William F CuttanceBill Cuttance was born in Arncliffe, NSW on 19 September, 1931. He spent 70 years working in financial institutions: 40 years with one of the Big Four and 30 years with the credit union movement. Retirement from the bank occurred in 1988.He was ChiefManager (NSW) Branch Operations and subsequently CEO of two credit unions, management consultant and contracted internal auditor for several others. Bill retired from this position in 2018, due to ill-health.Bill spent a good deal of his working life in risk management and investigative activities. He was also his bank's national community relations manager, front man and advertising manager.The author has been writing all his working life: Board submissions and reports at senior level, along with Speech writing Submissions to high level conferences (e.g. National Conference of Australian Catholic Bishops). He also drafted copy for the initial National Credit Union Directors' Manual.The author's qualifications include: Fellow of Australasian Institute of Bankers.Bachelor of Arts (Syd.) Majoring in Marxist philosophy - Two honours years - met future wife - did not complete thesis.Parallels between the Christian concept of Salvation and Marx's Socialist Dawn - Two articles relating to the Marxist concept of Alienation in Capitalist Society, published in Communist/Socialist Press.Master Fraud Investigation and Financial Crime (Chas. Sturt).The author has been married to Helene (2nd marriage) for 33 years. Between them they have 5 children, 11 grandchildren, and 4 great-grandchildren. Bill enjoys watching the Wallabies, Weeping Oriental Gardening, and reading Philosophy. Read More Read Less