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Craig Bowie is a dedicated Senior Manager at Scottish Widows, specializing in business risk, investment, and climate since May 2021, with a notable background in regulatory risk management within the LBG investment management sector. Previous positions include serving as a Director at RBS, where Craig effectively promoted NatWest Trustee & Depositary Services and represented the industry to regulatory bodies, and as Head of Operational Risk Retail & Wealth at Lloyds Banking Group, overseeing significant risk assessments and fund management activities. Craig's earlier career includes substantial roles at Scottish Widows, BlackRock, and UBS Global Asset Management, where expertise in compliance, risk oversight, and regulatory frameworks was established. Academic achievements include participation in the RBS Climate Change Programme at The University of Edinburgh and a degree in Accountancy from the University of Strathclyde.