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Gemma Cowan CeMAP CeRER is an experienced Operations Manager currently employed at Hargreaves Lansdown since September 2021, with previous roles including Quality Control Manager at Tynings Consulting Ltd and Assurance Specialist. Gemma Cowan has a strong background in risk assessment and management, demonstrated through a senior position at RBS England & Wales, covering the South West for retail assurance. Additional experience includes serving as Operational Support Manager and PA to the Director in Private Banking at Royal Bank of Scotland, focusing on risk management and operational support. Gemma Cowan holds multiple qualifications from institutions including The Chartered Institute for Securities & Investment and the London Institute of Banking & Finance.