We are pleased to have Brian Warren, the Director of Risk Management for Microsoft Corporation, join us as our newest Founding Expert and our first member formally in the discipline of risk management. Brian has worked in risk and credit analysis and management for 24 years, primarily in Redmond, but also in Ireland. Before his risk management career at Microsoft, Brian served as an officer in field artillery in the United States Army, in Civil Affairs with the Army Reserve, and as a financial analyst for Allstate Insurance Company. Brian holds an AB degree in Economics from Princeton University.