Jack Leach is a Consulting Partner within Wipro’s Global Domain and Consulting practice focused on Commercial and Small Business banking. He is a seasoned banking and financial services executive as both a banker and management consultant focusing on lending, operations, credit and operational risk, business continuity and recovery, compliance management, revenue enhancement, cost reduction, process improvement and automation. He wishes to acknowledge the following additional contributors to this article: Awhan Mohanty, Oded Shoshany, and Shri Dhar.