Studies, Glasgow Univ. and Harvard Business School. Extensive financial experience. Former Partner, KPMG. 1995, joined HSBC as Exec. Director; CFO; Exec. Director, Risk and Regulation. Formerly: Chairman, Turnbull Guidance on Internal Control Review, Financial Reporting Council; Co-Chairman, Counterparty Risk Management Policy Group III; Member, Int'l Accounting Standards Board. Chairman, Institute of International Finance. Non-Exec. Director, BP. Member: Large Business Tax Forum; ICA of Scotland; Assoc. of Corporate Treasurers. Fellow, Chartered Institute of Management Accountants. Recipient, CBE, in recognition of services to finance industry (2006).