Degree in Accountancy and Business Law, University of Stirling, Scotland. 1983, qualified as Chartered Accountant, PricewaterhouseCoopers; 1987, with insurance industry; 1993, Director and Chief Financial Officer, Aon UK Holdings; 1998, Group Finance Director, Sun Life & Provincial Holdings, spearheaded integration of Guardian Royal Exchange. With Old Mutual: 2000, Group Finance Director; Chief Executive Officer, Skandia, Stockholm, following its acquisition in 2006; since 2008, Group Chief Executive, Old Mutual, London. Interests: Liverpool football club, watching rugby, playing golf, listening to classical music.