JAMES LAM is widely recognized as the first ever Chief RiskOfficer and a pioneer in the field of enterprise risk management. Ina Euromoney survey, Mr. Lam was nominated by clients and peers as oneof the worlds leading risk consultants. He currently serves asPresident of James Lam Associates and Director and Chairman, RiskOversight Committee of E*TRADE Financial. Previously, he heldpositions including Partner of Oliver Wyman, Founder and President ofERisk, Chief Risk Officer of Fidelity Investments, and Chief RiskOfficer of GE Capital Markets Services, Inc. In 1997, Mr. Lam received the inaugural Risk Manager of the Year Award from the Global Association of Risk Professionals. Treasury Risk magazine named him one of the 100 Most Influential People in Finance in 2005, 2006, and 2008.