Neal Harm is the Deputy Secretary General at FCI (fci.nl), the Global Representative Body for Factoring and Financing of Open Account Domestic and International Trade Receivables. He has over 30 years of experience in working capital finance, having successfully led and managed complex and large commercial finance, international, and payments businesses at leading US Banks.

Neal is a graduate of Lenoir Rhyne University in North Carolina, USA where he joined Wachovia’s Leadership Management Development Program. At Wachovia (now Wells Fargo) he started his career in the Asset Based Lending division as a collateral analyst. This role led to his interest in working capital-based finance.

Neal later joined Bank of America’s factoring division taking on various leadership roles. He was responsible for all aspects of business operations to include client experience, partnerships with financial institutions, and product development ultimately becoming the President of Business Finance in 1999.

In 2005, he joined BB&T (now Truist) leading to his role as President of the bank’s international banking division to include Trade, FX, Factoring, and Correspondent Banking. While at BB&T, he was a member of FCI’s Business and IT Committee, serving as its Chairman from 2008 to 2012. He later became a member of FCI’s Executive Committee to include a role as Vice Chairman.