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Bruce has held a variety of line and staff positions in commercial and retail banking over more than a 30 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. Before coming to Europe in 2008 he served as Chief Retail Credit Officer in North America for HSBC, where he built a risk control function and helped the firm manage the sub prime issues in the Finance Company. His career includes 17 years at Citibank; in his final role he was Managing Director and Senior Credit Officer in their Global Consumer Credit and Fraud Risk Management Office. Over a five year period he oversaw a range of international businesses and product lines, and helped to integrate a number of acquisitions.