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Stephen Pinnock currently serves as a Lead Business Analyst at Scottish Widows, beginning in August 2023. Previously held the position of Senior Business Analyst at NatWest Group from January 2022 to August 2023, focusing on an AML program that addressed Quality Data Issues across several critical areas. Other notable roles include Senior Business Analyst at Phoenix Group, managing the Business Operating Model for an outsourcing programme, and Senior Project Analyst at NatWest Group, involved in a Legal Entity change initiative. Stephen's expertise also includes designing payment card industry controls at Nationwide Building Society and leading change initiatives at Royal Bank of Scotland International related to the Independent Commission on Banking. With a background in compliance management and AML oversight at various banking institutions, including TSB Bank and Lloyds Banking Group, Stephen has developed extensive experience in business analysis and regulatory compliance. Academically, Stephen Pinnock holds a Bachelor's degree in Accounting and Finance from Edinburgh Napier University.