Speaker profile

Richard took up his position of Transactional Banking Director for Lloyds Banking Group in March 2009, establishing the new Wholesale Business. Initial Focus has been on building an Integration plan, tackling emerging market challenges such as the proposed new liquidity regimes and undertaking a strategic review of the new larger business.

Richard joined HBOS in 2007 and took up the position of Head of Commercial Products. Key impacts included launching a segmentation and innovative hero product strategy, and new wholesale liabilities strategy. Prior to joining HBOS, Richard was the Director of Strategy, Product Development and Change for Barclays Insurance (part of Barclays Bank plc) where he successfully launched a range of general, health, business and life insurance products. He also led a successful response to the creditor protection regulatory challenges.

Prior to Barclays, Richard was Business Development Director at Sage Group plc where he delivered 10% per annum growth of the Service business, major customer retention improvements and diversified the service offering. Earlier at Charles Schwab Inc. Richard was Head of Products then European Marketing Director. He was responsible for asset and income growth, rapid migration to e-channels, and the launch of a range of products which included ISAs, SIPPs and Funds Supermarket. Richard holds a Business Economics degree from the London School of Economics, a Diploma in Marketing and a Masters in Marketing Management.