Richard is a Chartered Accountant with over 30 years’ experience in the finance and banking sectors. For over 25 years he worked for NatWest and Royal Bank of Scotland where most he was the managing director of Corporate Businesses of Lombard. He has been involved with Wave Community Bank since 2011 and President of Wave Community Bank for 5 years leading the credit union in a period of strong growth. He is also a trustee of Citizens Advice and on the Local Government Board.