David is currently responsible for Retail Banking and Wealth Management (including Asset Management and Insurance) and Commercial Banking (including Global Liquidity and Cash Management, and Global Trade and Receivables Finance). For these Businesses, David acts as global Risk Steward for Regulatory Compliance Risk including Conduct. He also provides RC leadership in relation to digital products and services. In this double hatted role, David attends the respective Business Executive Committees as well as the Regulatory Compliance Executive Committee. David joined HSBC in 2012 from Citigroup where he was Managing Director for EMEA Consumer and Private Banking. In this role, David was responsible for Compliance activities covering Citi’s retail activities in region. Prior to assuming this role, David held several increasingly senior positions within Citi’s Global Banking, Private Bank, Compliance and Audit functions. David holds a Bachelor of Science from St Mary’s University College and a Postgraduate Diploma in Business from the London School of Economics. David is married to Louise and they have three children.