Beryl Y. Chang had served as an Economist/ Vice President and successfully managed the risk performance of large credit and investment portfolios during her tenure with the US Trust, NA (Bank of America), JPMorganChase, Co., and Citigroup, Inc. for over a decade. She had been a Credit Risk Consultant for international institutions and is currently on the faculty of New York University. Her research interests include applied micro-macroeconomics, behavioural economics, international/financial economics, industrial organization, and risk management. She has taught courses in behavioral economics and finance at Columbia University, financial economics and corporate finance at New York University, international finance, micro/macroeconomics, and credit risk management at other universities in the New York City area. In addition to publications of a book on the issue of credit expansion and numerous articles in important journals, she has also served as a referee and reviewer for multiple academic and professional journals, include topics on macroeconomic policies in the International Journal of Pluralism and Economics Education this year.