Emma has over 23 years’ experience in Financial services, mainly in retail banking. She has worked across the three lines of defence, front line customer services, through risk and GIA, before returning to the first line business in 2015. She has spent the last 15 years focused on Risk Management, Sourcing and Operational Resilience. Continuing in this, in January she joined Nationwide to lead the Operational Resilience agenda. Emma is passionate about people, diversity and the development of talent. She considers herself customer focused and is also driven by our responsibilities to the communities in which we operate. From a personal perspective, she is married, has three daughters and enjoys travel, food and running, as a way to support her own mental wellbeing.