Richard Horne is an accomplished Risk and Governance leader with over 17 years of consulting, program management, and professional data and risk experience. Throughout his career, Richard has worked with various Financial Services institutions, including Retail/Investment Banks and Insurers, to drive regulatory delivery, process improvements, and cost reductions in compliance. His expertise extends to IT and Target Operating Model Governance management, data analysis, and management roles across the full data or operational lifecycle. Richard has successfully implemented frameworks in areas such as regulatory compliance, data security, data quality, cloud, and Third-Party managed services. Currently, Richard holds the position of Senior Security Consultant at NFUM, having joined the company in 2018. Prior to this, he held senior positions at Accenture, SAS UK, Capital One, and Glass's. Richard's skills include SAS and business analysis, and he holds a degree from the University of Central Lancashire.