Career
He worked with Citibank from 1975, being in Panama for five years, then worked in Argentina and Chile. In the late 1980s he spent three years in London. He became chief operating officer of Citibank Consumer Bank in 1998. Citibank and Travelers merged in 1998 and he became chairman and chief executive officer of Travelers Life and Annuity. From 2000-1 he was chairman and chief executive officer of Zona Financiera, a small short-lived internet startup company. He joined Lloyds TSB in 2001 as head of retail banking. He became chief executive of Lloyds TSB in June 2003 and of Lloyds Banking Group in January 2009 after the merger with HBOS. He has built a reputation for being quietly spoken, thoughtful and not prone to superlatives - what many would describe as excellent, he would say was "pleasing". On 20 September 2010 it was announced that he would be retiring as Chief Executive of Lloyds in "a year's time".
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