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Stephen Luty has over 30 years of experience in business, real estate, and commercial banking. Stephen has held various senior management positions, including roles as Area Director at Bank of Scotland, Head of UK Business Centres at Alliance & Leicester, and Regional Director at Nationwide Commercial. Stephen has a BA(Hons) in Economics and Accounting from the University of Leeds, and an ACIB in Banking, Corporate, Finance, and Securities Law from Stockport College.