• Consultant

    at Y L Equity Pte Ltd

    September 2019 - at Present


    Consultant specialising in savings/wealth, strategy, risk management and remediation. Currently engaged as 1) strategic advisor to Balo/Savvy, a Singapore fintech focused on savings for millennials across the Asia Pacific region and 2) consultant to a new mutual bank in London, an enterprise driven by the highest ethical principles tp restore trust in financial services.

  • Head of Remediation

    at HSBC Bank plc

    October 2015 - August 2019


    Reporting directly to the CEOs of HSBC Bank pl and HSBC Bank UK, selected by the Group Management Board to lead financial crime risk management and remediation activity in the UK, one of HSBC's two priority markets, essential to complying with Group's regulatory obligations to the FCA and Federal Reserve un Der its deferred prosecution agreement, which was lifted in December 2017. Delivered two successful skilled person reviews in 2018.

  • International Manager

    at HSBC Group

    October 1983 - August 2019

    Central and Western District

    Variety of roles in Brunei, Hong Kong, India, Japan, Qatar, Singapore, United Arab Emirates, United Kingdom and the United States of America. Covered commercial banking, credit and operational risk, eCommerce, foreign exchange and treasury, project management, retail banking, strategic planning and wealth management. Included successful assignments as Head of Personal Financial Services in India and Singapore, two priority growth markets for HSBC Group.

  • Chief Executive Officer

    at HSBC Bank International Limited

    August 2010 - September 2015

    Saint Helier

    (Businesses of 1,200 people across Channel Islands and Isle of Man, with combined balance sheet of GBP 20bn and annual NPBT of GBP 150m). Transformed HSBC Group's businesses in Channel Islands and Isle of Man, encompassing domestic and international banking, asset management, securities services, private banking and trust company. Secured approval for new strategy, which expanded scope from deposit gathering to holistic wealth management. Aligned resources to growth and risk management objectives. Delivered growth in core businesses, reduced cost base through simplification, shared services and full integration with HSBC Group strategy.

  • President and Chief Executive Officer

    at HSBC Bank (Taiwan) Limited

    September 2008 - August 2010


    (Initial capital of USD 1.0bn, balance sheet of USD 10bn, annual NPBT of USD 250m and over 3,000 employees). Led the integration of acquired branches and operations of The Chinese Bank, to expand HSBC's footprint in Taiwan and execute Taiwan leg of HSBC's Greater China strategy. Integration completed in record time, with conversion to HSBC systems within 8 months of closing. Achieved record profits in 2008 and 2009. Developed strategic plan to guide future development of combined businesses, and secured internal and regulatory approvals for required investment. Sperheaded successful local incorporation of HSBC Bank (Taiwan) Limited and foundation for growth.

  • Head of Personal Financial Services

    at HongKong and Shanhai Banking Corporation Ltd

    July 2007 - September 2008

    Central and Western District

    (Regional Head of Personal Financial Services covering 18 countries, with combined balance sheet of over USD 20bn, annual revenues of USD 2 bn and over 25,000 employees). Led regional retail banking team for HSBC in Asia Pacific. Aligned resources to focus on target customer segments, particularly mass affluent and middle market. Achieved 50% growth in HSBC Premier clients within 12 months, while reducing central costs and headcount (-60%). Completed acquisition of The Chinese Bank in Taiwan (39 branches and 1 million customers) to provide platform for growth of commercial and retail banking businesses.


  • Banking Diploma

    at Chartered Banker Institute

    2018 - 2018 (1 year)

  • MA Hons - Physics

    at Oxford University

    1980 - 1983 (3 years) Oxfordshire


  • French Conversation

  • Japanese Conversation