Pat is Managing Director of the UK branch of KAS BANK, leading a highly experienced team delivering securities services and reporting solutions to the institutional market that are grounded in governance, innovation and building long term client partnerships. And with a focus on innovation and driving change, Pat was instrumental in bringing KAS BANK's cost transparency solution for pension funds to the UK market in 2017, to help trustee boards elevate governance and member outcomes. Pat joined KAS BANK in 2015, bringing extensive experience in the UK Securities Services and Pensions industries. Pat brings over 30 years of experience at HSBC Securities Services, where she was Head of Relationship Management & Sales, Pensions, Europe and a Member Nominated Director of the HSBC UK Pension Trust, working across DB and DC schemes. She is currently a Trustee for the KAS BANK UK Pension Scheme, and is working hard to ensure the best possible retirement income for its members. Pat also brings 22 years' experience of working with UK pensions schemes. Pat has two passions in her life - "pensions" and "dressage". Outside of work, Pat is a semi-professional dressage rider, building a unique sporting partnership built on commitment, performance and trust with her 2 horses.