Our Key Executives

Rt. Hon Sir Tony Baldry
Chairman of the board
Rt. Hon Sir Tony Baldry
The Rt Hon Sir Tony Baldry is a UK citizen and the UK government’s former Parliamentary Under-Secretary of State Foreign and Commonwealth Office overseeing the West Indies, South Asia, Africa, and North America. He was knighted by Queen Elizabeth II in 2012 and appointed to the HM Privy Council in 2014, and became a Lay Canon of Christ Church Cathedral, Oxford in 2015. During his accomplished career, Sir Tony led multiple official UK trade missions across the globe, including serving as an Honorary Member of the 48 Group for his work with China. Sir Tony was a member of Parliament (MP) for 32 years and a UK government Minister for 8 years. His ministerial posts included Minister of State Ministry of Agriculture, Fisheries and Food, Parliamentary Under-Secretary of State Department of Energy, Parliamentary Under-Secretary of State Department of the Environment, and a Minister in the UK Foreign Office. Sir Tony was also a Personal Aide to the legendary former UK Prime Minister Margaret Thatcher. Following his retirement from the Parliament in 2015, UK Prime Minister David Cameron commended Sir Tony as “the finest example of an MP.” Sir Tony has a Master of Arts degree in International Development and a Bachelor of Law degree from the University of Sussex. He was a visiting Parliamentary Fellow at St. Antony’s College, University of Oxford, and continues to be a guest member of the University of Oxford. Sir Tony is currently the leader of a commercial set of Barristers’ Chambers “One Essex Court” in London. More: Sir Tony Baldry’s Welcome Letter to the Bank’s Customers and Global Partners.

Prabhakar Kaza
CEO | BOARD MEMBER
Prabhakar Kaza
Mr. Prabhakar Kaza is a U.K. citizen and the former CEO of the State Bank of India, London (SBI London), a position approved by the UK Financial Conduct Authority (FCA). The State Bank of India is India’s largest commercial bank since 1806, and a Fortune Global 500 company with more than US$500 billion in assets. Mr. Kaza’s banking experience spans more than forty years as a well-respected, senior commercial banking executive. Mr. Kaza was also HSBC Bank’s London-based senior Relationship Director for more than a decade. Mr. Kaza holds a master’s degree in Physics from Osmania University in India and a second master’s degree in Financial Management from Jamnalal Bajaj Institute of Management Studies in India. He also has a diploma in Systems Management and a CAIIB professional certificate for bankers. He is the former President of the UK Telugu Association (2010-12) and has been the President of the Indian Forum on British Media since 2015. He was awarded Lord Aldington Banking Research Fellow in 1986.

Howard Anthony Lewis
Board Member
ENTERPRISE RISK OFFICER
Howard Anthony Lewis
Mr. Howard Anthony Lewis has more than 30 years of experience in government services in the areas of security, enterprise risk management, monitoring and reporting risks, regulatory compliance, internal compliance audits, and law enforcement. Mr. Lewis is the former Chief Security Officer of the British Virgin Islands (BVI) Airports Authority in charge of all physical and digital security matters for the BVI airports. He was also the Team Leader of National Risk Assessment tasked with the responsibility for the High-Value Goods Sector. Prior to joining the Bank, Mr. Lewis was a Senior Compliance Examiner at the British Virgin Islands Financial Investigation Agency (FIA) responsible for assessing risks posed by designated non-financial service providers and non-profit organizations. FIA is an autonomous government law enforcement agency responsible for the investigation of white-collar and other serious financial crimes taking place within or from within the BVI. FIA combats money laundering, terrorist financing as well as ensuring international cooperation in the investigation and prosecution of such crimes. As a law enforcement officer, Mr. Lewis was responsible for monitoring, supervising, and carrying out on-site inspections of service providers. Mr. Lewis is a member of the Chartered Management Institute (CMI).

Antonio Kenyatta
CHIEF FINANCIAL OFFICER
CHIEF INVESTMENT OFFICER
Antonio Kenyatta
Mr. Antonio Kenyatta is a U.S. citizen and an accomplished global executive with decades of accounting, audit, investments, Wall Street investment banking, and private equity experience, including nearly 20 years at senior level positions in financial reporting and audits of both private and public companies. While at Goldman Sachs and JP Morgan as an executive investment banker, Mr. Kenyatta deployed financial strategies that empowered clients to accomplish record-breaking deal transactions including advice on capital raises, bridging strategic relationships, mergers and divestitures. After a successful investment banking career, Mr. Kenyatta led senior accounting, audit, and operating roles at several New York-based private equity firms overseeing dozens of worldwide operations. While serving as Vice President of Accounting, Financial Controller with financial reporting responsibilities, meeting deadlines on quarterly and annual regulatory filings with the U.S. Securities and Exchange Commission (SEC), Mr. Kenyatta worked with top-tier corporations such as JPMorgan Chase, Highbridge Capital Management, and GlobeOp Financial Services. Recently, he was a Senior Manager Consultant with Ernest & Young in New York City. At E&Y, Mr. Kenyatta participated in the audits of several multi-billion-dollar public companies. He has a relentless focus on efficient workflow processes to maximize profitability, scalability, and quantum growth, successfully building dynamic teams that repeatedly exceed expectations and performance levels. Born in California, Mr. Kenyatta holds a BA from the University of California, Berkeley. He is trilingual in English, Spanish and Portuguese.

Jourdan Frain
Strategic Advisor
Jourdan Frain
Mr. Jourdan Frain is a U.S. citizen with more than 15 years experience as a senior banking executive on Wall Street and a current New York Stock Exchange Member. Mr. Frain is the former Head of Electronic Equity Broker Dealer Desk at JP Morgan Securities and the current Chief Operating Officer of Rosenblatt Securities, the largest brokerage firm on the floor of the New York Stock Exchange, as well as the Chief Operating Officer of Rosenblatt Global Advisors, a U.S. SEC licensed investment advisor. Mr. Frain has in-depth knowledge of equity market structure, algorithmic trading, and transaction analytics. Prior to his career in finance, Mr. Frain was a paratrooper in the US Army’s 18th Airborne Corps, earned Bronze Star with Valor, and Purple Heart for his heroic actions in combat. Mr. Frain finished his military career with the storied First Troop Philadelphia City Cavalry as an elected Cavalry Officer. Later, Mr. Frain served as a District Representative for a sitting U.S. Congressman in Pennsylvania. Mr. Frain holds undergraduate degrees from Valley Forge Military College, the University of Pennsylvania, and an MBA from Columbia Business School of Columbia University in New York graduating with Dean’s Honors.

Anthony Gajor
Executive Vice President
BOARD MEMBER
Anthony Gajor
Mr. Anthony Gajor is a dual citizen of the United States and St. Kitts & Nevis with nearly a decade of experience in marketing, banking, business development, and corporate finance. He started his career as a successful Benefits Consultant and Licensed Health Insurance Agent at Aflac, one of the largest insurance companies in the United States. He was the former Business Development Manager of a leading St. Kitts & Nevis fintech firm where he oversaw client relationships, business development, and executive management. While in banking, Mr. Gajor provides direct leadership in marketing, corporate finance, and private banking, advising on strategic discussions with global partners while serving a large ultra-high-net-worth clientele. Mr. Gajor is an executive member of the Government Policy Group at Hamilton Reserve Bank advising on legislation and government regulations. Mr. Gajor is a board member of the Nevis Historical and Conservation Society, which is the Trustee of the world-renowned Alexander Hamilton Museum. He is also a board member of Fintech Bank Ltd, a duly licensed commercial bank headquartered in Malaysia. Mr. Gajor’s board position was fully approved by the Malaysian banking regulators. Mr. Gajor graduated from the University of New Haven with a Bachelor of Science degree in Business Management and a minor in Accounting. Mr. Gajor is also a Chartered Director.

Ghassan Nasr
Managing Director
Head of International Markets
Ghassan Nasr
Mr. Nasr is a senior financier and a British citizen with more than 30 years of engagements with corporate boards, senior executives, and client strategic partners operating around the world, in particular, across the UK, Eastern Europe, the Middle East, and Africa. An astute and renowned business developer of multi-currency accounts and investment portfolios, Mr. Nasr has sourced, onboarded, and developed partnerships with high-net-worth (HNW) individuals, private banking, and corporate clients. Mr. Nasr's clients are represented in several industries: global-reach banking corporations and organisations in sectors including fintech, blockchain/exchange/cryptocurrency, e-commerce, retail, and corporate payments, real-time payment architectures, mortgage and debt management, and property development. Mr. Nasr has also collaborated extensively with governments, diplomatic missions, the World Bank, IMF, EBRD, DFID, and other multi-party agencies. Mr. Nasr holds an MA in International Relations and Diplomacy, and an MA in Management and Finance, both from renowned U.K. universities.

Fayola Olugbala
General Counsel
Chief Compliance Officer
Fayola Olugbala
Ms. Fayola Olugbala has extensive legal and regulatory experience in the financial services industry. Prior to joining the Bank, Ms. Olugbala was the official government registrar in charge of advising and approving the registration of international entities in Nevis. She was also a senior member of the Nevis Financial Services Regulatory Commission, Regulation and Supervision Department (NFSRC), the highest level of government regulatory body overseeing the financial services industry in Nevis. While at NFSRC, Ms. Olugbala played an active leadership and supportive role in regulatory and enforcement activities. Prior to her services as the official government Registrar assisting with the development of governmental, supervisory and regulatory policies affecting regulated entities, she advised clients for seven years at SKNA National Bank Ltd. Ms. Olugbala holds a Bachelor of Laws degree [LL.B (Hons)] from the University of Huddersfield (UK) and graduated with distinction from the Norman Manley Law School in Jamaica, where she earned a Legal Education Certificate of Merit. She is a Certified Anti-Money Laundering Specialist (CAMS) and a member of the Bar Association of St. Christopher and Nevis. Ms. Olugbala is also a Notary Public and a Chartered Director (C.Dir).

SEBASTIAN AMBROSE
Deputy General Counsel
SENIOR RISK OFFICER
SEBASTIAN AMBROSE
Mr. Sebastian Ambrose is a U.S. citizen and a skilled litigation and regulatory compliance attorney whose extensive legal expertise spans securities, employment, complex commercial law, international arbitration, and antitrust disputes. While at Columbia Law School, Mr. Ambrose externed for chief judge Robert Katzmann of the United States Court of Appeals for the Second Circuit in New York and Sonia Sotomayor (sitting U.S. Supreme Court Justice. He started his distinguished legal career as a litigation attorney with the large global law firm Williams & Connolly LLP, based in Washington D.C. where he advised global banks and other international companies in matters arising from the 2008 financial crisis. Mr. Ambrose was later recruited by the renowned litigation law firm Quinn Emanuel in New York to advise clients on various multi-billion-dollar disputes as well as complex regulatory, compliance, insurance, employment, and antitrust cases. Mr. Ambrose graduated from Columbia Law School of Columbia University in New York with a Juris Doctor degree where he was awarded a Harlan Fiske Stone and James Kent Scholar. Mr. Ambrose speaks 5 languages.

ALBERT RODRIGUEZ
CHIEF RISK OFFICER
ALBERT RODRIGUEZ
Mr. Albert Rodriguez is a U.S. citizen and a Certified Anti-Money Laundering Specialist (CAMS). He has served as a senior compliance and risk banking executive for more than 25 years in the areas of banking operations, BSA/AML/KYC and consumer compliance, compliance policy development, system controls, and risk mitigation software implementation that have mitigated enterprise risk, enhanced customer service, and increased organizational efficiency.
Throughout his career, he has assisted various financial institutions located in the United States and from around the world including international banks, regional banks, community banks, mortgage banks, money services businesses, and fintech firms.
Mr. Rodriguez began his career in his early 20s as a Mortgage Banker and quickly expanded his role into operations, enterprise risk, and regulatory compliance. As a senior compliance and risk executive at a large Miami-based bank, Mr. Rodriguez developed training programs and curricula for risk and compliance issues, published several articles on the subjects of AML and banking operations.
Mr. Rodriguez has a bachelor’s degree in business communications from Florida International University.

Terence Craig, CAMS
LEGAL COUNSEL, SENIOR RISK OFFICER
Terence Craig, CAMS
Terence Craig is an attorney, a seasoned risk manager, an energy industry expert, and a Certified Anti-Money Laundering Specialist (CAMS) . He is the former Ambassador to the Country Offices of Grenada and St. Kitts and Nevis for the Organization of American States (OAS), the world’s oldest regional organization, headquartered in Washington D.C. Ambassador Craig is the former Head of the Americas Division and Member of the Cabinet of the Minister for Foreign Affairs of the Republic of Suriname responsible for planning and execution of foreign policies in the Western Hemisphere. While serving as the CARICOM Coordinator in the late 1990s, Ambassador Craig represented the Government of Suriname in the implementation of the CARICOM SINGLE MARKET and ECONOMY (CSM&E). As an attorney, Ambassador Craig holds an LLB and LLM from Anton de Kom University of Suriname. He also has a postgraduate degree in International, Oil Gas and Energy Law from the London Metropolitan University. He is an alumnus of the Institute for Social Studies, The Hague, Netherlands. Ambassador Craig speaks 5 languages: Dutch, English, Spanish, Portuguese, and German.

Terri Cayll
DEPUTY CHIEF COMPLIANCE OFFICER
Terri Cayll
Ms. Terri Cayll is a U.S. citizen and a senior risk and compliance executive with more than 30 years of experience in the U.S. banking industry, having served in leadership roles across banking system operational management, U.S. domestic banking operations, branch operations, risk, and compliance - BSA/AML/OFAC, currency reporting, e-banking, transaction monitoring, risk mitigation, and Money Transmitter License deployments.
Ms. Cayll began her banking career within the Operations Division of a large Florida-based bank, gradually advancing her knowledge and skills across various departments. Since the early 1990s, Ms. Cayll has held various executive positions at several leading Miami-based banks: Assistant Branch Manager at JP Morgan Chase’s Coral Gables branch in Florida; a supervisor of Bank of America (formerly NationsBank)’s currency reporting and electronic banking units; a senior compliance leader with Florida-based Ocean Bank, Community Bank of Florida, Gulf Bank, and TotalBank in charge of BSA/AML monitoring, Risk Management, SAR reporting, High-Risk/Quality Control reviews, new customer onboarding, and AML monitoring for nationwide deployment of mobile applications for financial institutions.
She also holds multiple banking industry certifications including FIBA-FIU Anti Money Laundering Certified Associate Certification(AMLCA) and American Institute of Banking, Total Quality Management.

TIMMY HAYS
MANAGER, CORPORATE COMMUNICATIONS
TIMMY HAYS
Ms. Timmy Hays is a U.S. citizen with broad experience in marketing strategy and brand building. At Hamilton Reserve Bank, she collaborates with the bank's global business development and private banking team, overseeing content creation and lead generation from around the world. Prior to Hamilton Reserve Bank, Ms. Hays worked closely with private sector entertainment companies in the U.S. helping to define their social media campaigns. Previously, Ms. Hays was an adjunct professor at St. Catherine University and a professional Broadway actress performing worldwide with Broadway touring companies. She was born in Minneapolis, Minnesota USA, and is based in New York City covering the Bank’s worldwide initiatives.

Sam B. P. Yee
Strategic Advisor
Sam B. P. Yee
Mr. Sam B. P. Yee is a U.S. citizen and former Executive Senior Vice President of global investment bank Lehman Brothers specializing in emerging markets. He is the Chairman of New Sunshine Investments, Pvt Ltd as well as Vice Chairman, Earth Foods Lanka Pvt Ltd. He is also an advisor to China State Construction Pvt Ltd. Based in Malaysia, USA, and Sri Lanka, Mr. Yee advises Hamilton Reserve Bank on capital markets, investment banking, strategic business development, and government relations. He has an MBA from Thunderbird School of Global Management, USA.

Kevin Nisbett
Supervisory Security Administrator
Kevin Nisbett
Mr. Kevin Nisbett is a U.S. and St. Kitts & Nevis citizen, and a seasoned security professional with an accomplished career that spans nearly two decades in the fields of risk management, intelligence gathering and public security. His professional development began at the St. Christopher Air & Sea Port Authority where he was a Port Corporal and a member of the Port Police/Enforcement Unit. In the ensuing years in public service, Mr. Nisbett collaborated with international law enforcement agencies such as the Royal St. Christopher and Nevis Police Department, United States Coast Guard, United States Customs and Border Protection Agency as well as other international agencies on weapons training, white-collar crime investigations, drone surveillance, cybersecurity, and law enforcement.

Adrian Joseph
Manager, Cyber Security
Adrian Joseph
Mr. Adrian Joseph has nearly a decade of experience in information technology, specialized in cybersecurity. Prior to joining Nevis International Bank & Trust, Mr. Joseph was a commissioned police officer and data security specialist with the Royal St. Christopher and Nevis Police Force. He is also a former digital security specialist in Nevis serving both public and private sectors including the Nevis government (NIA) and various trust companies. Mr. Joseph oversaw the architectural design, sourcing, and implementation of software and hardware deployment of LAN, WAN, and WLAN networks, digital security, and electronic surveillance platforms ensuring system integrity and data security. While in the police force, Mr. Joseph was involved in various surveillance assignments with police investigations.

Renesha Hobson
Supervisor, Trust & Escrow Services
Renesha Hobson
Ms. Renesha Hobson is a St. Kitts and Nevis citizen with more than a decade of experience in customer service, law, marketing, merchandising, and operations control. She began her career as a legal assistant at a leading St. Kitts law firm where she garnered extensive experience in criminal and civil law, supporting lawyers and assisting clients in a fast-paced environment. Her exceptional organizational capabilities and dedication to services gained accolades among clients and attorneys. She was recruited by a leading St. Kitts & Nevis-based merchandising company to head its Purchasing Department in Nevis, overseeing inventory levels for tens of thousands of product types. While in banking and leading Hamilton Reserve Bank’s Trust & Escrow department, Ms. Hobson serves lawyers, businesses, trustees, bankers, real estate developers and agents, efficiently delivering results daily for a demanding global clientele. Under her leadership, the Bank is the No. 1 Escrow Agent bank in the country with a 75%+ market share for the renowned St. Kitts & Nevis Citizenship by Investment Program (CBI).

Oksana Williams
Supervisor, Private Banking
Oksana Williams
Ms. Oksana Williams is a dual citizen of the United States and St. Kitts & Nevis. She has more than a decade of executive experience in marketing, branding, and public relations, having served a broad range of corporate and government clientele as a marketing expert. She started her professional career as a marketing consultant and event planning executive in the Office of the Premier in Nevis. While in government service, Ms. Williams advised many tourism events where she led the collaboration of multi-government agency efforts on branding and service development for the benefit of the country.

Anthea Walcott
Supervisor, Private Banking
Anthea Walcott
Ms. Anthea Walcott is a resident of Nevis with more than a decade of experience in marketing and client support. After completing her studies in Business, Economics, and Law, Ms. Walcott began her career as a real estate marketing executive for a leading real estate developer where she demonstrated exceptional capabilities in successfully executing several marketing initiatives. Ms. Walcott is a key member of the Bank’s premier private banking team, which offers a suite of white-glove services to a large and rapidly expanding group of ultra-high-net-worth clientele worldwide.

Cleon Tota
Trust Administrative Officer
Cleon Tota
Mr. Cleon Tota is a resident of Nevis and the United States. He has over 20 years of experience in sales, marketing, and financial services across multiple service segments including bank trust and escrow, financial planning, trust administration, client support, private banking, and asset management. While in the United States, Mr. Tota worked in the shipping and logistics industry for more than a decade. He started his tenure at Hamilton Reserve Bank in the Bank’s Private Banking group where he was soon promoted to the position of Trust Administrative Officer, leading the Bank’s estate planning, asset protection, family office formation, fund custodian, trust administration, institutional trustee, and institutional directorship services. Under his leadership, the Bank’s Institutional trust business has experienced exponential growth, offering services to a large network of select customers from around the world.

Alisha Carrette
Supervisory Compliance Officer
Correspondent Banking
Alisha Carrette
Ms. Alisha Carrette is a resident of Nevis and a dual citizen of Antigua and Barbuda and Dominica. She started her professional career as a meteorologist with the Dominica Meteorological Service, tasked with the safe takeoff and landing of aircraft and compiling synoptic reports for worldwide data management. Ms. Carrette then transitioned into banking and continued her career at the Royal Bank of Canada (RBTT) as a Financial Solutions Associate where she coordinated various departmental efforts to improve services in customer support, marketing, new product development, cash management, and SWIFT bank wires. She was recruited by Hamilton Reserve Bank as a Senior Client Support Officer, overseeing customer relations, wires, new account opening, and correspondent banking compliance. Ms. Carrette studied at the University of the West Indies in Human Resource Management as well as sales and Marketing. She is also a meteorological technician certified by the World Meteorological Organization.

Kevonie Richards
Supervisory Compliance Officer
Internal Audit
Kevonie Richards
Ms. Kevonie Richards is a citizen of St. Kitts and Nevis with more than a decade of experience in banking and operations management. She started her professional career as a client support officer at the Bank of Nova Scotia where she actively participated in management and leadership training programs funded by the bank. While in banking, Ms. Richards spearheaded several team-building and service-oriented programs to enhance the quality of the bank’s customer service initiatives. Her meticulous customer service skills earned her many accolades amongst her peers, including earning the title of “Best of the Best” for her exceptional customer service capabilities. After nearly a decade in banking, Ms. Richards was recruited by a leading Nevis-based industrial conglomerate to serve as its Operations Manager overseeing accounting, budgeting, personnel, pricing, and cost management. While at Hamilton Reserve Bank, Ms. Richards has worked in various departments across the fields of Operations, Research, Accounting, Trust & Escrow, Regulatory Compliance, and Internal Audit.

Wendy Tay-Yee
Strategic Advisor
Wendy Tay-Yee
Ms. Wendy Tay-Yee is a U.S. citizen, the president of CDS Group Inc, and Vice Chairman of W International Investment Pvt Ltd (HK). She has nearly 30 years of business transaction experience around the world. Based in Malaysia, USA, and Sri Lanka. Ms. Tay-Yee advises Hamilton Reserve Bank and its affiliates on banking, market expansion, and strategic development initiatives.

Sheeba Radhakrishnan
Regional Relationship Manager
Sheeba Radhakrishnan
Ms. Sheeba Radhakrishnan is a Regional Relationship Manager with Hamilton Reserve Bank Ltd (DWTCA) Branch in Dubai, UAE. Ms. Radhakrishnan has more than 20 years of experience in general management, marketing and branding, and human resources management in the oil & gas, civil engineering, and financial services sectors. She has an Executive MBA in Human Resources and Administration from the Government of India/British Council and a Bachelor of Arts degree in Literature from the University of Calicut, India. Ms. Radhakrishnan speaks multiple languages.

Sandeep George
Regional Relationship Manager
Sandeep George
Mr. Sandeep George is a seasoned banker and a Regional Relationship Manager with Hamilton Reserve Bank Ltd (DWTCA) Branch in Dubai, UAE. He is a Certified Internal Auditor from the Institute of Internal Auditors, based in Dubai. Mr. George brings more than 20 years of senior banking experience across sales, marketing, correspondent banking, operations, operational risk management, customer support, and branch banking with several major banks in the Middle East. Mr. George has a Master of Science degree in Business Information Technology from Middlesex University in London; a Post Graduate Diploma in Sales & Marketing Management from National Institute of Sales, India; and a bachelor’s degree in Business Management from Mangalore University, India. Mr. George speaks several languages.

RONILIA JULES
Relationship Manager, Private Banking
RONILIA JULES
Ms. Ronilia Jules is a bilingual speaker of French and English. She has considerable experience in the areas of operations management, customer service, and marketing. Ms. Jules commenced her professional career as an administrative assistant for the Government of Dominica serving in the Ministry of Social Services, Family & Gender Affairs. While in public service, Ms. Jules demonstrated her exceptional abilities and potential in providing care and counseling to citizens and staff of the Welfare Division and the Women's Bureau. Prior to moving to Saint Kitts & Nevis and joining the bank as a client support executive, she led a team of co-workers in Dominica and diligently fulfilled her duties as a public servant. As a Relationship Manager within Hamilton Reserve Bank’s Private Banking Group, Ms. Jules serves a distinguished list of successful families and institutional customers.

AKINNIA GLASGOW
Relationship Manager, Private Banking
AKINNIA GLASGOW
Ms. Akinnia Glasgow is a dual citizen of Dominica and St. Kitts and Nevis. Prior to banking, she gained broad experience in the shipping and telecommunication industries in the areas of customer care, marketing, and operations management. Ms. Glasgow began her professional career as a client support executive with Cable & Wireless, a leading telecommunications and content provider in the Americas. She then joined the shipping industry where she served clients in various leadership positions. Ms. Glasgow is a key member of the bank’s Private Banking group and brings her unique insights across customer care, marketing, and operational efficiency to further enhance the quality and care given to the bank’s ultra-high-net-worth clientele from many countries. Ms. Glasgow is bilingual in French and English. She is based in Nevis.