MONICA AGGARWAL, CFA is a Managing Director within Fitchs U.S. Corporate Ratings group and Team Head of Retail and Consumer. She is responsible for the sector team covering retail, consumer products, packaged foods, restaurants, and beverages across the investment grade and high yield space. Prior to joining Fitch in September 2007, Monica spent almost ten years in equity research at Morgan Stanley, Merrill Lynch and Chapdelaine Institutional Equities covering various retail segments. Monica earned a Bachelor of Arts Degree in economics from Delhi University and an MBA with majors in finance and international business from Fordham Gabelli School of Business. She is a CFA® charterholder and a member of the CFA Institute and CFA Society New York. Monica serves on the Board of Streetwise Partners, a non-profit in New York City.