James is currently the Managing Director of HAL Consulting, a fast-paced UK and European consultancy that specialises in the creation and implementation of fair value models to create positive outcomes for consumers. Prior to this, James was the Global Head of Transaction Banking/FX for HSBC where, over a six-year period, he designed, implemented and evolved Fair Value principles in over 25 countries and multiple product ranges. This often involved taking a lead in fundamentally changing market practices to drive more positive outcomes for consumers.