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Ruth is the former Chief Risk Officer at Monzo Bank, a fintech app-only retail bank in the UK which gained its banking licence in 2017. Prior to joining Monzo, Ruth worked for the UK's Financial Conduct Authority where she held a range a roles primarily in prudential supervision and most recently leading the Brexit unit. She also spent 3.5 years at the Basel Committee Secretariat in Switzerland setting up the Basel Committee's implementation work (RCAP) and GSIB resolution (TLAC).