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Dr. Kenneth Gustin, Ph.D., is the Founder, CEO, and President of Independent Research and Risk Advisory LLC in Saint Petersburg, FL, since June 2012, offering expertise in a wide range of areas including risk management, corporate finance, and fintech. With experience as a Senior Advisor and subject matter expert across various platforms, Dr. Gustin has consulted on topics such as Basel Transition, FRTB, CCAR, and structured finance, while also engaging in speaking engagements and advisory roles for multiple organizations including Dialectica, GLG, and Infopro Digital. Dr. Gustin holds a Ph.D. in Chemical Physics from Harvard University, complemented by a diverse educational background in physics, mathematics, and chemistry from notable institutions.