Muzammil is a commercially-focused Risk Management, Governance, Compliance and Financial Crime leader, with experience across the UK financial sector. An SMF4, 16 and 17 regulatory Approved Person role holder, achieved via previous employment as a UK Building Society Chief Risk Officer & MLRO. Leveraging over 20 years’ domain expertise in enterprise-wide risk management across the 3 lines of defence, providing trusted assurance & advice to embed risk culture, transform Board effectiveness & enhance customer experience.