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Stephen Lloyd is a Senior Audit Executive with extensive experience in internal audit strategy, risk management, and capital planning. They have held leadership roles at major investment banks, including Morgan Stanley, where they served as Global Head of Operational Risk Audit and Global Head of Capital Planning Audit. Currently, they are the Managing Director and Global Audit Portfolio Director for Finance at Nomura, specializing in operational risk and financial audits. Stephen studied Economics and Accounting at the University of Bristol, where they achieved First Class Honors.