Verified Certificate

Supported by the following organizations

This is to certify that Yoichi Kaneda Torres successfully completed and received a passing grade in FIN403x: Financial Institutions and Markets a course of study offered by MichiganX, an online learning initiative of the University of Michigan.

Noted by

Amiyatosh Purnanandam

Amiyatosh Purnanandam

Professor of Finance University of Michigan

Gautam Kaul

Gautam Kaul

Professor of Finance & Fred M. Taylor Professor of Business Administration University of Michigan