Andy is MLRO in DNB Bank ASA, London Branch, and has been working in financial services for over 20 years, 18 of which have been in financial crime prevention. He has developed financial crime risk management frameworks in several regulated institutions, including through Skilled Person reviews, and both supported as well as faced US Monitorships. A chartered accountant by profession, he has solid experience across all facets of financial crime risk facing modern financial services industries. Recent seminar appearances included interactive masterclasses in tax evasion risk management and managing Russian oil price cap sanctions. Andy focuses on operationalising risk management frameworks and the importance of training, support and guidance to first line, second line (and even third line) colleagues. He is a Mental Health First Aider keeps balanced by hiking across the South Downs, walking his (standard sized) American Bully, and coaching rugby.