Degree in Philosophy, Politics and Economics, Oxford University; MBA, Cranfield Institute of Technology. 1983, completed the Barclays Management Development Programme and held various roles in retail and corporate banking; 1989, moved to Citibank, latterly as Executive Vice-President, Citibrands; 2006-09, CEO, Barclaycard; 2009-12, CEO, Barclays Retail and Business Banking; currently, Group Chief Executive, Barclays. Member of the Advisory Board: British American Business International; Business Authority of Singapore; Cranfield School of Management; Acumen Fund.