Michael Zanga has been with RBS through acquisitions for 18 years and is the Chief Administrative Officer and Chief Information Officer for Corporate and Institutional Banking Americas. Prior to being CAO, Michael was the CTO for the Americas and focused his efforts on building a new Corporate Headquarters and Data Centers for RBS in Stamford CT as well as bringing a new Security, Risk and Control framework to production. The governance of our systems and staff is paramount to our regulatory obligations. Michael has an innovative background and has pushed adoption of new technologies over the years like Virtual Desktops, Blade Workstations and Servers, Consolidated Storage and IP telephony. His focus recently has been in the process optimization, cost controls and efficiencies across Operations and Technology. He sits on our Dodd Frank Executive Steering Committee and leads numerous discussions with the US regulators. Prior to joining RBS, Michael was with UBS (Union Bank of Switzerland) where he was part of a Global engineering team called GTECH looking at enhancing the standard offerings in the Windows and Novell technology space. Prior to that he spent most of his time consulting and working in not-for-profit organizations. He holds and Masters Degree from Iona College in New York and would like to pursue University teaching later in his career. His free time is spent skiing with his two young daughters. Michael previously played competitive basketball and plays as regularly as he can.