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Zoe has over 30 years of experience in investment banking roles including 15 years in risk management. She is the Head of Lending for Morgan Stanley in Europe, Middle East and Africa (EMEA) and previously worked for both Citigroup and Barclays in several different roles including leading Citigroup’s Brexit Steering Committee. She spent several years leading teams which were restructuring companies in trouble, frequently as a result of both internal and external fraud, so she is very aware of how fraud can come from many different sources and the importance of accurate and timely information to help protect companies and individuals.