James has a career that has spanned executive leadership roles in international financial services, global retailers, and start-up banks. He has also directed global risk governance strategy and set policy across various countries and different regulatory bodies. As managing director of HAL Consulting, he equips companies with the tools required to accelerate fair value evolution, deliver growth, lower costs, and boost innovation. HAL is different from others in the marketplace in that all the team are practitioners, not just consultants. HAL is made up of senior executive business leaders who have all had commercial responsibility for large global frontline operations and have first-hand experience of the same or similar challenges clients are facing together with practical knowledge on how to solve them. Brands include HSBC, First Direct, UBS, Deloitte, Credit Suisse, Tesco, Marks and Spencer, Eurochange, SS&C, Aviva, Direct Line and RSA.