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Mind the Gap

The Mastercard Index of Women Entrepreneurs is a study that has been conducted to review how women are working to break barriers in the workplace. Among the findings, the United States ranks third and the United Kingdom tenth in top ten markets that have the greatest opportunity for female entrepreneurs to succeed.

Trivia:

As of 2018, how many women own businesses in the United States and the United Kingdom?

a) 11.9 million in the US | 9 million in the UK

b) 8.7 million in the US | 7 million in the UK

c) 3 million in the US | 1.2 million in the UK

The first person to submit the correct answer to babc@babcphl.com will receive one complimentary ticket to our GlobalConnect event on January 31, 2019.


New Members

Club Level Member:

Johnson, Kendall & Johnson
Bruce F. White
Vice President Insurance Services
109 Pheasant Run
Newtown, PA 18940
P: 215-968-4741
E: bwhite@jkj.com

Johnson, Kendall & Johnson (JKJ) is an insurance brokerage and risk management firm located in Newtown, PA, that has been managing corporate and personal needs for more than 50 years. JKJ’s personalized services in property and casualty insurance; risk and safety management services and claims consulting; group benefits; individual life, home and asset protection program development; financial services; and retirement planning allow JKJ clients to focus on their respective business while JKJ provides direction in managing the risk.

JKJ’s diverse clientele challenges it to create programs unique to each client. Johnson, Kendall & Johnson is licensed in various lines of business in all 50 states, with access to all of the major insurance markets. In addition, JKJ is the founding board members of RiskProNet International and UNiBA Partners international insurance brokers. These organizations support JKJ and one another’s ability to work with and provide dedicated services to international clients, and conduct various business lines in all 50 states, with access to all of the major insurance markets.

Corporate Member:

Global Payments Partners
Joe Connolly
Founding Partner
Westport Innovation Hub
20 Ketchum Street
Westport, CT 06880
P: 203-216-1776
E: jconnolly@globalpaymentsllc.com
www.boiglobalpayments.com

Bank of Ireland Global Payments blends the pedigree of Ireland’s oldest bank with the know-how of World First- one of the world’s most innovative FinTech Companies.

In the US, World First is Bank of Ireland’s exclusive and trusted international payment services provider.

Educational, Arts & Charitable Institution Member:

Museum of the American Revolution
Brian Parkhill
Manager of Corporate Partnerships
101 South Third Street
Philadelphia, PA 19106
P: 267-579-3543
E: bparkhill@amrevmuseum.org
www.amrevmuseum.org

Opened on April 19, 2017, the Museum of the American Revolution explores the dramatic, surprising story of the American Revolution through its unmatched collection of Revolutionary-era weapons, personal items, documents, and works of art. Immersive galleries, powerful theater experiences, and interactive digital elements bring to life the diverse array of people that created a new nation against incredible odds. Visitors gain a deeper appreciation for how this nation came to be and feel inspired to consider their role in the ongoing promise of the American Revolution. Located just steps away from Independence Hall, the Museum serves as a portal to the region’s many Revolutionary sites, sparking interest, providing context, and encouraging exploration.

Individual Member:

Frank McGlade
Sales Director
Kintetsu World Express
800 Calcon Hook Road
Sharon Hill, PA 19079
P: 215-554-1991
E: frank.mcglade@kwe.com
www.kwe.com

Regional Government Partner:

Citizen Diplomacy International of Philadelphia
Siobhan Lyons
President and CEO
1515 Arch Street, 12th Floor,
Philadelphia, PA 19102-1594
P: 1-215-683-0999
F: 1-215-683-0998
E: siobhan.lyons@cdiphila.org
cdiphila.org

Citizen Diplomacy International is a nonprofit organization that empowers Philadelphians to represent our city and the United States through person-to-person diplomacy. We believe that personal interactions help shape U.S. foreign relations, impact on our national security and build the United States’ reputation around the world. We showcase the best of Philadelphia and make global connections for our citizens; inspiring Philadelphia to be a global city and be globally recognized.

Our network of volunteer Citizen Diplomats welcomes nearly 1,300 international visitors every year to Philadelphia on high school exchange programs, professional exchange programs and trade missions. We partner with the Department of State and the City of Philadelphia to host international delegations and show them all of the great things that Philadelphia’s world famous for – which is more than just cheesesteaks.

International exchange contributes to the world’s growth and stability and enriches Philadelphia with a deeper understanding of world cultures and ideas.

A more civil, peaceful and prosperous world starts with you. Be a Citizen Diplomat. Join at cdiphila.org.


Human Interest Feature

Rebecca Lewis Takes Lead Position for New Women’s Global Initiative – Department for International Trade
By Emma Silverstone, BABCPHL Coordinator and Senior at Temple University

In 2017 the Department for International Trade (DIT) launched a new initiative to empower women in the Department, and provide learning and development opportunities for female leaders. Concluding its first year and taking forward the overseas strategy as Co-Chair, is Rebecca Lewis, Deputy Head of Trade and Investment at the British Consulate General. Rebecca has also served as a BABCPHL Board Member for the past six years.

At the end of September 2018, Rebecca assumed the role of Overseas Global Co-Chair of the DIT Gender Equality Committee. Her tasks include: mirroring diversity and inclusivity of gender from the commercial world and adopting best practices within the Department; ensuring work is delivered through a gender diversity lens; creating opportunities for learning; appreciating cultural differences; and discussing the wage gap.

According to Rebecca, the objective is to “create and challenge leadership within the Department to ensure there is gender equality throughout all aspects of our work. We are fortunate to have senior leadership that is 100% supportive.  This is reflected through our core Department values – expert, engaged, enterprising, and inclusive – and of course supports the UK Government’s agenda for a global and modern Britain with ambitions for prosperity, stability and security worldwide.”

While the initiative is still developing, Rebecca says the group aims to address issues that are faced by women in the workplace in both the US and the UK. Topics of particular interest include: communications, workplace policies and engagement, promotion opportunities, mentorship, business growth support, learning from industry, and incorporating best practices into government departments.

Documented evidence suggests women face challenges in today’s work environment. For example, women owned businesses lack access to funding and support. According to a 2017 article from the Huffington Post, the Organization for Economic Development and Cooperation reported insufficient investment for female-led businesses and continued disconnects between skills building and finance supporting growth of women led enterprises. Nonfinancial support necessary for women entrepreneurs to succeed in growing their businesses includes, but is not limited to: the support of families and communities; supportive messages in the media, as well as stories, role models, and examples of successful women entrepreneurs; access to networks and mentors to share ideas, information, and contacts; and soft skills, such as leadership development, pitching, negotiating, and time management, as well as building self-confidence and ability to deal with the extreme stress of juggling family life and the demands of running a business. All of this presents challenges for female entrepreneurs, and economic development at large.

Equal gender opportunities are just as important in the UK as in the US. The British workplace is an inclusive environment, with many different nationalities that call the UK home. While there are differences in each industry, one thing for sure, it’s important for women to be confident and persistent, notwithstanding which side of the Atlantic they are on. As for what women can do to overcome challenges they face in the workplace, Rebecca says, “promoting the issues, having leadership commit to a diverse work force, and encouraging senior management to set the tone are vital. Let’s continue to build each other up and champion the issues for evolvement.”

Rebecca grew up in the Greater London area. She attended the University of Plymouth, UK and also spent time at the University of Manitoba in Winnipeg, Canada. She started her career at Scottish Courage brewery in customer marketing before moving to the US in 2003. Rebecca has spent the last fifteen years in international trade and investment working across the Midwest and East Coast of the US. During her tenure, she has assumed various roles including leading the East Coast Energy and Environment team, US Head of London 2012 Olympics, US Head of Infrastructure, and currently is Deputy Head of Trade and Investment.

Stay tuned for additional information about this important topic as well as a BABCPHL sponsored roundtable later this year. The BABCPHL congratulates Rebecca on her new role.  We look forward to helping Rebecca champion DIT’s women’s initiative to promote gender equality in the workforce both in the US and the UK.


Club Level Feature- Johnson, Kendall & Johnson

JKJ: Let’s Make the World a Smaller Place

For global organizations, the management of risk is constantly evolving. Assessing risk cannot be compartmentalized to the standards and norms of the parent company’s country laws, regulations, operations, and litigious environment. JKJ’s risk assessment factors in many entities, countries, governing bodies, and exposures. We work with global organizations around the world on the avoidance, prevention, retention, and transfer of risk when the business is managing risk in conjunction with their US domiciled entity through commercial insurance programs and risk prevention practices.

JKJ’s model to service client locations across the country from a centralized location is an important attribute of our international business model. We have the licenses required in all 50 states for admitted and non-admitted placements, but also, our team is able to be at client locations regardless of where the location may be. This model allows us the flexibility to service subsidiary locations anywhere in the country and focus on developing a high level of competency with a centrally located team. We travel frequently outside the US to meet with executive management teams, risk managers, or ownership of foreign parent companies as part of the global interaction. A primary factor to perpetuate this model is our commitment to remaining independent. By remaining private and independently owned, we can focus on driving resources back to the benefit of our clients rather than outside stakeholders.

We focus on four primary areas for our international clients which are: Communication, Culture, Coordination, and Compliance.

Through our prior experiences in international transactions we find there is a significant opportunity of creating value to parent and subsidiary companies by beginning with the understanding of the differences in culture and customs of transacting business in each country. Addressing these differences with an integrated solution can be cost effective and coverage efficient for our clients.

Communication

We focus on transparency for all parties including local management, foreign brokers, executive headquartered management teams, etc. This enables us to properly understand all elements of a risk profile and equipping the global group to make sound business decisions. Transparency is key; ambiguity and vague interpretations lead to miscommunication and ill-informed business decisions.

Managing risk globally must be a collaborative effort and requires answering tough questions which often go unasked. This lends to our philosophy that in person meetings are vital. This leads our team to traveling the world for meetings with company headquarter and subsidiary locations.

Traditional solutions for multi-jurisdictional locations have been to find a broker in each respective country who can countersign the local policies and provide very basic insurance services, but generally, international networks still focus on “dots on the map” rather than a rigorous analysis of organizational attributes of the broker partners.

Culture

We have committed time and resources to better understanding other cultures which attribute to our clients’ perspectives and needs. Through our experience we understand and respect how people from other cultural backgrounds relate to issues in unique ways. Not only is there an intentional internal study to cultural disconnect, but through decades of frequent international travel we better understand differing cultural norms compared to most American service providers.

Understanding the impact of cultural disconnects can be disastrous in structuring international insurance programs if not considered properly. We recognize that Americans do not think, behave, or process information the same as people in different countries and adapt as best as we can to those varying perspectives.

Coordination

The result of poor communication creates misunderstanding relative to coordinating respective risk management programs in each country. The effective outcome is often gaps in coverage, and the mistaken assumption the terms and conditions provided are “best local standards” automatically provided in all countries. This is aggravated by the fact insurance companies at times refuse to provide translations of local policies in both languages, leading to confusion on the intent of coverage a client was looking to obtain.

Respective regulations and legal requirements are often misunderstood, and they continue to become more complicated in this period of government oversight.

In addition, there can be disconnects as a result of currency exchange rates relative to coordinating retentions and limits of coverage and insurance premium taxes are rarely coordinated appropriately with each subsidiary’s country.

Coordinating insurance programs in and of itself is complex, and to most appropriately leverage the scale of the global organization must be completed with professionals who have a global enterprise risk management approach which optimizes scope of coverage and cost efficiencies.

Compliance

Compliance is quickly becoming a major issue in cross border transactions. Issues are centered on tax obligations, revenue recognition, data protection, and appropriate allocation of expenses. Several cases in the EU and in the USA underscore new compliance standards for both insurers and policyholders relative to allocation of premiums and payment of the current VAT or premium taxes. There are also the accounting issues relative to payment of a claim in one country for a loss that occurred in another country.

Furthermore, evolving data breach laws, regulation, and litigation is forcing a proactive approach on prevention and transferring this risk through insurance.

Duplicate insurance coverage in each country with operations can be a significant problem in the event of a claim with coverage provided by the insurance program in another country. This creates problems in arranging defense and determining which insurance program is the primary insurer. Duplicate coverage is problematic for effective protection against risk for the international organization.

Industry Focus

Although there is a broad scope of industries served within JKJ’s international practice, below are some of the higher concentration areas in which our clients’ businesses are classified. At JKJ we are most effective when our clients are fully engaged with all divisions of our JKJ team, including claims management experts, risk engineers, internal account managers, representatives, and JKJ’s online portals.

    • Manufacturers
    • Advanced Manufacturing
    • Food
    • Distribution & Wholesale
    • Retail
    • Technology
    • Professional Sports
    • Life Sciences

JKJ Service Approach

Some elements of risk management and insurance are specific to US operations and entities. JKJ works hard to best integrate solutions into a global approach for multinational client organizations. The client has an important role including employee retention, reducing operational risk, premium cost mitigation, and the business perpetuation.

As an independent, employee owned company we are focused on driving value back to our clients. JKJ’s international team, although specialized in handling multinational organizations, integrates directly with the staff and services of our successful JKJ model.

  • Risk Engineering – JKJ’s risk engineers interface with our clients’ safety initiatives for our clients to reduce independent consultant costs by navigating the complexities of OSHA regulations, and implementing preventative programs to control the total cost of occupational injury risks.
  • Claims Management – JKJ’s claims consultants act as a client advocate to insurers who are going through claims. We help with coverage analysis, open reserve analysis, and the management throughout the life of a claim with our insurer partners.
  • Contractual Risk Transfer – a primary form of risk management in the US is through contracts. We actively participate with clients’ internal and outside legal teams to transfer and limit risk by way of contracts.

 

Bruce F. White, CPCU
Vice President Insurance Services
Johnson, Kendall and Johnson, Inc.
109 Pheasant Run
Newtown, Pa 18940
Phone: 215-968-4741


Upcoming Programs

Great British-American Pub Night: QUIZZO! Test Your Knowledge of UK & US Trivia

Thursday, September 20, 2018 6:00-8:00pm
The Victoria Freehouse, Philadelphia

Department for International Trade Advamed MedTech Conference- UK Reception

Tuesday, September 25, 2018 5:00-7:00pm
Pennsylvania Academy of the Fine Arts, Philadelphia

Business Policy Agenda Update: Strength & Opportunity in a Time of Change

Tuesday, October 23, 2018 12:00-2:00pm
The Chamber of Commerce for Greater Philadelphia, Philadelphia

Brits, Beer & Bites Meetup

Thursday, November 8, 2018 5:30-7:30pm
The Pyramid Club, Philadelphia

2018 Signature Holiday Luncheon – PHL International: Regional Economic Engine Connecting Philadelphia to the World

Thursday, December 6, 2018 11:00am-2:00pm
The Ritz Carlton, Philadelphia


Event Recaps

Summer 2018 International Business Networking Reception

Britain Unites- Bridging Connections Across the LGBTQ Community

The Future is Now, Where Are You?

 

 

 

 


Mind the Gap

Did you know that the term “pub” actually comes from the phrase “public house?” Public house was used in reference to “house open to the public.” The oldest pubs in the UK date back to the 18th century. Some even date back to the 1500s!

Trivia:

What is the most popular pub name in the UK?

a) The Prince of Wales
b) The Red Lion
c) The King’s Arms

The first person to submit the correct answer to babc@babcphl.com will receive one complimentary ticket to our Quizzo Pub Night event on September 20, 2018.


New Members

Club Level Members:
Almac Group
George Tiger
Vice President Global- Business Development
25 Fretz Road
Souderton, PA 18964
P: 215-660-8500 ext. 7092
E: George.Tiger@almacgroup.com

The Almac Group is an established contract development and manufacturing organisation that provides an extensive range of integrated services to the pharmaceutical and biotech sectors globally. Having grown organically over almost 50 years and employing close to 5,000 highly skilled personnel worldwide, the Group is headquartered in Craigavon, Northern Ireland and has seventeen facilities, including in the UK, US, and Singapore.

The Group’s North American headquarters is in Souderton, Montgomery County, in addition to having operations in Lansdale and Audobon, PA.

EisnerAmper LLP
Ralph Estel
Senior Manager
One Logan Square
130 North 18th Street, Suite 3000
Philadelphia, PA 19103
P: 215-881-8857
E: ralph.estel@eisneramper.com

EisnerAmper LLP is a leading full-service accounting and advisory firm, with nearly 1,500 employees and 180 partners across the country. We provide audit, accounting, tax, corporate finance, internal audit and risk management, forensic accounting, and other professional advisory services to a broad range of clients. We work with start-ups, closely held businesses, public companies, not-for-profit organizations, and high net worth individuals.

EisnerAmper combines responsiveness with a long-range perspective; to help clients meet the pressing issues they face today, and position them for success tomorrow. For more information, visit www.eisneramper.com.

Corporate Member:
Tanager Wealth Management LLC
Kyle Pettigrove
Partner, Financial Advisor
325 Chestnut Street
Suite 800
Philadelphia, PA 19106
P: 215-298-9042
E: kyle@tanagerwealth.com

Tanager Wealth Management provides tax efficient wealth management services to US and UK households globally. Our firm is founded by Americans and British nationals living the same complexities as our clients, which provides Tanager with a unique understanding of how to help them achieve their goals.

US expats have specific and well documented challenges when saving and investing, and our experience helps US taxpayers and their advisors understand and manage these challenges (FATCA, US tax, investment constraints, regulatory requirements). We are also well versed in the needs of British expats living in the US, and are able to help them enjoy their life abroad and remove the stress of their US/UK obligations.

www.tanagerwealth.com


Human Interest Feature

HM Queen Elizabeth II Announces 2018 Birthday Honours List

The BABCPHL is pleased to congratulate Howard M. Silverstone on his appointment by Her Majesty The Queen as a Member of the Most Excellent Order of the British Empire (MBE). The MBE is an award under the category of “Orders of the British Empire.” The awards were created during World War I by King George V as a way to reward people, both civilians and those serving, for their efforts in the war. Today, there are three categories: Commander (CBE); Officer (OBE); and Member (MBE). Awards are not just given to people serving the military. People who receive the award are individuals who have made great efforts to contribute to their respective communities. Howard’s work with British business in the United States is an example of this.

Howard received this recognition because of his services to British business in the United States. Howard has been a member of the BABCPHL since its inception more than 25 years ago. He has served two terms as President and is currently Programs & Events Chairman. For more than a quarter century Howard has dedicated his time and resources to strengthening the relationship between the UK and the Greater Philadelphia region.

Howard actively promotes the relationship between the UK and the Greater Philadelphia region through his voluntary efforts with the BABCPHL. Howard is a highly committed BABCPHL Board Member. He has helped the BABCPHL overcome the biggest challenge it faces as an international organization: that of the transient nature of its members. BABCPHL has to continually service its existing members, as well as seek new ones. Howard’s work on the board and as President has continually addressed that challenge, through successful meetings, presentations, and speeches that have directly benefited BABCPHL’s constituents with business interests in the UK.

Throughout his tenure with the BABCPHL, Howard has helped the organization expand. Approximately once a month, Howard presides over or participates in a BABCPHL program about a current issue or event affecting the trade and commercial relationship between the Greater Philadelphia region and the UK. Howard has also supported BABCPHL efforts to raise funds and awareness for underserved or disadvantaged groups through annual community service programing and other-related projects. While Howard is occupied day in and day out with his privately owned and managed forensic accounting firm – Forensic Resolutions, Inc. – he always finds time to dedicate several hours per week to the BABCPHL. His commitment has had immeasurable impact on the region’s relationship with the UK both financially and culturally. Howard’s support has enabled the BABCPHL to continue to facilitate the social and commercial interaction of individuals and corporations on both sides of the Atlantic.

Howard is an outstanding ambassador for the UK in the US. During his early years in America, upon learning about the BABCPHL, he immediately sought out and became affiliated with the Organization. The BABCPHL is the premier international business association and the only UK dedicated group of its kind in the area. This affiliation afforded Howard the opportunity to network with professionals who shared his interests and connections to the UK. Originally only planning to stay one year, Howard made the most of his experience and decided to remain in America. Then, today, and into the future, Howard is passionate about connecting with others. He is always eager to build bridges to enhance the strong economic and cultural ties between the Greater Philadelphia region and the UK.

In October, Howard and his family will be traveling to Buckingham Palace to accept the MBE. The BABCPHL wishes Howard heartfelt congratulations on receipt of this very well deserved recognition, and sincere thanks for the many years and hours of service he has dedicated to promoting our Organization’s mission.

Click here for a complete listing of the Diplomatic and Overseas Birthday Honours List.


Club Level Feature- Cigna

Cigna Global Health Benefits® Business-to-Government: Caring for Foreign Government Personnel around the World
In a rapidly changing world, foreign governments need an experienced partner to keep their citizens well.  

The Air War College in Montgomery, Alabama is the senior US Air Force professional military school. Its instructors educate American military and agency personnel, as well as thousands of non-US residents from 41 nations around the globe. It was at a global military college such as this that a young Afghanistan solider was studying when he took a motorcycle ride that would change his life – and demonstrate the value of having comprehensive health and well-being coverage provided by his home country’s government.

When medics arrived on the accident scene, it was clear that the young solider was paralyzed from the waist down and that there was a language barrier. Fortunately, when hospital staff contacted Cigna Global Health Benefits (GHB), the injured man’s insurance provider, they were able to quickly connect with Arabic-speaking team members who translated, explained the US healthcare system process to our client, coordinated his care and reassured him at a frightening time.

Foreign Government Responsibility for Citizenry

Foreign governments, embassies, and consulates regularly send their employees and citizens abroad for a variety of reasons, including regular employment and mission work, to receive medical care and to further their education. In these instances, the foreign government has a responsibility to ensure the safety and welfare of its citizens abroad.

Assigning foreign government personnel and their families abroad is one of the most critical decisions a country has to make, and selecting appropriate healthcare coverage is an integral part of this decision.

Cigna GHB’s Business-to-Government Team

Cigna, a Fortune 100 global health insurance company providing superior quality healthcare, clinical management, and wellness solutions to more than 95 million customers across 200 countries around the globe, works with customers to help them lead a healthy life with personalized health and wellness services and solutions. Our global reach guarantees our clients with 24/7 customer support, multilingual call centers located in nine global locations, specialized clinical services, and access to 1.5 million medical and healthcare professionals and facilities worldwide.

With more than 25 years of experience in providing health care solutions to foreign governments, Cigna’s Business-to-Government segment includes customized, locally compliant health coverage solutions that cater to travelers and globally mobile assignees who require coverage for health issues ranging from routine care to life-threatening medical emergencies while outside of their country of residence. Trained to be culturally sensitive and to service the whole client, Cigna’s Business-to-Government team is the healthcare solution of choice for foreign governments around the world.

Dedicated Care – Anywhere

The Cigna Business-to-Government team is comprised of an integrated, multi-lingual, dedicated sales and service delivery model to interface with foreign government personnel and staff in person and virtually, ensuring that the right mix of healthcare solutions are implemented and aligned to meet their employees’ needs. Cigna Global Health Benefit’s expansive network of leading healthcare professionals around the globe, with direct provider payment arrangements, uniquely positions us to provide dedicated care from 30 global offices.

Specialized Solutions & Commitment to Service

Designed to meet the needs of clients on long- or short-term global assignments, Cigna’s Business-to-Government offering is unique in the industry. We offer the following benefits to qualified Business-to-Government clients and their family members:

  • Medical, dental and vision coverage
  • Pharmacy coverage
  • Life/accidental death and dismemberment/long-term disability coverage
  • Global TeleHealth – A mobile app that provides 365/24/7 a week secure access to board-certified doctors with private online, and live appointments via video or phone.
  • Pre-assignment assistance – Early assessment, planning, ongoing support and expert coaching to keep globally mobile clients healthy and productive.
  • International Employee Assistance Program – Free 365/24/7 a week confidential assistance with any work, personal or family issues.
  • Medical evacuation (provided through a partnership with ISOS) – Emergency evacuation and transportation when there is an immediate threat to life or limb.
  • Medical Benefits Abroad (MBA) for International business travelersCoverage for injuries and illness incurred while traveling on government-sponsored trips away from home.

Real Life Care – for the Journey

Whether you’re looking for healthcare solutions in the United States or expanding your country’s interest around the world, the Business-to-Government team at Cigna GHB has the products, services and dedicated professionals to ensure your peace of mind.

To learn more, please visit CignaGlobalHealth.com or contact:

Amir Aziz

Senior Client Manager, Cigna Global Health Benefits

111 S. Calvert St.

Baltimore, MD  21202

Email:   amir.aziz@cigna.com
Mobile:  410-952-6409

Fax:     860-730-3929

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The BABCPHL recognizes our Club Level Members:

  • Almac
  • American Airlines
  • Cigna
  • Cigna
  • Deloitte
  • Drinker Biddle & Reath LLP
  • Duane Morris
  • EisnerAmper LLP
  • HSBC
  • Johnson, Kendall & Johnson, Inc.
  • McConnell Johnson Real Estate
  • Morgan Lewis
  • Law Firm of Pepper Hamilton
  • TD Bank
  • United Airlines
  • Virgin Atlantic
  • Welsh Government