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Andy Smith is currently serving as the Head of Operational Risk at Admiral Money. With a background in risk management and internal audit, Andy has experience working with financial services clients to deliver risk, audit, governance, and change solutions. Prior to their current role, Andy held positions such as Interim Head of Governance, Risk & Control at Nationwide Building Society and Director at AJAS Business Consulting Limited. Andy has a degree in Management Science from the University of Warwick and has held various roles in risk management and audit at companies such as AXA Wealth, Phoenix Group, and AXA UK.