Title Chief Technology Officer Company Morgan Stanley Bio Tsvi Gal is CTO at Morgan Stanley, where he is responsible for constructing an industry leading, evolutionary architecture that is competitively positioned both on the buy side (asset management) and on the sell side (investment banking) for future growth through innovation, processing scale, and efficiency. Before his position at Morgan Stanley, Gal was Chief Technology Officer and a managing director for Deutsche Bank Capital Markets. Previously, he was Chief Information Officer at Time Warner Music Group (WMG). Under Gal’s leadership, WMG introduced mobile ring tones to the USA and was the first partner of Apple's iTunes/iPod drive. He also led the transformation of WMG's web assets into a full fledge eCommerce site with over 14 million unique users. From 1999 to 2002, Gal was the President & Chief Operating Officer of ATT.com. In this position he was responsible for AT&T's eBusiness and eCommerce activities. Gal also led the global sourcing and vendor management effort for all of AT&T – resulting in a net savings of $145M per annum. Starting his IT career in the Israeli army in 1976, Gal served in executive management roles as CIO & CTO at Merrill Lynch (heading global infrastructure), Wells Fargo (heading investment banking, global infrastructure and the on-line bank), ABN AMRO Bank (CIO of North America), and Bank of America (CTO and head of Infrastructure and Capital Markets). From 1996 to 2001 Gal served on the USA technology delegation to the G7 conference of leading economy nations. He is credited with developing the first Internet bank while at Wells Fargo Bank and initiating the first major brokerage on-line trading system at Merrill Lynch. As a result of these achievements and others, he was presented with the 2001 Einstein Award for achievements in Science and Technology by the State of Israel President, Moshe Katzav. Gal is a Computer Science graduate of Rutgers University and holds an MBA form Golden Gate University. He is the author of Distributed Computing Management and is on the Board of Directors at Expand, Cardean University, MobileSec, Dati, and also serves as an advisor to Rutgers University president.