Rosemary Kelley is a Senior Managing Director and head of the Consumer ABS group at Kroll Bond Rating Agency. Kelley has been at KBRA since 2011 and focuses primarily on consumer ABS including auto loan, auto lease, dealer floorplan, credit card, consumer loan, student loan, and timeshare sectors. Prior to joining KBRA, Kelley was a Senior Vice President at DBRS, Inc. focusing on consumer ABS. Before DBRS, she spent ten years at MBIA Insurance Corporation, most recently as a Director in the structured finance department. She had previously managed MBIA's portfolio management unit responsible for monitoring and workouts in consumer ABS. Rosemary has a BA from Manhattanville College and an MBA from Columbia University Graduate School of Business.