Ending Over-Lending


Author Bio: Bruce A. Ramsay

Bruce Ramsay is a successful entrepreneur and financier with 20 years investment banking experience in Canadian capital markets. This financial background together with his experience working in and observing the government sector, has lead Bruce to a strong life-long interest in monetary economics. Within this field of study, Bruce’s specific efforts include the development of novel approaches to understanding and predicting financial crises. Currently based in British Columbia and the Netherlands, Bruce is engaged full time as the driving force behind Ending Over-Lending, a research and publishing initiative focused on the financial stability of nations and their financial sectors.

2015: Co-Author, European Central Bank Working Paper # 1769, Macroprudential Research Network, published March 2015 under ISBN 978-92-899-1582-3. Available at ssrn.com/abstract=2585412.

Co-Executive Producer, The Search For Freedom, an award winning feature length documentary film (www.thesearchforfreedom.com).

2014: Co-Author, Bank of Finland Research Discussion Paper # 11 - 2014 published February 2014 under ISBN 978-952-6699-79-0.

2013: Established research affiliation with RiskLab, Finland (risklab.fi).

Attended 12 academic and policy-maker conferences in Europe focused primarily on the causes and characteristics of financial crises. Presented the Debt-to-Cash Flow thesis at 8 of these conferences, gaining valuable feedback, suggestions, and constructive criticism.

 Author, Ending Over-Lending, published October 2011 under ISBN 978-0-9878197-0-3.

2004 – 2010:
 Independent researcher, interest in monetary economics. Under took baseline research, developed and tested novel approaches for the study of financial instability.

1995 – 2003:
 Founder, Acumen Capital Partners, a technology and advanced manufacturing focused boutique investment dealer. Chairman, and various management roles thru eight successful years. Equity financing, merger-acquisition, fairness opinion and advisory assignments. Sat on numerous investment industry and stock exchange committees and boards. Divested controlling interest in 2003. The firm continues to operate as an independent firm (www.acumencapital.com).

1984 – 1995: 
Investment Banking in Canadian capital markets (based in Calgary, Alberta), originally with Nesbitt Thomson, and later HSBC James Capel. During 1990 – 1993, was ‘house spouse’ with independent corporate finance consulting practice.

1985: Fellow of the Canadian Securities Institute.

1984: MBA, Wharton School, University of Pennsylvania, Philadelphia, PA.

1980 – 1982: Executive Assistant to Provincial Cabinet Minister, Edmonton, AB.

1979: President, Students’ Union, University of Calgary.

1979: Bachelor of Arts in Political Science, University of Calgary.

Upbringing: Nelson, British Columbia, Canada.

Bruce A Ramsay

Read more about Bruce A. Ramsay and Ending Over-Lending
in a 2013 article in the Nelson Daily, by Suzy Hamilton