Sandy is a Canadian businessman with Hungarian roots. He started his career at Procter & Gamble in Canada, then built and managed businesses for companies such as Cadbury International, Citibank Global and Raiffeisen International. Geographically he worked in 50 countries on 4 continents. He retired from full time work as CEO of Austria at The Royal Bank of Scotland and Chairman of the Supervisory Board at the Credit Bank of Moscow. Today he is involved primarily in board and advisory work, member of Senior Advisory Team at The European Financial Management and Marketing Association (EFMA), in addition to leading Bay Devonshire Ltd, a UK based boutique consultancy. He is also senior lecturer at several universities, active in charitable work and is the author of 4 business books.