Ulayi Shiku Owen is a seasoned Finance Lecturer with over 17 years of experience in higher education and the financial services sector. He holds a Master of Science in Accounting and Finance and is currently pursuing an MSc in Financial Engineering. Ulayi has lectured at accredited institutions, developing curricula in financial reporting, risk management, and financial modeling. With a background as a Treasury Risk Analyst at Barclays Bank, he brings practical industry experience to his teaching. His research focuses on auditing systems, loan modeling, and risk management in commercial banks.