Xavier Marchal is an experienced audit manager currently at Lloyds Banking Group, where they lead credit risk audits within Corporate Banking. Previously, they served as a Group Internal Auditor at Hypo Real Estate Bank AG and held various senior audit management roles at HSBC. Xavier also worked as a Senior Revenue Controller at Oracle and consulted for KPMG. They have a Master’s degree in Accounting and Finance from École Supérieure des Sciences Commerciales d'Angers and are pursuing a qualification as a Chartered Certified Accountant with ACCA.
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