Mark T. Williams is a risk-management practitioner, academic and financial author with three decades of experience. His expertise includes risk management in banks, hedge funds, energy trading and utility companies. Specific focus areas include Fed monetary policy; corporate governance; business ethics; banking trading fraud and compensation practices; fraud detection and prevention, pension investments and return assessment; energy commodities risk measurement and precious metals trading. Current research has focused on financial literacy, financial inclusion and Fintech, including virtual currencies and blockchain.