Dr John Chibaya Mbuya graduated from De Montfort University (UK) with an MBA and a PhD in Holistic Risk Management from University of Johannesburg. He is a seasoned corporate banker, University Professor in Dubai, part-time HIV /AIDS counsellor in Gauteng South Africa, Women and Child Abuse activist in African and the Middle East. John has performed many varied roles ranging from financial accountant to risk management. As well as having considerable practical experience he is also a member of various institutions and an advisory committee member of many financial institutions in Southern Africa. He is the Executive Director of Ascendancy Risk Management, a training company in South Africa and Managing Director of International Risk Management in Dubai. Dr John Chibaya Mbuya is global player, an international authority, author turnaround specialist, strategist, and lecturer in risk management financial management and strategic management and is regarded as having pioneered many of the systems, procedures and training programmes which companies can put into place to handle the risk aspects of their businesses. He specializes in helping ailing businesses to recover through comprehensive turnaround strategies. Dr John has written and published over 40 books and these can be found on www.amazon.com