Michael Kammas is since January 2006 the Director General of the Association of Cyprus Banks, a Member of the Executive Committee of the European Banking Federation (EBF), Brussels and a Member of the General Assembly of the European Money Markets Institute (EMMI). Since May 20017 he is also the Chair of the Audit, Budget, and Risk Committee of the EBF. He has been active in academic and professional education, both in Cyprus and in the US. Michael holds a BA Economics and an MA Economics, from Roosevelt University in Chicago, Illinois, USA and a PhD in Economics from the University of Utah, Salt Lake City, Utah, USA.