Thomas T. Essel is currently a banker at the Research Department of the Bank of Ghana. He holds a Master of Arts in Development Studies and a Bachelor of Arts in Economics and Sociology from the University of Cape Coast, Ghana. He also holds a Diploma in Education. He worked at the External Financial Relations Department of the Bank for ten years and is currently at the Research Department. He is in the Balance of payment office and is currently involved in Regional and Sub-regional economic integration issues. He is also a member of the National Coordinating Committee of ECOWAS.