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Andrew Cross holds the role of Director of Enterprise Wide Risk at RBS and is based in London. He provides executive leadership of Enterprise Wide Risk which designs and implements the overall risk framework which includes risk appetite, strategic risk, earnings risk and stress testing. In addition Mr. Cross is responsible for most non-trading risk models used across RBS. Mr. Cross has spent the majority of his career leading enterprise risk and risk enabling activities. This followed initially qualifying as a Chartered Accountant after graduating in Mathematics from Cambridge. He joined RBS in 2011.