Ross McGill is a global subject matter expert on US withholding tax, FATCA, QI regulations, CRS and AEoI, and the author of eight previous works on withholding tax, regulatory compliance and management of technology in financial services. He provides consultancy, opinion and training on matters related to the content of this book to financial services firms in thirteen countries. Mr McGill sits on several important international committees including ISO20022 Securities Evaluation Group, The European Commission Tax Barriers Business Advisory Group and the International Capital markets Services Association (ICMSA). Chris Haye is a consulting subject matter expert on MiFID II and US Section 1441 NRA regulations ('QI'). He works within TConsult to respond to requests for opinion on various regulatory and operational matters. Stuart Lipo is a researcher in the commercial sector of financial services. He researches and curates the online GATCA Resource Library. Stuart Lipo has worked in the UK financial services industry for a number of years including time at Origen, Bluefin and Messer and Matthews.

He holds a CF2 certificate and is a member of Institute of Financial Services (MIFS).