Bio: Charles is a business problem solver and has driven corporate change over twenty years at board level including nine years as chief executive. He has led many very successful transformational transactions including some that were ground-breaking. He has also transformed business operations particularly in client service, IT and actuarial. Charles as CEO led the restructuring of Equitable life’s £35billion fund in one of the highest profile business recovery programmes in the UK. As Deputy CEO and Actuary of Scottish Widows designed and directed the building of the operational processes to ensure adherence to the requirements of the combined code whilst successfully managing the demutualisation payments programme.