Worked in retail banking, cashier from 1985-1987, personal banker thereafter until 1992, advising re bank/savings accounts, referring clients to specialist banking services, advising and arranging loans and insurance products. Branch Manager from 1992, responsible for staff training and development, appraisals, cost controls, delivery of excellent customer service, risk control, dealing with customer complaints, selling investment products such as pensions, investments bonds, life insurance policies, selling mortgage products, and responsible for overall delivery of branch sales team targets. Show less

The Citizens Advice service helps people resolve their legal, money and other problems by providing free information and advice, and by influencing policy makers.Our principles:The Citizens Advice service provides free, independent, confidential and impartial advice to everyone on their rights and responsibilities. It values diversity, promotes equality and challenges discrimination.Our aims: To provide the advice people need for the problems they face To improve the policies and practices that affect people's lives