Graduation 2010

The Sir Bruce Pattullo Prize
The Sir Bruce Pattullo Prize is awarded to the candidate scoring the highest total mark in the Chartered Banker Course examinations. This prize has been established through the generosity of Sir Bruce Pattullo CBE and the Council of the Institute decided it was appropriate to name the award the Sir Bruce Pattullo prize.

Sir Bruce joined the Bank of Scotland in 1961. After being appointed Manager, Investment Services Department in 1964, he made rapid progress through the ranks. His appointments have included Chief Executive of the British Linen Bank and Deputy Treasurer of Bank of Scotland. In 1988 he was appointed Deputy Governor and Chief Executive of Bank of Scotland and in 1991 he was appointed to a combined role of Governor and Group Chief Executive.

Sir Bruce was nominated to the Council of the Institute in 1977, became a fellow in 1978 and Vice President in 1983. In 1990 he was made President of the Institute, a position he held for two years. In 1998 the Institute recognised the significant contribution that Sir Bruce had made to the work of the Institute by conferring him with its first Honorary Life Membership.

2010 Prizewinner – Danielle Burns, Business Support Manager, Retail Products, UK Retail, RBS, Edinburgh

After graduating from Strathclyde University with a degree in Management Science, Danielle joined RBSG on a Risk Graduate scheme in 2007. The placement encompassed spells in Regulatory, Operational and Credit Risk. Following work on the Retail Transformation Programme within RBS, she was appointed as a Business Support Manager within Retail Products.

Commenting on her success, Danielle said: “The Chartered Banker qualification is particularly important in the current environment, demonstrating to our customers that we are professional.”

John Needham, Director of Risk, Group Operations & COO, Business Services, RBS: “It has never been more important in our industry to demonstrate the high standards of integrity, knowledge and behaviours required to be a member of a profession.”

Torrance McGuffie Memorial Prize
This prize is awarded to the individual who obtains the second highest total mark in the Chartered Banker Course examinations.

Torrance McGuffie was a Bank of Scotland Branch Manager in Ayrshire, who always maintained a deep interest in the affairs of the Institute. He believed it was essential that any good banker should commence his or her career by completing the qualifications of the Institute.

In 1976, following his death, his widow donated a sum of money to the Institute to establish a prize fund in memory of her late husband.

2010 Prizewinner – Margaret McClennan, Senior Analyst, Bank of America, Chester
Margaret joined RBS on the Retail Risk Graduate programme in 2007. Whilst undertaking three separate placements, she studied for the Chartered Banker Qualification. On completion, Margaret worked as a Senior Analyst in Corporate and Commercial Risk as part of the financial reporting team producing portfolio risk information. She recently moved to Bank of America in Chester where she is part of the Strategy Governance team in Portfolio Risk.

Margaret believes that the Chartered Banker Qualification has given her a thorough grounding in banking and supported her career choices. “Being able to choose from a variety of modules to complement your current role, as well as modules about the wider role of banks in society, is a great foundation to a career in banking.”

Hutton Prize for Professional Ethics
The Hutton Prize is a gold medal awarded to the individual achieving the highest mark in the examination for Professionalism and Ethics and donated by William L Hutton, an Honorary Fellow of the Institute.

William completed the Institute examinations in 1957 and then left banking in 1964 to work in the Pharmaceutical Industry in Africa. In 1976, he set up his own business consultancy, based in Kenya, but practising in various parts of the world. He is also a Certified Fraud Examiner of the US Association of Certified Fraud Examiners

2010 Prizewinner – Alexander Dugay, Manager, Corporate Banking, National Australia Bank, London
After studying Accounting and Finance at the University of Warwick, Alex joined Clydesdale Bank in 2008 on the iFS graduate scheme.

Working initially in the Corporate & Structured Finance (CSF) team in London, he is now a Manager within Corporate Banking. He is honoured to be recognised by the Institute: “The Chartered Banker qualification is an excellent way for bankers to demonstrate professionalism in their work, and for stakeholders to recognise those bankers with a commitment to honesty, integrity and knowledge.”

His employer, David Thorburn, Executive Director, Clydesdale Bank, praised Alex’s hard work and professionalism: “We place huge importance on ethics and professionalism and Alex's prize is great recognition for his effort.”

MSc in Professional Banking
This year has seen Napier University of Edinburgh award its first two Masters degrees in Professional Banking. Mark Devlin, Local Director of Community Banking for Bank of Scotland was one of the qualification’s first recipients and he describes his pioneering experience:

“The Masters programme was excellent. The greatest challenge for me was the sheer volume of work in light of the fact that we all have busy jobs and families too. The course content was interesting on a personal and professional level. I chose to study Marketing and also Risk, both topics very high on banks’ agendas at this time. The work is tough and takes a lot of time, but once you achieve it, no words can describe how it makes you feel.”

Sarah Curle, Relationship Manager Specialist Banking, Large Corporate at Bank of Scotland was also awarded her Masters in Professional Banking. Sarah chose to study Marketing and Risk as part of her course: “As I already held my MCIBS, I was on the accelerated route which enabled me to complete the course by working towards two modules and my thesis at the end of the academic year, which was September. My thesis was carried out on mergers and acquisitions between banks, which I found quite topical.

The material for the course and the support available was superb. It is hard work as you have to manage study around your own time and full-time job, but I definitely feel that it’s worth it.

With customers focusing more and more on the quality of their banks, courses like this really show that the industry is taking their feedback seriously."

Conferment of Fellowship
Lesley Agnes Beattie, Clydesdale Bank PLC
Judith Murray Belmore, Clydesdale Bank PLC
Martin William Betts, Clydesdale Bank PLC
Kim Wendy Bodie, Bahamas Institute Of Financial Services
Thomas Fulton Brock, Clydesdale Bank PLC
William Reid Christie, CER Business Finance Ltd
Stuart Cruickshank, Clydesdale Bank PLC
James William Duncan Currie, Clydesdale Bank PLC
K.L Dhingra, ITI Ltd
Lynne Margaret Drever, Clydesdale Bank PLC
Andrew Scott Falconer, Clydesdale Bank PLC
Wilson Ferguson, Clydesdale Bank PLC
David Colyn Gardner, Bangor University
Michael Roy Gibb, XM International Associates Ltd
David Christopher John Gillespie, The Royal Bank of Scotland plc
Caroline Graham, Clydesdale Bank PLC
Robin John Greensted Hewitt, Clydesdale Bank PLC
John Jackson, The Royal Bank of Scotland plc
David Christopher Kennedy, Clydesdale Bank PLC
Elaine Lenc, National Australia Group Europe Ltd
Carrie Leung, Hong Kong Institute of Bankers
Ian Walter Lindsey, Vanquis Bank Ltd
Gary Lumby, National Australia Group Europe Ltd
Wendy Rona McBurnie, Clydesdale Bank PLC
Clark McGinn, The Royal Bank of Scotland plc
John MacKenzie, Clydesdale Bank PLC
Kevin Dean McLeod, Lloyds Banking Group
Patricia Matheson, National Australia Group Europe Ltd
Alastair James Melvin, National Australia Group Europe Ltd
Wendy Melvin, National Australia Group Europe Ltd
Gordon Lennie Truman More, Lloyds Banking Group
Angela Elaine Pearson, David Pearson & Associates Limited
Elaine Robertson, Clydesdale Bank PLC
John Robert Graeme Scott, Clydesdale Bank PLC
Claire Shields, Clydesdale Bank PLC
Craig Simpson, Clydesdale Bank PLC
Craig William Stewart, Clydesdale Bank PLC
Kenneth Gordon Watters, Ares Capital
Philip Wheeler, The City of Edinburgh Council
Gordon Archibald Young, Clydesdale Bank PLC

Conferment of Membership/Chartered Banker Status
Tsz Hung Au-Yang, Bank of China (Hong Kong) Ltd
Wai Shun Bae, China Merchants Bank
Richard Betts, The Royal Bank of Scotland plc
Samuel Cameron Bird, Clydesdale Bank PLC
Claire Brady, Bank of Scotland
Caroline Naomi Brooks, Adam & Company plc
Danielle Burns, The Royal Bank of Scotland plc
Stephanie Campbell, Yorkshire Bank
Daniel Chan, The Hong Kong Jockey Club
Sin-Ting Cheung, Shanghai Commercial Bank Ltd
Ka Po Eva Choy
Daniel Peter Christensen, Clydesdale Bank PLC
Cheuk Kei Alexander Chung, Shanghai Commercial Bank Ltd
Simon Cooke-Yarborough, Lloyds Banking Group
Steven John Davies, National Australia Group Europe Ltd
Alistair Dewar, Lloyds Banking Group
Johannes Hermanus de Wit, ING Bank Turkey
Andrew Dickson, Lloyds Banking Group
Robert Kwame Dzato, Lloyds Banking Group
Gary Edward Alexander Erskine, Perella Weinberg Partners LP
Stuart James Farquharson, Clydesdale Bank PLC
Allan Gordon Ferguson, Clydesdale Bank PLC
Andrew John Fieldhouse, Bank of Scotland
Matthew Joseph Foley, Lloyds Banking Group
Martin Friel, Bank of Scotland
Tsz Kin Jack Fung, Hang Seng Bank Ltd
Ross James Goodwin, National Australia Group Europe Ltd
Andrew Alexander Gow, Lloyds Banking Group
Alexandre Maurice Calvert Graham, Affinity Solutions
Michael David Graham, Lloyds Banking Group
Philip Hamill, Clydesdale Bank PLC
Steven John Harrison, Lloyds Banking Group
Hilary Morag Henderson, Clydesdale Bank PLC
Mark Henderson, Clydesdale Bank PLC
Man Yuk Linda Ho, HSBC Trustee (Hong Kong) Ltd
Sin Wing Harold Ho, Sumitomo Mitsui Banking Corporation
Angel Ho, Consult DB Co Limited
Shi Leung Wilson Lau, HSBC
Adele Marie Lee, Bank of Scotland
Edmund Francis Leith-Parsons, Lloyds Banking Group
Cheuk Kwan Alex Leung, Lingnan University
Kar Lung Alain Lung, HSBC
Margaret Ruth McClennan, Bank of America
Peter Martin McCormack, Financial Services Authority
Ross Buchanan Mackenzie, Bank of Scotland
James Mackenzie Mason, Lloyds Banking Group
David Robert Murray, Bank of Scotland
Kirsty Neely, Bank of Scotland
Ross Alexander Nisbet, Bank of Scotland
Richard Owusu, Renaissance Capital
Hing Yan Pak, DBS Bank (HK) Ltd
Lesley Pake, Lloyds Banking Group
Gavin Douglas Reid, Lloyds Banking Group
Kate Joanna Polson Sargent, Lloyds Banking Group
Derek Alan Simpson, Lloyds TSB Scotland plc
Celine Alana Sinnott, Lloyds Banking Group
Andrew Graeme Stirrat, Clydesdale Bank PLC
Man Sang Tam, NWS Holdings Group
Albert Tin, Travelex Hong Kong Ltd
Mark Turton, Bank of Scotland
Miu King Wong, HSBC Bank plc
Siu Kai Yee, Lombard Risk International (HK) Ltd

Conferment of Certificate and Diploma Awards
Abbey National plc Advanced Diploma in Financial Services
Damian Poland, Santander

Advanced Diploma in Business and Corporate Banking
Eleanor Christine Carrick, The Royal Bank of Scotland plc
Thelma Figures, Bank of Scotland
Elizabeth Graham, Bank of Scotland
Patricia Kavanagh, Adam & Company plc
Deborah Thorne, Bank of Scotland

Advanced Diploma in Financial Services
Glenn Richard David Stacey, Bank of Scotland

Barclays Wealth Certificate in Financial Services
Cynthia Andrews, Barclays Wealth
Leigh Badger, Barclays Wealth
Steven Brogan, Barclays Wealth
Margaret Brown, Barclays Wealth
Grace Craig, Barclays Wealth
Ryan Dickinson, Barclays Wealth
Scott Garroch, Barclays Wealth
Maggie Hallan, Barclays Wealth
Andrew Macfie, Barclays Wealth
Lee McKeddie, Barclays Wealth
Lynne Magowan, Barclays Wealth
Sharon Meighan, Barclays Wealth
Rachel Miller, Barclays Wealth
Angela Naismith, Barclays Wealth
David Taggart, Barclays Wealth

Certificate in Sales and Service
Alison Ruth Stuart, Lloyds TSB Bank Plc

Certificate in Call Centre Operations
Scott Nicholas Hughes, Bank of Scotland

Certificate in Credit Union Practice
Chinyere Adeniyi-Alade, Grampian Credit Union Ltd
Shane Bowes, Pentecostal Credit Union Ltd
John Crawford MacLellan, The Royal Bank of Scotland plc
Janet Mundy, West Lothian Credit Union Forum
James Christopher Richards, Camden Plus Credit Union

Certificate in Financial Services
Chris Berry, Bank of Scotland
Lisa Birrell, Bank of Scotland
Karen Blair, Abbey National plc
Marko Bukilica, Mfi Agrolnvest Vfi Doo
Richard Bunyan, Santander
Tracy Conroy, HSBC Bank plc
Ivan Drobnjak, Mfi Agrolnvest Vfi Doo
Christopher Gardner, Intelligent Finance
Lee Gatenby, The Royal Bank of Scotland plc
Andrew John Harvey, Bank of Scotland
Nicola Hughes, Intelligent Finance
Smiljana Jestrovic, Mfi Agrolnvest Vfi Doo
Patricia Main, Intelligent Finance
Emma Quigley, Abbey National plc
Paul Simon Ratcliffe, Bank of Scotland
Biljana Ugren,  Mfi Agrolnvest Vfi Doo
Linda Wallace, Santander
Christopher William Watson, Airdrie Savings Bank
Kelly Wood, Yorkshire Bank

Certificate in Investment Planning
Steven Robert Aaron Barr
Ajay Kumar Nanda, S K Nanda Financial Services

Diploma in Business and Corporate Banking
Anya Crichton, Aberdeen University
Stephanie J Reid, The Royal Bank of Scotland plc

Diploma in Financial Services
Susan Leigh Bradley, The Royal Bank of Scotland plc
Paul Butler, Bank of Scotland
Alan Hugh Challis, Allied Irish Bank
Loveness Jackson, The Royal Bank of Scotland plc
Miari Jeffrey, Bank of Scotland
Bryan Keye, The Royal Bank of Scotland plc
Gerard McIlroy, Bank of Scotland
Lee McLaren, Airdrie Savings Bank
Fungai Makoni
Michael Smith, Adam & Company plc
Leanne Marie Sutherland, The Royal Bank of Scotland plc
Neal Tully, HSBC Bank plc

Diploma in Financial Services and HBOS Certificate in Real Estate
Hannah Louise Douglass, Bank of Scotland

Diploma in Financial Services and Professional Banker Diploma
Mecktilda Chinyoka

Barclays Bank PLC Diploma in Management and Development
Terrence Currie, Intelligent Finance

Diploma in Operational Risk Management
Jeptha Ricardo Cox
Rohit Thakur, Buchanan Clark & Wells Ltd

HBOS Advanced Diploma in Private Banking
Richard Martin Davies, Bank of Scotland
Stephanie Davis, Bank of Scotland
Angela Marie Hogg, Bank of Scotland

HBOS Advanced Diploma in Specialised Lending
Jane Adlum, HBOS plc
Barry Coates, Bank of Scotland
Deepak Jhanhi, Bank of Scotland
Maria Clare Lynch, Bank of Scotland

HBOS Certificate in Offshore Banking
Sally Dalman, Bank of Scotland
Ryan Alexander Davies, Bank of Scotland
Lauren Amy Kneen, Bank of Scotland
David Darren McGilly, Bank of Scotland
Sarah Raynor, Bank of Scotland
Lydia Scurr, Bank of Scotland

HBOS Certificate in Payment Services
Paul Stewart, Bank of Scotland

HBOS Certificate in Real Estate
Peter McDermid, HBOS plc
Anupa Parmar, HBOS plc
Robert James Stamford, HBOS plc

Mortgage Advice and Practice Certificate
Jill Marie Adie, Lloyds TSB Scotland plc
Ashleigh Allan, Bank of Scotland,
James Wilson Auld
Jennifer Helen Bannerman, Bank of Scotland
Karyn Bougourd, Meespierson (CI) Ltd
Ritchie Ross Bowman, Scottish Widows plc
Alan Bryce, Scottish Widows plc
Keith Carr, Charcol Ltd
Prem Chand, The Royal Bank of Scotland plc
Ilysm Kate Maryanne Cormack
Blackhorse Personal Finance
Richard Denton, Barclays Wealth
John Fettes, Lloyds TSB Scotland plc
Fiona Jane Harris, Adam & Company plc
Philip Hepworth, Meespierson (C.I.) Ltd
Alan Horsburgh, Scottish Widows plc
Angela Hutcheson, HBOS plc
David Angus King, Scottish Widows plc
Lidia Kowalska, Nationwide Building Society
Eric John Maxwell Lymburn, Adam & Company plc
Ben Stewart McDonald, Bank of Scotland
Justine Mallett, Fortis Guernsey Ltd
Wendy Melvin, Clydesdale Bank PLC
Kenneth Charles Merriman, HBOS plc
Emma Tracey Millar, Scottish Widows plc
Frank Michael Shane Moon, Meespierson (C.I.) Ltd
Jeannie Lamont Nisbet, Prudential
Craig James Roberts, Bank of Scotland
Olga Robertson, The Royal Bank of Scotland plc
Christopher Sandars, The Royal Bank of Scotland plc
Jennifer Sewell, Scottish Widows Bank Plc
Andrew Thomson-Kennedy, Fortis Guernsey Ltd
Judith Charmaine Turner, Clydesdale Bank PLC
David Van Zanten, St Mirren Football Club Ltd
Michael Wales, Adam & Company plc
Alan Gordon Watterston, Adam & Company plc
Jaqueline Ann Westerman, Bank of Scotland
Donna Wilson, Bank of Scotland
Nicola Marcella Young, Bank of Scotland

Mortgage Advice and Practice Certificate (Equity Release)
Kenneth Guy Cadman, Clear Financial Management
Boyd Campbell, Bank of Scotland
Jeremy Paul Hudgell
Kim Louise Mackay, Scottish Widows plc
Richard Walter MacAlpine Wells, Halifax Plc

Mortgage Advice and Practice Certificate and Mortgage Advice and Practice Certificate (Equity Release)
Craig Murray, Scottish Widows plc

NAG Certificate in Credit
Stephen Anderson, Clydesdale Bank PLC
Anne Mcmurtrie Anderson, Clydesdale Bank PLC
Wendy Atkinson, Clydesdale Bank PLC
Christopher Bland, Clydesdale Bank PLC
Teresa Anne Bremner, Clydesdale Bank PLC
Jacqueline Campbell, Clydesdale Bank PLC
Gary Anthony Collins, Clydesdale Bank PLC
Mary Colvin Gillan, Clydesdale Bank PLC
Dawn Elizabeth Graham, Clydesdale Bank PLC
Stephen Gray, Clydesdale Bank PLC
Richard Harrison, Clydesdale Bank PLC
Nick James, Clydesdale Bank PLC
Stewart James Kerr, Clydesdale Bank PLC
Drew Kirk, Clydesdale Bank PLC
Patricia Kozlowski, Clydesdale Bank PLC
Nathan Paterson Lamb, Clydesdale Bank PLC
Kim Lowe, Clydesdale Bank PLC
David Stanley Meek, Clydesdale Bank PLC
Graeme David Morris, Clydesdale Bank PLC
Colin Matthew Park, Clydesdale Bank PLC
Kenneth Ramsay, Clydesdale Bank PLC
Lee Read, Clydesdale Bank PLC
Sandra Ironside Stephen, Clydesdale Bank PLC
Kevin Anderson Watt, National Australia Group Europe Ltd
Jessica Williams, Yorkshire Bank
David Wilson, Clydesdale Bank PLC
Linda Wilson, Clydesdale Bank PLC
Ross Sinclair Wilson, Clydesdale Bank PLC
Mike Young, Clydesdale Bank PLC

Professional Banker Certificate
Tom Bagnall, Tesco Bank
Steven Beck, Northern Rock Plc
Eleanor Bryson, Tesco Bank
Sindy Buist, Tesco Bank
Samantha Carrahar, Northern Rock Plc
Parthadeb Chakravorty, HCL Great Britain Ltd
Anne Clark, Tesco Bank
Tara Davis, Tesco Bank
Ela Emekci, Tesco Bank
Helen Foster, Tesco Bank
Shelley Marie Fox, Tesco Stores Ltd
Michael Robert Frost, Lloyds Banking Group
Tzveta Gartcheva
Heather Glancy, Tesco Bank
Alice Harbison, Tesco Bank
Neil Hastie, Tesco Bank
Chris Henderson, Tesco Bank
William Hutchinson, Tesco Bank
Frauke Knoenagel, Tesco Bank
Martina Kozakova, Johnson Controls Bratislava
Simon Lumber, Tesco Bank
Susie McBay, Tesco Bank
Alison Parker, Tesco Bank
Richard Patrick, Tesco Bank
Stephen Toumani Phillott-Toure, UBS – Creas
Emma Reilly, Tesco Bank
Elwira Rumniak, Tesco Bank
Iain Slorach, Tesco Bank
Sarah Jayne Turner, Tesco Bank
John Virtue, Tesco Bank

Professional Banker Diploma
Julian Cafolla, Allied Irish Bank Plc
Bernice Dwomoh
Stephen David Allan Miller, The Royal Bank of Scotland plc
Valene Ann Mitchell, Bank of Scotland
Ross Stephen Osborne, Allied Irish Bank
Churchill Zindi, RBS Certificate in Retail Credit
Joyce Mary Christison, The Royal Bank of Scotland plc
Rebecca McDonald, The Royal Bank of Scotland plc
Gillian Fiona Van Der Westhuizen, The Royal Bank of Scotland plc

Schools Certificate in Financial Services
Kristina I M McDonald

Award of Regulatory Qualification Framework Prizes

UK Financial Services, Regulation and Ethics (ApEx1)
Wendy Melvin, National Australia Group Europe Ltd

Mortgage Advice (ApEx5 & H2) Scotland
Angela Hutcheson, HBOS plc

Mortgage Advice (ApEx5 & H2) England & Wales
Christopher Sandars, The Royal Bank of Scotland plc

Award of Diploma and Certificate Prizes (Incorporating all specialist and bespoke qualifications)

Banking Operations
Pauline Downie, Adam & Company plc

Basic Accounting and Taxation
Andrew John Harvey, Bank of Scotland

Call Centre Operations
Karen Blair, Abbey National plc

International Services
Anne Bernadette Singh, Lloyds Banking Group

Introduction to Credit
Stewart James Kerr, Clydesdale Bank PLC

Introduction to Financial Services
Kerry Leanne Bolan, The Royal Bank of Scotland plc

Introduction to Marketing
Michael Smith, Adam & Company plc

Professional Banker Certificate
Anupa Parmar, HBOS plc

Sales and Service
Michael Smith, Adam & Company plc

Team Development
Kerry Leanne Bolan, The Royal Bank of Scotland plc

Award of Membership/Chartered Banker Prizes (Incorporating all specialist and bespoke qualifications)

Business Banking
Scott Geoffrey Walsh, Clydesdale Bank PLC

Business Law
Susan Bannister, Lloyds Banking Group

Corporate Finance
Patricia Kavanagh, Adam & Company plc

Credit Risk Practice
Andrew Alexander Langstaff, Bank of Scotland

Financial Crime
Kirsten Murphy, Lloyds Banking Group

Financial Economics
Simon Cooke-Yarborough, Lloyds Banking Group

Financial Management
Samuel Cameron Bird, Clydesdale Bank PLC

International Business
Michael David Graham, Lloyds Banking Group

Management Strategy & Leadership
Oliver Peter Edward Holman, Clydesdale Bank PLC

Managing People
Meggily Herbert, The Royal Bank of Scotland plc

Marketing and Selling Financial Services
Simon Griffiths, The Royal Bank of Scotland plc
Daniel Peter Rogers, Yorkshire Bank

Money Laundering
Alison Thomson McLaughlin, Ortaz Associates Ltd

Operational Risk Management
Lorna Caroline Croft, Lloyds Banking Group

Private Banking & Wealth Management
John Flaherty, The Royal Bank of Scotland plc

Project Management
Deborah Thorne, Bank of Scotland

Retail Banking
Shakil Thakor, National Westminster Bank Plc

UK Financial Services
Andrew Burton, Barclays Bank PLC

Hutton Prize for Professional Ethics
Alexander George Dugay, National Australia Group Europe Ltd

Torrance McGuffie Memorial Prize
Margaret Ruth McClennan, Bank of America

The Sir Bruce Pattullo Prize
Danielle Burns, The Royal Bank of Scotland plc

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