Richard Francis serves as director of sovereign ratings at Fitch Ratings. Previously, he was director of sovereign ratings at Standard & Poor’s. Francis was also a research economist at Morgan Stanley. He holds a bachelor’s degree in political science from Rice university and a master’s degree in international affairs from Columbia University.

Transforming Urban Cardiovascular Health
At the 2025 Concordia Annual Summit, leaders from across sectors gathered to address one of the most pressing global health challenges: cardiovascular disease in rapidly growing urban environments. In partnership with

