A trained and qualified banker, Ian spent much of his career with Royal Bank of Scotland latterly as Director of Credit, Retail Banking. Subsequent executive roles include Managing Director Business Banking at Santander UK, Chief Risk Officer at GE Money UK, Chief Risk Officer at Tesco Bank, and Strategic Risk Director at Virgin Money. More recently, Ian has acted as executive Chief Risk Officer for both Charter Court Financial Services and Monzo, in each case helping the business obtain a banking licence and establish a robust risk management framework. Ian is a Chartered Banker and a Fellow and former Vice President of the Institute of Bankers in Scotland as well as a Fellow of the Institute of Financial Services.