Andy has over 30 years’ experience in Financial services. He was the founder and CEO of UK challenger bank, Chetwood Bank, taking it from start-up to a multi-billion balance sheet and hundreds of employees. Prior to that, he held several senior roles with HSBC, from Deputy Head of their UK retail bank to leading retail banking businesses across Continental Europe. He is a Chartered Accountant, having served earlier in his career as CFO of the Marks and Spencer Bank and worked for MBNA and Charles Schwab.