With over 30 years’ experience in the financial services industry, David currently has responsibility for fraud across HSBC UK, First Direct, M&S Bank and John Lewis Financial Services. David has previously held senior fraud roles at Lloyds Banking Group, including Group Fraud Director and Fraud Insight & Analytics Director. In addition to his responsibilities whilst at Lloyds, David also sat on the Board of Directors of Financial Fraud Action UK, the industry body that worked collaboratively to protect UK consumers and businesses from fraud and the Home Office led UK's Joint Fraud Taskforce Management Board.