Taiwo Olupeka: one of our external consultants, is a First Class graduate of University of Ilorin, Nigeria. He holds a Master of Science Degree in Quantitative Finance and Financial Engineering from the prestigious Manchester Business School, University of Manchester, United Kingdom. An Associate member of the Institute of Chartered Accountant of Nigeria and Chartered Institute of Taxation of Nigeria, Taiwo has over 15 years work experience in Financial Services and the Banking Industry. He has worked in a number of reputable Financial Institutions and at different capacities.  He was a Special Assistant to the Group Managing Director of a foremost Banking Institution in Nigeria. He has also worked as Business Development Manager, Operations Manager and he was one time the Financial Controller of an Insurance firm. He currently heads the Operational Risk Management desk in a Banking Institution. Taiwo research work on the 'Pricing and Momentum of Syndicated Credits in Europe' was published in the International Journal of management Sciences in 2009.