Education: Ph.D. Management Planning Systems, City University of New York (CUNY). 1987 (with concentration on production and Operations Management). M.Ph. Baruch College- CUNY. (June 1986). M.B.A. Management Planning System Baruch College- CUNY. (1984). M.B.A. Banking Management, Baghdad University (February 1977). B.Sc.A. Administrative Scineces, Baghdad University (June 1974).