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Dr. Keith Blacker is an expert in risk management with nearly thirty years' experience having published many articles in academic and practitioner journals. A former lecturer at Henley Management College he has also consulted to a range of major banking and insurance companies in the UK, Europe and Africa including Lloyds TSB, Bank of Scotland and Santander. He was previously the CFO of a $500m turnover health insurance business and currently serves as non-executive director to a number of organisations.