Andy is a senior banker with broad experience of driving commercial performance across entities and jurisdictions. He was most recently the deputy head of HSBC’s UK Retail Bank, having previously been Commercial Director and Head of Retail Products for HSBC Europe.Andy has been an FCA approved person for many years carrying out a broad range of regulated roles.Prior to his time at HSBC, Andy was CFO at M&S Bank, Head of Commercial Finance at MBNA, and Brokerage Operations Director at Charles Schwab.