Terry Lau is an accomplished technology executive serving as the Chief Information Officer and Chief Information Security Officer at Banco Santander since August 2019. Prior to this role, Terry accumulated extensive experience at Morgan Stanley over a 20-year tenure, holding positions such as Vice President and Regional Risk Officer, Vice President and Senior Coverage Officer for InfoSec, and Infrastructure Project Manager. Terry holds a Master of Science in Computer Systems Analysis from City, University of London, and a Bachelor of Science in Computer Science from Middlesex University.