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I have recently lodged my PhD (finance) thesis with the University of Western Sydney, and expect to receive the examiner report in a few months’ time. I also had a teaching appointment (part-time) with the University. In 1996, I completed my MA (specializing in finance) with distinction. I then took up an appointment in the banking industry. During my ten years of working for a commercial bank, I served in diverse roles, from retail banking to money market analyst to head of finance. I have also completed a 1st class Bachelor of Science degree from Pakistan.