Pardeep Kumar, a post-graduate in Physics from St. Stephen’s College (New Delhi), among the top two colleges in India, is a versatile professional with work experience of nearly four decades. The author had served the State Bank of India, HDFC Bank, an Off-shore Bank (Risk Management & Compliance), Financial Services company, reputed IT majors such as the Fidelity Information Services and Wipro Technologies & MFX Infotech and D2K Technologies which are rapidly growing mid-sized companies. He served the banks in various capacities and as a Senior Banking Domain Consultant across the continents in the IT Industry with the leading global banks as the clients. Overall, the author has an extensive exposure to all the areas of Banking & Finance, Risk Management & Compliance, and creation of the Software Specification Requirement Documents & User Manuals and Software Testing. He has also trained the MBA students on the subjects of banking and finance as a Guest Faculty in the leading B-Schools. In a nutshell, the author brings a unique dimension and value to the book due to his abundant and all-round experience, knowledge and business acumen in the BFSI & IT sectors and the flair to communicate in style with substance.