Tarsem Bhogal has been Principal of the Staff Training Centre, Association of Indian Banks in the UK from 1990 to August 2006. Earlier, he had been a senior faculty of an International Bank’s Regional Staff Training and Development Centre in London. Bhogal set up a Regional Staff Training Centre of a public sector bank in northern India. He has been a practical banker who managed banking operations in Kenya, India and the United Kingdom, starting his banking career with The Standard Bank Limited, Nairobi, Kenya. Bhogal is a Fellow of The Institute of Financial Accountants, Fellow of the Institute of Public Accountants, Member of Chartered Management Institute and member of the Chartered Institute of Banker (now The London Institute of Banking and Finance). He is a member of the Standing Advisory Committee on Religious Education.    Arun Trivedi is a banker, researcher, writer, reviewer and academic. Presently he isengaged as a business design consultant and a corporate governance coach in West Africa, Asia, Canada, Europe and the Middle East for Human Capital formation organising business seminars, modular courses, mock-drills covering the behavioural sciences and providing functional knowledge in areas such as trade finance and risk management, foreign exchange, international banking, corporate governance and ethics and value system. Arun has authored books on foreign exchange and risk management, credit risk management, international trade finance and behavioural science. Arun is a member of the London Press Club and has received notable awards including Fellowship of the Indian Institute of Banking & Finance (IIBF), Chartered Fellowship of Chartered Institute for Securities and Investments (Chartered FCSI), Life Member, Indian Society for Training and Development and an award for services in “Banking and Finance Management” from the International Biographical Centre, Cambridge, England.