Craig A. Colclough is a credit risk assessment specialist residing in London, England. Mr. Colclough received his education from the Institute of Credit Management in the United Kingdom and from the Global Association of Risk Professionals, where he is a current member. Mr. Colclough was employed at the Fair Isaac Corporation in London until August 2008. At Fair Isaac, Mr. Colclough worked both in solution design and delivery in Basel II fields on projects in China and the Middle East, and business improvement projects around risk in both SE Europe and Turkey. His position required him to work with both bank employees and clients to offer compliance and risk management guidance to both parties. Craig A. Colclough has contracted for numerous banks throughout the United Kingdom and Europe, including EuroConex, ING Group, Skipton BS, and GE Money. He has also worked for Halifax PLC as a Credit Risk Manager. When Craig is not working, he has many personal hobbies to which he dedicates his time. A fan of self-improvement, Mr. Colclough enjoys keeping fit through exercise and hiking expeditions and donates to a charity that is close to his heart on a regular basis. In the interests of self-improvement, Craig Colclough is currently enrolled at the University of Portsmouth MSc Risk Management program as a precursor to continuing academic pursuit in both the taught field and achieving independent recognition for research work that he has been involved in and continues to perform.