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Caroline Spence is a seasoned professional in digital business analysis with extensive experience in the banking sector. Currently serving as a Senior Digital Business Analyst at The AA since September 2020, Caroline has previously held key roles at NatWest, contributing to innovations in digital banking, including the implementation of Artificial Intelligence and enhancements in customer engagement through RPA and Open Banking APIs. Prior positions include Digital Business Analyst at NatWest, where contributions involved mobile requirement elaboration and stakeholder engagement, as well as early roles at RBS focusing on digital payment solutions, and significant project work at Virgin Money related to operational and regulatory requirements. Caroline holds a Master of Arts (with Hons.) in Economics from The University of Edinburgh.