Ms Payn is chair of the Board Financial Risk Committee. Margaret's career has been mainly in finance, risk and operational roles across financial services including retail banking, institutional banking and wealth management. She also has non-executive experience covering publicly listed companies, subsidiaries of listed companies and responsible entities for investment schemes and trusts for both public and private markets. She has global experience, having worked in Australia, Asia and the UK. Margaret's most recent executive position was AMP Capital's Chief Financial Officer and Chief Operating Officer; she has also held roles as Group Managing Director of Strategy and Marketing at ANZ Banking Group and finance roles across ANZ, Westpac and Citigroup Australia. Prior to that, Margaret held finance and business roles at Schroders plc in Asia, London and Australia. She was also the Group Risk director during her time in London. Other director and memberships: Chair of Sandhurst Trustees Limited (Aug 2024 to present); Director of Albion Technology & General VCT plc; Former Director of JP Morgan Mid Cap Investment Trust plc.