Andy spent his early career designing and implementing operating models for financial services companies, followed by time spent working as and with Lean Six Sigma Black Belts from companies like Toyota, Motorola and Jaguar Land Rover. From there, Andy created and led the Global Service Improvement and Service Management functions for the RBS Shared Services business, being asked to support the RBS Americas operations with solving some problems in the Customer Due Diligence teams, which started a career in Financial Crime. Since then, Andy has worked in all areas of global Financial Crime (Anti-Money Laundering, Sanctions, Customer Due Diligence, Fraud etc.) across Retail, Business and Investment Banking, where he was Director, Innovation & Development in the NatWest Markets Anti-Money Laundering team; recruiting people from Law Enforcement and Pharmaceuticals to look at solving banking problems from a different perspective. Most recently Andy has been the Product Owner and Head of Financial Crime at Bó, RBS’ digital bank, accountable for the design & implementation of the Bó Financial Crime function all of which has been built entirely from scratch.