Bill Wilt joined Morgan Stanley in 2002 to cover the property/casualty insurance industry. He previously was a senior credit officer at Moody's Investors Service where he also followed the property/casualty sector. Before joining Moody's, Bill was a director of actuarial consulting at Coopers & Lybrand and an actuarial analyst at a major reinsurance company. Bill is a Fellow of the Casualty Actuarial Society and holds an MBA from New York University with concentrations in accounting and finance. He also holds the Chartered Financial Analyst designation.