A highly experienced banking professional who has built on his roles in sales and trading, to become an expert in the risk and surveillance fields. Hammad has been instrumental in developing the strategy and plans, systems and controls for benchmark monitoring and surveillance at Lloyds over recent years. This was from a position of none being in existence and during periods of extreme regulatory focus, including after the LIBOR scandal. He has a unique combination of skills, having both an in-depth understanding of the processes and systems necessary to meet regulatory requirements and the leadership and communication abilities to not only head the delivery team, but also to report to the board and be the lead representative from Lloyds in terms of the regulators and auditors. Working with individuals in different departments to develop monitoring systems and processes whilst engaging with and reporting to senior people have been key features of his career.