyst, Sovereign Sustainability
Candriam
Kroum Sourov joined Candriam as Lead Sovereign ESG Analyst in 2018. Most recently, he was the Director of Sustainable Investment Management at a sustainable investments startup. His previous roles include a global macro portfolio manager at Mako Global, a Director of foreign exchange market strategy at UBS, an Assistant Vice President in the Strategic Transactions Group of Barclays Capital, and a bond trader at Goldman Sachs.
Kroum holds a Master’s degree in International Affairs with a specialization in Environment, Resources and Sustainability from The Graduate Institute in Geneva, Switzerland; a Master of Finance from the University of Cambridge, and a Bachelor of Arts in Mathematics from Colgate University, United States.
Alex Struc
Chief Executive Officer
Goalsfirst
Alex Struc is the founder and CEO of Goalsfirst – a UK-based alternative investment firm founded to enable equitable ownership of impact (or influence) and access to superior financial returns through an integrated multidisciplinary investment approach and strategic engagement with investees. Before Goalsfirst, Mr. Struc spent 15 years managing credit assets at PIMCO, including firmwide exposure to banks and insurance and, in his earlier years, leveraged loans and CLOs. Mr. Struc led the industry-wide efforts on engagement as the Chair of the inaugural PRI Bondholder Engagement Committee in 2017, founded PIMCO’s first dedicated ESG investment platform, and structured first-of-their-kind liquid bonds linked to the U.N. Sustainable Development Goals.
Maria Nazarova-Doyle
Global Head of Sustainable Investment
IFM Investors
At IFM, Maria leads the Global Sustainable Investment team, supporting the organisation’s drive towards
maximising long-term returns while creating positive and wide-ranging benefits for communities around
the world. Prior to joining IFM, Maria spent nearly four years as Head of Responsible Investment and
Stewardship at one of the UK’s largest pension providers Scottish Widows. She had previously held senior
DC investment consulting roles at Mercer and JLT. She is a spokesperson on responsible investment
matters, a regular contributor to pension and sustainable finance industry events, a UK Top Green Voice
on LinkedIn and a professional awards judge. She is a member of the UKSIF Board and its Policy
Committee and also volunteers at the PMI Advisory Council and a number of government-led taskforces.
Mitch Reznick
Head of Sustainable Fixed Income
Federated Hermes
Mitch joined in February 2010 as Head of Research on the Credit team before becoming Co-Head of Credit from 2012 to 2019. In 2019, in addition to his role of Head of Research, he became Head of Sustainable Fixed Income and co-manager of the Federated Hermes SDG Engagement High Yield Credit Fund. Prior to this he was Co-Head of Credit Research for the global credit team at Fortis Investments. Other roles at Fortis include portfolio manager of European high yield funds, based in London, and senior credit analyst, based in Paris. Before this he worked as an associate analyst in the leveraged finance group at Moody’s Investors Service in New York.
Mitch is currently working toward a Master’s degree in Sustainable Leadership at Cambridge University. He previously earned a Master’s degree in International Affairs at Columbia University in New York City and a Bachelor’s degree in History at Pitzer College, one of the Claremont Colleges in California. He is a CFA charterholder and the founder and Co-Chair of the Federated Hermes Sustainability Investment Centre. Among his current and former advocacy roles are: founding board member of the European Leveraged Finance Association (ELFA); Co-Chair of the Credit Risk and Ratings Advisory Committee at the Principles for Responsible Investment (PRI); workstream member CFO Coalition for the SDGs of the United Nations Global Compact (UNGC); (former) member the Target Setting workstream at the Institutional Investors Group on Climate Change; (former) member and co-chair of the Capital Markets Advisory Committee of the IFRS Foundation; (former) member of the Sovereign Working Group (PRI); (former) workstream member of the UK-China Green Finance Task Force; and (former) Green Finance Advisory of the City of London.
Sindhu Krishna, Head of Responsible Investment, Phoenix Group
Sindhu Krishna
Head of Responsible Investment
Phoenix Group
Sindhu Krishna is the head of Sustainable Investments team at the Phoenix Group, and her team is responsible for integrating ESG considerations within the investment portfolios of the Group. She has been part of the Group for over nine years having held various investment team roles and prior to that, she worked within investment teams at Zurich Insurance Group. Sindhu is a CFA charter holder and also holds an MBA from Warwick Business School.
Clinton Adas, Global Stewardship Lead for Biodiversity, Investment Stewardship, HSBC Asset Management
Moderator
Andrew Putwain
Managing Editor
Clear Path Analysis
Andrew Putwain is the Managing Editor of Clear Path Analysis’s two market website Insurance-Investor.com and FundOperator.com. He joined the company in early 2022, and prior to that was an oil market journalist for I.C.I.S, part of Lexis Nexis Risk Solutions Group, focusing on the Middle Eastern/North Africa and CIS regions. Other previous roles include Editor at Reactions, part of Euromoney, and on the editorial team at Axco Insurance Information Services. He has also had positions at NS Media, HennikGroup, The Institute of Civil Engineers Publishing and ESG Investor
Clinton Adas
Global Stewardship Lead for Biodiversity, Investment Stewardship
HSBC Asset Management
Guido Giese, Global Head ESG & Climate Solutions Research, MSCI
Guido Giese
Global Head ESG & Climate Solutions Research
MSCI
Guido Giese is MSCI’s Global Head ESG & Climate Solutions Research where he leads applied research and thought leadership on ESG integration, impact investing and climate investing. Recent publications include Climate Matters: Net-Zero Alignment: Objectives and Strategic Approaches for Investors, How Have Stocks Responded to Changes in Climate Policy and What’s in an ESG Rating and What’s Not.
Prior to joining MSCI in 2017, Guido was responsible for the sustainability index solutions business at RobecoSAM, following his tenure as Head of Research and Development at index provider STOXX Ltd, where he was responsible for developing new index solutions. He has more than 20 years’ experience in research and product development in the asset management industry.
Guido holds a PhD in Applied Mathematics from the Swiss Federal Institute of Technology Zurich and has authored numerous articles in international journals for quantitative finance and risk management.
Simba Mamboininga, Managing Partner, Devlin Mambo
Simba Mamboininga
Managing Partner
Devlin Mambo
Simba is a Managing Partner at Devlin Mambo LLP, an Edinburgh based boutique consultancy, providing advisory and implementation expertise within asset management. Simba leads the firm’s ESG research with a focus on determining how to successfully integrate ESG into the investment process. Along with the team at Devlin Mambo, he also co-chairs the Scottish Sustainable Finance Group, a forum centred on identifying practical solutions to industry challenges. He has experience in assisting firms with embedding ESG effectively, along with the supporting policies and governance structures.
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Moderator
Arun Kelshiker
ESG Advisor and former Head of Asset Allocation and Portfolio Strategy
Standard Chartered Bank
Arun Kelshiker was the former Head of Asset Allocation and Portfolio Strategy at Standard Chartered Bank and a senior portfolio manager and country Chief Investment Officer with Allianz Global Investors / Allianz Group. He brings close to twenty years of multi-asset & ESG career experience, having managed institutional assets and provided investment advisory with leading international asset managers and banks. In his role as the Head of Asset Allocation and Portfolio Strategy at Standard Chartered Bank, he provided investment advice and best of breed fund solutions for clients. He was part of Standard Chartered’s Global Investment Committee, and the author and responsible for multi-asset and alternatives within Standard Chartered global publications for several years. He also delivered the bank's roboadvisory & digital investment advisory solutions.
Cleo Fitzsimons
Head of Responsible Investment
Pension Insurance Corporation
Cléo Fitzsimons is Head of Responsible Investing at Pension Insurance Corporation (PIC). Cléo leads PIC’s Environmental, Social & Governance (ESG) efforts and is a member of the Investment Team. She is responsible for integrating ESG into the investment process, assessing ESG opportunities, embedding ESG into the overall investment strategy, and ensuring PIC is an active member of the sustainable financial industry.
Prior to joining PIC Cléo spent 10 years in the Asset & Wealth Management industry at Schroders. She holds a dual Masters degree from the London School of Economics and ESADE business school in Barcelona and a First Class Honours business undergraduate degree from Concordia University in Montreal. Cléo is a Chartered Fellow of the Chartered Institute for Securities & Investments (CISI) and holds the Investment Management Certificated awarded by the CFA institute.
Nimisha Sodha
Responsible Investment Lead
Just Group Plc.
Nimisha has worked in financial services for over seven years having started her career in investment consulting for pension scheme trustees, on schemes ranging in size from £20m to over £1bn. Following this, Nimisha became Head of ESG Research at KPMG, within their investment team, focused on developing a client-focused ESG proposition, developing an ESG research strategy, and creating an ESG manager assessment and ratings framework. Nimisha has also held roles in asset management and discretionary fund management, where her work included corporate engagement, developing responsible investment policies and a stewardship strategy.
In Nimisha’s current role at Just Group, she is responsible for developing a strategy for Just Group’s £25bn investment portfolio to outline the pathway for the next 30 years. Prior to joining the investment industry, Nimisha was a Teacher of Mathematics.
Gilles Moëc
Chief Economist
AXA
Gilles Moëc has been the Chief Economist at AXA Group and Head of Research at AXA IM since June 2019.
He has also overseen investment activities pertaining to research, thought leadership, engagement and
active ownership since September 2020.
Between 1994 and 2006, Gilles held several positions in the French civil service, at the national statistical
institute (INSEE) and at the central bank, notably as head of the International Economics Division of Banque
de France. In 2006, he was appointed Senior European Economist at Bank of America, then, in 2009,
became Chief European Economist at Deutsche Bank. From 2014 to 2019 he was the Chief European
Economist at Bank of America Merrill Lynch.
He graduated from Institut d’Etudes Politiques de Paris in 1991.
Helen Price
Director of Governance
Church of England Pensions Board
Helen is Director, Governance at the Church of England Pensions Board which she joined in 2023. She leads on the Pensions Board’s approach to stewardship in support of a ‘just’ world, a remit which includes a particular focus on governance, corporate sustainability, and voting. Helen is passionate about the role of pension funds in moving to a more sustainable business world and brings with her experience from her previous role as head of stewardship and her involvement in industry-wide initiatives to improve standards. Helen was the inaugural recipient of the ICGN Rising Stars award in 2021 and holds a BA (hons) in Business studies.
Helen is eager to improve representation within the industry and at companies in which we invest. She founded and co-leads the Asset Owner Diversity Charter, an asset owner led initiative which aims to build an industry which represents a more balanced and fair representation of diverse societies.
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Moderator
David Thomas
Director of Infrastructure
GRESB
David is a Director at GRESB, the global ESG benchmark for Real Assets. He leads business development in Europe for the GRESB Infrastructure platform, working with institutional investors and managers to support engagement and the improvement in the ESG performance of their portfolios and assets.
David has over 10 years international experience in the Infrastructure and Energy markets, having worked across Europe, the Americas and Asia Pacific during his time with Inframation, the news, analysis, data and events provider. He holds a BA in Business Management from the University of Leeds.
Aria Goudarzi
Head of ESG Data
Neuberger Berman
Michael Marks
Head of Investment Stewardship & Responsible Investing Integration
Legal & General Investment Management
Michael was appointed Head of Investment Stewardship in April 2021 in addition to being Head of Responsible Investment Integration for Legal & General Investment Management (LGIM), having joined LGIM in 2016 as Chief Operating Officer. In this role Michael is responsible for engagement with investee companies globally across all LGIM’s assets under management as well as regulatory and policy engagement regarding ESG matters. He is also responsible for driving LGIM’s broad responsible investment strategic direction spanning all functions within LGIM. Michael is a member of LGIM’s Executive Committee.
Prior to LGIM Michael had a 28 year career at BlackRock (and its predecessor firms), where he was most latterly regional head of the Client Solutions group. Preceding that role Michael had established and led a number of businesses including the Fiduciary Mandate business, the Aladdin risk management and enterprise tools business and the Transition Management group. Michael is a passionate supporter of inclusion, a vocal ally, executive sponsor of Legal & General’s LGBT network and vice chair of Investment 20/20. He graduated from UMIST in 1987 with a degree in Management Science.
Salim Mansoor
Global Head of Investment Compliance, Alternatives
Allianz Global Investors
Salim joined Allianz Global Investors in 2019 and is the Global Head of Investment Compliance for the Alternatives Division at Allianz Global Investors. In his role he is responsible for the Compliance programme and Compliance risk of the Alternatives Division. Prior to this he worked at Deutsche Bank and Herbert Smith LLP.
Julia Kosulko
Operations and Sustainability Manager
Infranode
Julia is Operations and Sustainability Manager at Infranode, a long-term infrastructure investor with a particular focus on the Nordic countries. Julia integrates the sustainability work across Infranode´s portfolio which comprises of 16 companies in real asset class, such as power lines, district heating, ports, solar, digital and social infrastructure. Julia’s role includes establishment of sustainability governance to ensure ESG data flow, portfolio performance monitoring and overall sustainability progress. Julia works closely with Infranode´s stakeholders to ensure compliance with SFDR and EU Taxonomy.
In 2023, Julia is honoured to be nominated Woman of Influence in the category “Infrastructure” by Private Equity International (PEI).
The ESG Investment Leader Awards builds on the success of the annual ESG Investment Leader | Europe summit, providing a platform for 200+ leading asset managers, insurance investment teams, plus defined benefit as well as defined contribution pension funds to be recognised for their commitment to excellence in ESG investing, investment operations, risk, and reporting. Visit: https://awards.esginvestmentleader.com/live/en/page/home
REPORT
MAXIMISING VISIBILITY IN ESG REGULATORY REPORTING THROUGH THE INVESTMENT CHAIN
PUBLISHED
18 SEPTEMBER 2023
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