Mr. Frumkin is responsible for Butterfield Group’s enterprise risk management framework and functions that identify, quantify, monitor and control the Bank’s credit, operational, compliance and market risks. Mr. Frumkin is a career banker with a depth of experience in risk management, credit and retail banking.  He joined Butterfield in 2010 after 21 years with member companies of the Royal Bank of Scotland Group in the US and UK. During his tenure with RBS, he held the positions of Managing Director of the UK Retail Products Group, with responsibility for the profitability of 2,200 branches and more than 14 million customers, and Chief Risk Officer, Retail Banking, responsible for a team of 1,250 risk professionals covering credit, regulatory/compliance and operational risk for the UK’s largest retail Financial Services business. Mr. Frumkin’s previous experience also includes the post of Head of Transition Risk at Northern Rock in the UK, overseeing the restructuring of that bank under public ownership, and JSC Parex banka where he was Chief Restructuring Officer, responsible for the reorganisation of the nationalised Latvian bank.