1989, joined HSBC as an International Officer; spent the first 14 years of career with HSBC in Asia helping to establish and expand the HSBC Global Markets business in the region; 2004, moved back to London; has represented the Group in Hong Kong, Singapore, Indonesia, Thailand, India, Bahrain, the United States and the United Kingdom; 2006, Group Treasurer and assumed global responsibility for balance sheet management; 2008, added the roles of Deputy Head of Global Markets and Head of Global Markets, Europe, Middle East and Africa; 2010, Chief Executive, HSBC Global Asset Management; January 2012, Chief of Staff to the Group Chief Executive, HSBC, and Group Head of Strategy and Planning; January 2013, Group Managing Director and Chief Executive of Retail Banking and Wealth Management (RBWM). Since February 2018, Executive Director and Group Chief Executive, HSBC Holdings.