Carol is Head of Pensions and Benefits at RBS. She leads the teams responsible for the flexible benefits programme for over 60,000 colleagues and DB and DC pension arrangements for over 300,000 members (c£40bn liabilities) worldwide. She is deputy chair of the Pension and Lifetime Savings Association’s DC Council and chairs the CBI pension panel. Carol’s career includes a decade as an investment consultant and she has served as independent trustee on a number of boards. Carol is a CFA charterholder and has particular interest in pension investment, effective engagement and governance.