James T. Gleason, currently with IBM Consulting, has been a risk management consultant for more than fifteen years at firms that include Coopers & Lybrand and Arthur Andersen & Co. He has worked as an independent consultant to help implement risk management solutions at Citicorp, First National Bank of Chicago, ING-Barings (Netherlands), Rabobank (Netherlands), and other large companies. A contributor to Risk magazine, he resides in Darien, Connecticut.