John has worked with KPMG in the financial sector for 30 years. The last 18 of these have been as a partner, leading audits in the retail banking, building society and mortgage lending marketplace, as a result of which he has extensive experience of all issues facing retail financial sector organisations. His primary focus is in the area of retail banking in the UK, where he has led audits on many top companies. He has also been involved in a number of start ups from the license application stage. John has also been involved in a large number of building society transactions, including acquisitions, disposals, demutualisations and mergers. He has had significant experience of acquisitions and mergers, regulatory and other advisory assignments.