Mr. Hardt began his career at Bankers Trust, now part of Deutsche Bank, as a corporate lending officer in the New York City Division, covering several of the firm’s largest multinational clients. He later expanded his focus to savings institutions, originating innovative tax-advantaged transactions. In 1991, he was appointed Treasurer of BT Securities, the securities subsidiary of Bankers Trust, where he secured stand-alone credit ratings and led capital issuances to institutional investors. He was subsequently appointed Head of Global Treasury for Bankers Trust, retaining his BT Securities responsibilities.

Following Deutsche Bank’s acquisition of Bankers Trust, John joined Deutsche Bank as Global Head of Balance Sheet Management and relocated to London. He later became the first Group Corporate Treasurer of Lloyds TSB Group, where he initiated prize-winning securitization and capital issuance transactions.

John then joined UBS to establish and lead a global capital optimization function. He later presented to a Board committee on the risk-adjusted returns of the fixed income business prior to UBS’s strategic exit from much of that business.

Mr. Hardt subsequently joined Goldman Sachs to lead capital management and the CCAR program within the Securities Division and subsequently moved to Firmwide Risk to establish the firm’s first formal risk identification function. At Citigroup, he led firmwide risk identification and later established the firm’s first Strategic Risk function.

Most recently, John served as a consultant to Capitolis, a New York-based fintech, where he was engaged in structuring capital-efficient solutions for financial institutions and their clients.