Richard has had a 30-year executive career in financial services. In addition to HTB, Richard sits on the Board of Bank of Ireland (UK) plc, where he chairs the Risk Committee and is a member of the Audit Committee. Richard’s past non-executive director roles include Al Rayan Bank, where he chaired the Risk Committee; and West Bromwich Building Society, where he chaired the Risk Committee. Richard was also Chair of the Audit and Risk Committee at the University of York. Richard has held the roles of Finance Director and then Risk Director for Barclays’ Retail Financial Services Division; Finance Director, Barclaycard; and Chief Financial Officer for Barclaycard USA.