Based in Houston, TX, Timothy Kramer is a risk management professional with over 28 years of experience working in the financial services industry. Timothy Kramer is a financial risk manager (FRM) certified by the Global Association of Risk Professionals (GARP).

A leading association for risk management professionals, GARP provides educational opportunities to help risk managers grow their careers. One of the certifications offered by GARP is the FRM designation, considered the global standard for financial risk, being recognized in every major market. Nearly every large firm and bank in the world require their risk managers to hold the FRM designation. It proves the ability, knowledge, and experience to identify, analyze, and eliminate risks.

FRM candidates need to pass two parts of a rigorous examination. The first part of the FRM exam focuses on the tools used to access financial risk and includes topics such as quantitative analysis and financial markets and products. Part two covers applying those tools by exploring current issues in financial markets and credit risk measurement and management. After achieving a passing score on the FRM exam as a whole, candidates should also complete a minimum of two years of experience, working full-time in finance or a related area.