Joseph Higgins is a managing director and fixed income portfolio manager for the TIAA organization. Mr. Higgins is the lead portfolio manager and responsible for asset allocation for several of the organization's bond funds and accounts. Previously, he managed structured credit investments and was an investment grade portfolio manager. In addition, he has served in various capacities at the organization including director of private placements, international bank analyst, international investment grade portfolio manager and co-head of corporate credit research. Mr. Higgins initiated the first securitization and co-developed the first collateralized debt obligation (CDO) for TIAA. He joined the TIAA organization in 1995.Mr. Higgins has 19 years of investment experience. He was previously a certified public accountant with PricewaterhouseCoopers.Mr. Higgins holds a B.S. in accounting with a minor in economics from The State University of New York at Albany, magna cum laude, and an M.B.A. from The Wharton School of the University of Pennsylvania with dual concentrations in finance and marketing. He is a member of the New York State Society of Securities Analysts and the CFA Institute. He was also a founding member of the User Advisory Council of the Financial Accounting Standards Board (FASB).