Kayode Sufianu Senior Associate  Kayode is a Balanced Scorecard Institute Senior Associate and the founder and CEO of Rosequeen Consulting, a Lagos, Nigeria based consulting and training firm. He was Managing Director of Access Bank Plc. and Societe Bancaire Nigeria Ltd until April 2004. He also worked with the Central Bank of Nigeria and the then Nal Merchant Bank Plc. He is an expert in structured credit transactions and has led several corporate restructuring exercises and capacity building engagements. He was consultant to the UK Department for International Development (DFID) and the World Bank on Nigerian financial sector review studies and the study of financial integration in Africa. Kayode holds the Institute’s Balanced Scorecard Master Professional (BSMP) certification and is a M.Sc. Economics graduate of the University of Lagos, a Fellow (FCIB) and Financial Studies Diploma (DipFS) holder, of the Chartered Institute of Bankers, England, an alumnus of the Lagos Business School Advanced Management Programme and a certified business counselor.