Philip Grant , SFE Chairman
Philip Grant was appointed Chairman of Scottish Financial Enterprise in June 2019.
Philip’s role is in addition to his position as Chairman of Lloyds Banking Group’s Scottish Executive Committee with responsibility for the Group in Scotland. He is also Chief Operating Officer of the Insurance and Wealth Division of LBG which includes Scottish Widows.
In 2016 Philip was appointed to chair the SFE High Level Strategy Group which was responsible for devising the organisation’s five-year strategy 2017-2022. The outputs of this strategy are presented at the quarterly meetings of the Scottish Government’s Financial Services Advisory Board (FiSAB) co-chaired by the First Minister and the SFE Chairman. Philip also co-chairs the Scottish Government’s Banking and Economy Advisory Group.
Sandy Begbie , SFE Chief Executive
Sandy Begbie CBE was appointed Chief Executive of Scottish Financial Enterprise in October 2020.
Prior to joining SFE, Sandy led the development of the Scottish Government’s Young Person’s Guarantee following an 18-month contract at Tesco Bank as the Chief Transformation Officer.
Sandy was responsible for the Global People, Organisation and Culture Integration following the successful merger of Standard Life and Aberdeen Asset Management. Before the merger Sandy was the Chief People Officer and Lead Executive for China and Hong Kong for Standard Life for eight years. During this time, he led the Standard Life HR team to be recognised as one of the top performing functions in the UK and also led the turn-around of Standard Life’s Chinese Joint Venture. Sandy was appointed Senior Advisor to the Standard Life Asia Board in July 2020, having been Chair of the Hong Kong-based Board since 2014.
Before joining Standard Life plc in May 2010, Sandy held similar Transformation and Group HR Director positions within Aegon, Scottish Power and the Royal Bank of Scotland.
Sandy holds several non-executive positions including Chair of Career Ready, Non-Executive Director of Place 2 Be and Chair of the Centre for Moving Images.
Sandy was awarded a CBE in the Queen’s Birthday Honours List in August 2018 for services to business and social inclusion.
Graeme Jones MA ACII , SFE Chief Executive
Graeme Jones was appointed as Chief Executive of Scottish Financial Enterprise (SFE) in January 2016.
Graeme’s role focuses strongly on working across the SFE membership to understand the industry’s diverse needs and external influences which shape the choices of its customers. Working with the membership, other industry bodies and partners, Graeme represents the needs and views of the industry to governments and regulators in Scotland, London and Brussels.
Before joining SFE, Graeme has held a number of senior posts in some of the UK’s largest financial services organisations. His most recent post was Senior Partner – Banking and Financial Services at Experian and prior to this he has held the posts of; Head of Distribution for Aviva, Head of Regulated Sales at RBS Group and Manager of Strategy and Operations at Standard Life.
Graeme is a graduate of Aberdeen University, is an Associate of the Chartered Insurance Institute and a Chartered Insurer.
Malcolm Buchanan , Chairman, Scotland and Managing Director for Corporate & Commercial Banking
Malcolm Buchanan is Chairman, Scotland for the Royal Bank of Scotland, and the bank’s Managing Director for Corporate & Commercial Banking, responsible for serving the banking needs of some of Scotland’s largest companies. He chairs the bank’s Scotland Board, which brings together the bank’s Scottish businesses which collectively serve almost 2 million customers, ranging from individuals and small businesses to some of Scotland’s best known companies.
Raised in Lanarkshire and educated at Braidhurst High School in Motherwell, Malcolm joined Clydesdale Bank in Glasgow in 1984 before moving to NatWest in 1998 and Royal Bank of Scotland in 2000. Malcolm completed his Chartered Banker qualifications with the Chartered Institute of Bankers in Scotland in 1987 and in 1998 completed an MBA (Dist) at Edinburgh Business School. Malcolm is a Certified Bank Director with The Institute of Banking, having completed the programme in 2019.
Malcolm’s early career was in retail/branch banking and subsequently he has built up almost 25 years of experience in various corporate and commercial banking roles in Scotland, Manchester and London. Malcolm has led teams looking after small, medium and large companies as well as real estate investors/developers and financial institutions. Allied to customer facing experience, Malcolm has also led teams specialising in risk and product management.
Malcolm represents the bank on the Scottish Government’s Financial Services Advisory Board, CBI Scotland Council and Scottish Financial Enterprise Board.
Wendy Colquhoun , Senior Corporate Partner for CMS LLP
Wendy Colquhoun was appointed to the Board of SFE in December 2017 and chairs the Risk and Governance Committee. She is a senior Corporate Partner at international law firm CMS Cameron McKenna Nabarro Olswang LLP and has a particular focus on supporting financial services clients across the UK. Wendy acts for a large number of banks, insurers and UK fund and wealth managers and has over 25 years of experience in providing corporate, commercial, risk & governance, investment funds and outsourcing advice and in advising financial services clients strategically at board/executive level.
Her previous roles include working for Linklaters in London before heading-up the UK Corporate Group at Dundas &Wilson prior to its merger with CMS in 2014. A graduate of Edinburgh University, Wendy is also a Trustee of the Stewart Ivory Financial Education Trust.
Sue Dawe , Head of Financial Services, Scotland for EY LLP
Sue Dawe leads EY’s Financial Services Practice in Scotland and is the Managing Partner for the Edinburgh office. She has been with EY for 30 years. Previous roles include, Head of EMEIA Wealth and Asset Management Assurance and Head of UK Wealth and Asset Management audit. She is a member of EY’s UKFS Leadership team and a member of the EY UK LLP Board. Sue is on the Financial Services Advisory Board (FiSAB) and was on the Board of Scottish Investment Operations until December 2018.
Sue is a member of the Institute of Chartered Accountants of Scotland and has a degree in Accountancy and Finance from Heriot Watt University.
Colin Halpin , Global Head of Data Services for HSBC
Colin Halpin is Global Head of Data Services at HSBC and is a member of the HSBC Leadership team in Scotland. In his role as Global Head of Data Service, Colin is accountable for the following global functions; Asset Pricing, Instrument Management, Product, Change Delivery, Vendor & System Oversight, Client Relationship Management, Risk, Data Control, Business Management, Strategy, Communications and Strategic Golden Source Systems Delivery.
Colin has over 20 years Financial Services senior leadership experience across Asset Pricing, Instrument Management, Financial Markets Back Office Operations, Invoice Discounting and Mortgage Operations.
Before joining HSBC, Colin held a number of senior leadership roles at JP Morgan in Edinburgh, Ulster Bank (RBS) and Pfizer Treasury Services both based in Dublin.
Gary Marshall , Head of EMEA for Aberdeen Standard Investments
Gary Marshall is Head of EMEA for Aberdeen Standard Investments. His role entails oversight of the asset management business activities undertaken by Group entities domiciled or operating in the EMEA region. He sits on the enlarged Group’s Asset Management Committee.
Gary currently serves as Chief Executive of the ASI Group’s primary fund management companies in UK and Luxembourg. He was previously Group Head of Product for Aberdeen Asset Management and joined the Aberdeen Group in 1997, serving as a member of Aberdeen's Group Management Board. He has had experience in many aspects of Aberdeen's operations in his previous roles having been based in London and Edinburgh, and in Philadelphia leading Aberdeen’s business in the Americas from 2010 to mid-2014. Gary joined the financial services industry in 1983, working initially in marketing and product development at Scottish Provident, a UK life assurer. Gary joined Aberdeen via the acquisition of Prolific Financial Management (then a UK asset management subsidiary of Scottish Provident) in 1997.
Gary graduated with a BSc (Hons) in Actuarial Mathematics and Statistics from Heriot Watt University in Edinburgh and is a qualified Actuary.
John McGuigan , Group Director, Customer for Phoenix Group
John McGuigan is the deputy Chair of Scottish Financial Enterprise.
John joined Standard Life in 2013 as Managing Director of Customer Service. Shortly after joining he assumed responsibility for the Company’s businesses in Ireland and Germany. In 2018, at the point Standard Life was acquired by The Phoenix Group, John became the Customer Director for the combined Group.
Prior to joining Standard Life, John worked for 7 years at Telefonica with his last appointment being Managing Director for Sales and Customer Service in Telefonica Germany.
Anthony Rafferty , Managing Director for Origo Services Limited
At the FinTech company Origo, Anthony Rafferty is responsible for continuing the firm’s 30 year-long legacy of delivering improved operational efficiencies, lowering costs for market participants and improving outcomes for consumers.
Before joining Origo, Anthony held a number of senior roles in the life, pensions and investments industry. During this time, he developed a passion for supporting consumers in the UK become more engaged with their financial futures and devising ways for the industry to make that much easier for them.
Vida Rudkin , Managing Director for Morgan Stanley
Vida Rudkin is the Co-Head of the Glasgow Office, EMEA Operations COO and the EMEA Head of Operational Risk and Regulatory Control (ORRC). Vida holds positions on the boards of Morgan Stanley UK Limited, Morgan Stanley Pension Trustees Ltd, Morstan Nominees Limited and Morgan Stanley Client Securities Nominees Limited. She also holds an external position on the board of Scottish Financial Enterprise.
Vida joined the Morgan Stanley Glasgow office in March 2010 after ten years working in London in various roles across UBS, Barclays Capital and Dresdner Kleinwort Wasserstein. Prior to entering the Financial Services Industry Vida spent six years as a consultant with Andersen Consulting and then Deloitte Consulting working in the Oil & Gas and Financial Services Industries. Vida has an MBA from Henley Management College and a BSc (Hons) Degree from the University of Surrey