David leads the Global Retail Banking team at KPMG which provides audit, tax and advisory services to a very wide range of clients from Global Banks to small savings and loan providers. He has had 26 years of experience as an adviser and practitioner.

A key element of his role is to have regular discussions with major Banks around the world which give a perspective on the different strategies being adopted in a very challenging environment.

After qualifying as a Chartered Accountant he joined Lloyds Bank on a Senior Executive Development program. This took him through branch and commercial banking management to roles including Marketing, Strategy, Director of Money Transmission and Chief Manager Scotland.

David rejoined PwC as a Consulting partner in 1996 and remained a partner through the merger with Price Waterhouse and subsequently IBM, joining KPMG in 2005. Over the years he has worked with all the major UK Banks on programs covering operational efficiency, payments transformation, competition and the interface with Government.

David led the teams working separately with the Post Office and the UK Government to design and implement the transformation of benefit payments to 15 million people creating the Post Office Card Account (POCA).

He was involved in the  creation of  Sainsbury’s Bank and advised on product mix and choice of banking partner. He pulled together the teams responsible for the introduction of Chip & PIN technology and the UK Faster Payments programme.

He worked with one of the UK Banks to set up a major offshore processing and collections centre in Bangalore.

With the Callcredit credit reference agency he developed the Overindebtedness initiative for the UK Banks to share data and identify the most overindebted customers.

David has built teams in KPMG Globally focusing on Payments, Mobile and the use of Social media. He most recently led a research study looking at mobile payments and the future mobile banking landscape.