John M. Howard ACA, CFA – A Chartered Accountant and CFA® Charterholder, John is President and CIO of Summit Asset Management. He is focused on serving the investment needs of its HNW and institutional clients. John previously served as President of Summit International Bank from its inception in 2006. He is a former Finance Director with Barrick International Bank Corp., the global treasury operation for Barrick Gold, and a former Vice President, Business Advisory Services with PwC. John is also a director and chairs the audit committee of one the largest mutual funds in the Caribbean.