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Paul Lowe has extensive experience in risk management and operational frameworks, beginning with a distinguished career in the British Army as a Warrant Officer from September 1985 to December 1998. After earning a First Class Honours degree in History from Exeter University, Paul joined the Ernst & Young graduate scheme in 2001, qualifying as a Chartered Accountant in 2004. Paul has held key positions in various financial institutions, including Santander UK as Head of Non-Financial Risk Framework since October 2015, where responsibilities include developing regulatory-compliant frameworks. Previous roles also include Senior Auditor at EY, Operational Risk Consultant at Coventry Building Society, and key leadership roles at Barclaycard, Lloyds Banking Group, and TSB Bank. Paul Lowe's educational credentials include qualifications from the Institute of Chartered Accountants of Scotland and the Institute of Risk Management.