Mr. Spencer has responsibility for managing and developing the Bank’s operations in Bermuda. After first joining the Bank as a Senior Accountant in Butterfield Corporate Services in 1985, Mr. Spencer moved to Internal Audit where he rose to Head of Group Audit.  In November of 1986 Mr. Spencer took over as Vice President, Head of Banking Operations. Prior to joining the Bank, Mr. Spencer worked for Peat Marwick International (currently KPMG) as a Senior Auditor, for the Bermuda College as a part-time professor of Intermediate Accounting, and for Touche Ross & Co.  Mr. Spencer has a Bachelor of Science in Business Administration, and a Masters degree in Business Administration, from Oakwood College and Atlanta University, respectively.  A member of the Institute of Chartered Accountants of Bermuda, and the Canadian Institute of Chartered Accountants, Mr. Spencer is also certified by the Georgia State Board of Certified Public Accountants.