Paul was appointed as Chief Executive of the Company in August 2009. Prior to his move to the Company, Paul was the chief executive officer of the RBS Group’s mainland UK retail banking business, having joined that business in 2004 as managing director with responsibility for products and marketing. Before joining the RBS Group, Paul held a number of senior roles in multi-channel retailing in the GUS and Kingfisher groups. Paul started his career in marketing with Procter & Gamble in UK and European roles. Paul read politics, philosophy and economics at Oxford, graduating in 1990, and remains a supporter of his college through music scholarships. He is a fellow of the Chartered Institute of Bankers in Scotland, a member of the ABI Board, a member of the Financial Ombudsman Service’s insurance industry steering group and a member of the FCA Practitioner Panel (formerly the FSA Practitioner Panel).