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Susiku Akapelwa is an economist and fi nancial analyst with over 15 year's global experience in the fi nancial sector. His expertise is in Credit Lending, Risk Management, Business Process Management, Enterprise Solution Development and Mortgage Banking. He has previously worked for Ocwen Federal Bank, Asset Management Outsourcing and is currently with American Express Company. Mr. Akapelwa is also an entrepreneur and consultant in North America and Southern Africa. He is author of "International Management" published by Booksurge/Amazon in 2005. He received his undergraduate & graduate education from Slippery Rock University of Pennsylvania & Troy University. He holds degrees in economics, business administration and international management.