Stewart, who graduated from Warwick University, has over 28 years international blue chip corporate experience, within automotive, mobile telecommunications and finance sectors. Stewart spent 6 years at first direct and HSBC, where he went on to create the first Digital Centre of Excellence for HSBC Group globally. He was accountable for all aspects of Digital for the HSBC Retail businesses in the UK, and for digital design & delivery for HSBC brands across Europe. Stewart has led digital projects since the mid 90’s, and ran a mobile services hot-house team in 2000. His experience spans leading technology, people, change and digital throughout his career. At Atom, Stewart is the Chief Operating Officer, which encompasses Customer Operations, Intermediary Management, Technology Operations, Business Change, Technology Services and the end to end programme delivery of the bank. Atom aims to be the first fully fledged digital bank in the UK, with a mission to change banking for good, permanently for the better for customers.