Bruce has held a variety of line and staff positions in corporate and retail banking over a 35 year career. He has specialised in Risk Management and is currently Group General Manager & Chief Risk Officer, Global Retail Banking & Wealth Management. He previously served as the Chief Risk Officer for Europe, for HSBC, with responsibility for managing risk across a diversified set of businesses which operate in 19 countries. Prior to that he was Chief Risk Officer, for the commercial banking, retail and insurance operations in the UK, and helped the bank to navigate the credit crisis. He originally joined HSBC in the US. His career includes more than 15 years at Citibank; in his final role, he was Managing Director and Senior Credit Officer focussing on commercial banking. Over a five-year period, he oversaw a range of international businesses and commercial banking product lines, and helped to integrate a number of acquisitions.