Craig Woker manages QRMs Funds Transfer Pricing & Profitability Practice. He assists all QRM clients with an FTP engagement to assess the profitability of products divisions and business units as well as with forecasting net interest margin in planning and stress testing. Before heading the FTP practice he managed QRMs Americas Client Management Team providing consulting and support in the areas of asset-liability management FTP credit liquidity and regulatory capital. Prior to joining QRM he helped start the Equities Research division at investment-research firm Morningstar where he was the Director of the Financial Services practice. His team of researchers generated financial profitability forecasts and estimated values of banks insurance firms investment banks and other publicly traded firms around the globe. He carries the Chartered Financial Analyst designation and holds a Bachelors degree from Northwestern University as well as a Masters degree in Finance from DePaul University.