Sicina has 30 years of experience in senior executive positions at Citibank, American Express and various entrepreneurial endeavors. He worked for fourteen years in Latin America for Citibank. He became CFO of Citibank's entire International Consumer Group and later, of Citibank's US credit card business. Sicina subsequently joined American Express and went on to become President of American Express Bank Ltd. and a member of its Board of Directors. Subsequently, he was named President of the Latin American Division for the corporation. Sicina has since worked in executive positions of several entrepreneurial endeavors. He is currently a professor at The American University. His course work over the last 18 years on decision making is the genesis of this book.