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Muhammad Rafeeq Banking Consultant and Internet radio broadcaster A Banking Management consultant who has experience in the City going back over 20 years. He began his City career in the discount houses, who traditionally facilitated the issuance of the British national debt through UK Treasury bills and UK gilts. Since 1998 he has specialised in consulting to banks as a financial risk consultant and he is well versant with the original Capital Accord regimes. He was also a contributor to the UK's first regulated Islamic Investment fund, the Al Safa Fund under the auspices of the SFA.