Leonard Matz is an author, consultant, and bank trainer specializing in investments, risk management, and ALM for financial institutions. Previously, he spent five years as a bank examiner and fifteen years in various bank management positions. Mr. Matz is the author or co-author of numerous risk management and investment books, including Risk Management for Banks, Liquidity Risk Management, Interest Rate Risk Management and Self-Paced Asset/Liability Management Training. He was chairman of the Risk Conferences on Liquidity in 1999 and 2002, has lectured at the Graduate School of Banking at Madison, Wisconsin, and has been a member of the National Asset/Liability Association since 1989.