Michael spent over twenty-five years in banking and was as a member of the of the Merrill Lynch Investment Bank management committee, a member of the Operating Board of Directors of Deutsche Bank and a Senior Managing Director at Citigroup. He has served on committees at the Federal Reserve Bank of New York, The Bank of England, Bond Markets Association of America and Department of Energy. Michael completed his doctoral degree at Case Western University, Cleveland and is a Management Design and Innovation Fellow. He is a recognized practitioner scholar in micro energy business models and related data science methods.