Donald Baillie completed both his Master’s degree and his Doctorate in Vienna. He is also certified as a Risk Manager (GARP FRM), Analytics Professional (INFORMS CAP), Business Analyst (IIBA CBAP), Project Manager (PMI PMP), as well as a stock and options trader (Vienna Stock Exchange). Dr. Baillie has more than 20 years of experience working internationally in Banking and Finance, and is currently Managing Director of the international consulting company ifb AG, active in Finance, Risk Management and other Banking and IT topics. He has taught extensively at various universities in Austria for the past 15 years and was awarded the title of FH-Dozent for his services to academia. His publications have been in the field of banking, corporate finance, derivatives and behavioral finance.