A retail banking and wealth management professional with experience in strategy & planning; large scale change implementation; credit risk; operations; sales distribution; marketing and management consulting. Ewen has a strong track record of accomplishment of initiating and leading major change initiatives to deliver sustainable business results, gained from many years’ experience in the banking sector, in both industry and as a professional adviser. Ewen started his career at Royal Bank of Scotland (RBS) where he undertook a number of senior roles covering Retail, SME and Wealth before moving onto Santander UK and ultimately becoming a well-established business consultant to the sector. Ewen is a partner within Johnston Carmichael’s Financial Services Consulting business line. Recent examples of his professional work include • Mobilising the Digital Transformation Programme for a major Building Society • Strategy and performance optimisation review for a financial advice arm of a larger organisation • Advising of a FS Group restructure and developing the Target Operating Model • Cost Optimisation review for the Mortgage Operation of a major UK Bank