Dr Thomas Huertas is a Partner in the Financial Services risk practice at Ernst & Young LLP. Prior to joining Ernst & Young in 2012, Tom was Alternate Chair, European Banking Authority and Member, Executive Committee at the UK Financial Services Authority. He was also a member of the Basel Committee, the international organisation responsible for developing and harmonising banking regulation globally. Prior to joining the FSA in 2004, Tom was a banker. He held a number of senior management positions at Citibank/Citigroup. He holds a PhD in Economics from the Universiy of Chicago.