Randal is a practical, results-oriented advisor who has spent a career helping financial institutions perform better for the people they serve. He is an experienced financial-services executive and consultant with a career spanning five decades, including senior leadership and CEO roles in Canada and Ireland. He has led multi-branch operations, credit and contact-centre teams, strategic planning, organisational transformation, performance improvement, governance initiatives, and member and customer engagement programmes across credit unions and major financial institutions. As a consultant, he has advised credit unions on leadership, strategy, operational effectiveness, coaching, policy development, member engagement, and change implementation, bringing a practical, results-oriented approach to strengthening organisational performance. “You are the average of the five people you spend the most time with”. - Jim Rohn