Robert Mcdowell is an economist and banking risk expert in wholesale & retail finance, having served many areas through both bank officer and contract roles. He has over 25 years experience in banking (strategy, front office, audits, etc.) spanning over 150 contracts, including the Group Head of Credit Risk in banking & insurance, Basel II Subject Matter Expert for E&Y, IBM & SAP at large banks, and 10+ years with Reuters. Education: Cambridge, London, Hamburg, Ulster.