Lead the analytical teams that maintain credit ratings on European based Global Investment Banks, UK, Irish, Nordic, Baltic, Greek and Cypriot banks. Have responsibility for Moody’s bank ratings methodology and oversee analysis on bank regulatory developments globally, in the EEA and UK.

Associate Managing Director - Banking & Insurance. Co-head of Moody's European Insurance ratings franchise in addition to leading the Nordic & Baltic and South East European bank ratings teams.As well as having responsibility for the analytical teams that maintain ratings on Nordic, Baltic & SE European banks and a range of European insurance companies, I am a lead author of Moody's bank rating methodology and oversee analysis on a range of regulatory issues, including global developments in bank resolution and overseeing ratings of Global Universal banks.

A senior member of MIS's Credit Strategy & Standards Function, responsible for overseeing EMEA banks' credit ratings.Responsibilities include: • Providing advice on complex, unusual, or precedent-setting situations• Providing insights/views for development of credit strategy and methodologies• To implement / drive credit strategy through MIS Ratings & Research• Leading credit discussions with Ratings & Research analysts, including chairing portfolio reviews, asset class discussions and other comparative rating discussions• Attend (and vote in) rating committees and other credit discussions• Investigation and resolution of analytical errors

A senior member of MIS's Credit Policy function with dual reporting lines to Company’s Chief Credit Officer (CCO) for Global Financial Institutions and Company’s CCO for the EMEA region. Responsible for being the first point of contact for the local bank rating teams on policy and analytic issues across a number of markets, and for playing an important coordination role, promoting the consistency and comprehensiveness of Moody's analysis.Responsibility for:• Promoting and leading initiatives which relate to improvements in ratings quality and credit practices across the Western and Central European Banking franchise • Representing Company’s Credit Policy internally to Financial Institution ratings group staff and management • Representing Company to regulators and investors, both on methodological/policy issues and more generally on credit-related analytical views • Participating in the coordination of cross-rating group credit initiatives • Supporting the review of rating methodologies, with a focus on regional considerations • Reviewing and contributing to high profile regional research

Responsible for the formulation of the risk management framework applied to collateral taken in the Bank’s official sterling operations (Sterling Monetary Framework, Funding for Lending and special operations) including the detailed eligibility criteria, pricing and haircut methodologies as well as the active risk management of (c.£275bn at peak) collateral taken when lending.Reporting to the Bank’s Head of Risk Management, lead a team of 22 (including a mixture of career Bank staff and externally recruited experts as well as commercial bank secondees).Wider role in managing the Risk Management Division; providing leadership to the Markets Directorate, particularly ensuring the effectiveness of the Bank’s capacity to provide liquidity insurance.Analytical leadership through participation in key policy making bodies: Valuations Review Committee (Chair) Collateral Risk (Policy) Committee (Vice Chair)Collateral Eligibility Committee (Vice Chair) Markets Risk Committee Sterling Monetary Framework and Funding for Lending BoardCredit Risk Advisory CommitteeMarkets Business Management CommitteeMarkets IT Strategy GroupResolution Implementation and Planning Committee (Alternate)Achievements:Managed risk of collateral taken during financial crisis, including in Special Liquidity Scheme and Special Operations. Zero loss to Bank . Led project delivering an extension to the collateral eligible in the Bank’s sterling operations to include portfolios of loans. This included running an industry wide consultation, the formulation of new risk policies and the successful implementation of new processes under time and resource pressures.Led a successful high profile external initiative to require enhanced levels of information transparency for asset backed securities and covered bonds, including the coordination of approaches by other national and international authorities.

Policy Manager responsible for ensuring that the public’s demand for banknotes was met during a period of heightened uncertainty. Demonstrated the inadequacies in the Bank’s approach to the operation of the Note Circulation Scheme, and, by working through stakeholders, delivered a change in denominational mix of notes dispensed to the public. Conducted a strategic review of the Bank’s banknote storage requirements resulting the commissioning of a significant capital project.

Responsible for delivering emergency funding, leading analysis on resolution options and coordinating liaison between Northern Rock and Bank.Responsible for the design and implementation of legal framework and practical processes to covertly (and latterly overtly) provide emergency liquidity assistance to Northern Rock and for establishing the monitoring and oversight of the company while this was provided. This included establishing effective business relationships with professional advisors, FSA, HMT and individuals at the most senior levels of the Company.Provided advice on and lead implementation of funding workstreams for subsequent resolutions: Bradford and Bingley, Kaupthing Singer and Frielander, Landsbankii and Dunfermline Buildng Society. Led for the Bank in legal negotiations (with HMT/FSCS/administrators) over the terms of the Bank’s lending.

Developed from scratch a directorate-wide crisis management strategy. Project managed a major cross-directorate project focussing on the Bank's ability to provide intra-day liquidity through the RTGS system and settle market operations following a disruption to the operating environment.

Second Private Secretary to the Governor – responsible for providing support and policy advice to the Governor and other members of the Bank’s Executive Team. Built and refocused the role of the Second Private Secretary to reflect the needs and priorities of the Governor at the start of Lord Meryvn King's first term. Managed the private office, Governor’s external visits and relationships with FSA and ECB.

Implemented monetary policy, provided sterling liquidity to UK banking system and carried out analysis on the effectiveness of the Bank’s open market operations