Denis Hall is an International Senior Risk Professional. Vast board experience with Domain expertise in: • Banking Risk Management,• Retail consumer and SME lending • Change Management, restructuring and M&A • Governance frameworks. He has built strong Risk Organisations within major financial institutions across multiple geographies. He was the Risk head for Citigroup’s EMEA division. He was on the Management Board (Vorstand) of Deutsche Bank Privat- und Geschäftskunden AG. Laterly he was the Global Risk Leader for GE Capital Consumer and Retail Banking. He is accustomed to having very senior and board interactions. Holds Non-executive Board positions (Supervisory boards, Aufsichtsrat, Verwaltungsrat)with: Aareal Bank, Germany (ARL.DE), Moneta Bank, Czech (MONET.PR), auxmoney Holding Ltd (Ireland), Skipton Building society UK. He Chairs the Board Risk Committee in auxmoney holding and the Skipton UK where he is an approved SMF10, sits on Audit, Risk Technology, and Renumeration committees. Previous appointments include: Cembra Bank, Switzerland (CMBN.SW) Garanti Bank, Turkey (GARAN.IS); Hyundai Capital Bank Europe, Hyundai Capital Services, Korea; BAC, Central America; Budapest Bank, Hungary; BPH Poland; Schufa AG Germany. Also the Non-exec Chairman for UK Home Lending (CF2 approved person).Denis has extensive experience in driving change through risk organisations ensuring a cohesive, well understood strategy. His strong leadership, collaborative style, and team orientation has successfully delivered both innovative solutions and effective structures to manage a myriad of Risk and business challenges.