I have 20 years of experience, and specialize in the field of finance with specific knowledge in the areas of commercial banks, securities exchanges, and investment banks. I have published on such topics as bank risk management, market microstructure, and international financial institutions. I have conducted several empirical analyses related to various issues in market microstructure, financial institution management, international finance, risk management, cost of capital estimation, and interest rate determination. I serve on the editorial boards of two academic journals. I hold the Chartered Financial Analyst (CFAÂ®) designation and have experience both in commercial lending activities and in investment valuation analysis at a financial consulting firm.