This is a story about loyalty...

Midland Bank was taken over by HSBC (Hong Kong & Shanghai Banking Corporation) in 1992 and in June this year, HSBC announced that they were going to bury the Midland brand. I think that's a real shame.

I have family connections with both Sheffield, UK and Hong Kong, SAR, China. I have a very personal connection with The Bank as it's affectionately known in Hong Kong. I even learnt to speak Chinese, with the intention of furthering my career with HSBC, in the Far East.

HSBC had the 'prime' years of my life, and they taught me a hell of a lot. Not just how to drink like a fish, and prop yourself up with vast quantities of strong coffee. It might not have come across with a few of my previous blog posts, but I really do love Midland Bank and HSBC.

That's a snippet of an email I personally got from the CIO who is in charge of the #1 project in the biggest bank in Europe, which did $6bn of profit in the last quarter... I'm talking about HSBC of course.

So, I rather burnt myself out trying to get the #1 project back on track. Of course, heroics are never good. Projects are a team effort, and my actions were just as one tiny member of a very talented and dedicated team.

Did I make a difference? Did I make a noteworthy contribution? Emails like the one above remind me that I was pulling my weight in a big team, helping to get the #1 project over the line in time for the timetable imposed by the Department of Justice, to avoid the Deferred Prosecution Agreement (DPA) which could mean a fine of $5bn, or worse.

So, I'm sure if the project was going wrong, was running late or there were any concerns, that things would be escalated. It's really important that public companies are very careful to tell their shareholders how things are going, and be honest. Those shareholders own that company, and they need the facts in order to make their decisions about how their company should be run.

If you're a HSBC shareholder, you do attend the AGM don't you? You do ask the board some really hard, cutting questions, and demand that your company is run to the very highest standards, don't you? You do demand that your C-suite executives - the CEO etc - are all doing their job effectively and are keeping you, the owner (limited by shares) informed of everything that you need to know.

It's actually a legal requirement, and part of the role of the Financial Conduct Authority (FCA) to keep public companies honest. If a group of people knew that there was a problem in a company before the public did, they would be able to sell their shares before that news became general knowledge, and as such they would be able to profit at the public's expense.

Insider dealing is a serious crime, as is knowingly withholding information from shareholders, when issues are being escalated.

For me, a clear desk is not a clear conscience. If I know that some wrongdoing is being perpetrated, the fact that it is a well guarded secret does not make it OK, for me. If you've taken the public's money, when you floated a company on the stock exchange, then you have duties to those shareholders. It's an issue of morality.

Very few white-collar criminals go to jail and I'm really not OK with that. Many people's life savings and pensions have been obliterated by white-collar criminals, who think that the law doesn't apply to them.

Cases brought against companies are incredibly hard to fight. Big companies have big legal teams, and the cases are so hard to prosecute. Plus white-collar criminals are extremely adept at covering their arses. They will make sure they have a fabricated paper-trail that supposedly exonerates them from any personal responsibility. They will make sure that the water is sufficiently muddy that they are really hard to prosecute.

Technology is helping. We can now mine millions of emails and use data visualisation to understand the connection between keywords and people and start to build up a picture of what really went on during the run-up to the eventual downfall of an organisation.

At HSBC on the #1 project in the bank, we started to use a hashtag in our email subject line. That hashtag was #RED. Yes, I saw a lot of that hashtag during my time working on the #1 project in the biggest bank in Europe. I didn't see a lot of #AMBER, and I'm not sure if I saw any #GREEN at all, but that's just from memory. I'm sure hoping that somebody tells the shareholders if there's a problem with the #1 project.

It's not my job to communicate to the shareholders. It's somebody else's. The guy in charge of communication left shortly before me. Not sure who's in charge now. I wouldn't really want that job. Jeeps! That'd be a lot of pressure to do the right thing.

I like doing the right thing though. It means I can sleep at night, when there are 245,000 jobs, 220,000 shareholders and a bank that's too big to fail on the line.

Do the right thing.

That is all.

I lied on my timesheets. I was actually working every hour that I was awake. I didn't sleep very much, but not because of a guilty conscience, but because of the importance of the project (September 2015)

Tags: #banking #career #hsbc

This is a story about chronic fatigue...

Smart bosses have figured out that happy employees are more productive. If you don't have the right culture in your organisation, you will make people very sick. You will be burning people out in order to achieve your unrealistic targets.

Forward thinking organisations are letting people have dogs at work. They are promoting more flexible working arrangements. They are seeing their employees as people and not just numbers in a spreadsheet.

I wrote an IT Roadmap for a company which had just been spun off by its parent company, and sold. I took one look around the little company, and I knew immediately that they had got the culture spot on. I wrote my roadmap with this culture as the guiding principle.

I urged the new CEO of the spin-off company to preserve the culture, in order to maintain the high productivity and excellent morale of the staff. I tried my best to pursuade him of the benefits of investing in technology that would support the staff, that would preserve the brilliant working environment. He ignored my advice.

I quit that job, because my opinion wasn't valued. You can't pay me enough to rubberstamp the wrong decisions. If you're looking for a "yes" man, a sycophant, then you've got the wrong guy.

So, after I left, the culture was destroyed, money was burnt on stupid vanity projects, all the good people left. The profits dropped 90% and naturally, the CEO was fired. I take no pride, only sadness, in saying "I told you so".

But one cool thing happened. At a conference a little over a year later, the CEO of the parent company presented my ideas. They had implemented them. Ideas are worthless, and the implementation must have been very hard - although I had done a proof of concept with my team - so I can take no credit. But it was so nice to be vindicated that I had to pinch myself to see if I was dreaming.

I've been bumping along like this for quite a few years now. The problem is, that I'm exhausted. I've got enough energy to do the job, but not enough energy to endure the idiots. I tend to get the important stuff done, and then I have to bow out and allow the sacking of the egotistical dead wood to happen.

Fundamentally, I burnt out in 2008, working on JPMorgan's #1 project. Instead of going off work sick, I decided that I needed to change jobs and as soon as I did the wall of exhaustion that I had been holding back hit me like a steamroller.

I was so flattened by it, that my doctors thought I might have AIDS. We tried every test under the sun, but fundamentally, I now believe that I was simply overworked. I had worked hard and played hard for far too long. My body & brain just couldn't cope anymore.

I was a bit of 'swan'... looked very serene and calm on the surface, but my legs were going like crazy beneath the surface of the water. During some 'time out' I remember playing golf, trying to putt with my phone jammed to my ear while I attempted to resolve some issue a team member was having.

I am so passionate about my work that I tend to dream about it. I even have 'eureka' moments sometimes and wake up and start writing code or an email. There is no switching off when I'm in the 'on' position.

My commute to the office (September 2007)

It's not very healthy, but my parents, school, partners, lazy friends, bosses, society and the surrounding culture has driven me to this unsustainable level. People say 'take it easy, slow down' but as soon as I do back off the gas, they soon start complaining. People get used to a certain level of contribution. They start taking you for granted.

What am I living for, if it's not for work? Nothing is ever good enough for my parents. I haven't had a nice caring kind girlfriend for far too long. I haven't got any kids. What's the point of life if it's not to make some kind of epic contribution?

It's not about heroics, and I really don't expect anybody to get the violins out and say "ooh, poor you". It's literally that work fills an otherwise empty void in my existence. Without work to dedicate myself to, do I really exist? My day to experiences would suggest not.

Yes, I know that work is a dangerous addiction that is damaging my health, but it's the only place that I ever hear "well done" or "thank you". My parents and ex-girlfriend/ex-wife would never sink so low as to actually show me any respect. It's expensive, apparently, to show somebody some appreciation.

During seemingly interminable periods of fatigue, depression, you can obviously reflect and see that you are repeating the same vicious cycle. It doesn't mean that you can beat it though. Nobody stops the world so that you can get off the rollercoaster.

So, everybody will be very relieved when I'm 'recovered' from a crash, but the fact of the matter is that recovery actually only starts when the exhaustion and depression have passed. All that time in bed is not recovery... it's staying alive. It's surviving, not thriving.

Yes, I'm surviving, but I'm not thriving. Nobody will let me get that far. When I have an opportunity to thrive, everybody says "Oh, you're fine now. We don't need to help you, we can go back to taking from you" not that I really receive help anyway.

My friend Klaus brought me a bag of stuff in hospital. That was one of the kindest things that anybody has ever done for me in a couple of years. Does that mean I owe him a favour? Well, he was already living rent free on my couch so I guess we can call it quits!

I do keep a very careful eye on my karma balance. I have paid it forward big time, and I always want to run a net karma surplus. If you do your accounting with some surpluses, with contingency, then you don't have to sweat the small stuff.

There are some people who feel hard done by at my hands. My friend John who thought it was OK to use me for free rent, spending money and as a personal life coach to help him over his gambling addiction and general idleness, for example. When life became unmanageable, I chucked him off my back to save myself. Am I supposed to be sorry about that? Why was I carrying him in the first place?

I don't really understand why I attract klingons. I guess it's because I'm a kind and generous person who gives off an aura of success and I make what I do look quite easy, so other people think there's not much effort required to achieve the same things. That's the thing about being good at what you do. You make it look easy.

I certainly have suffered from the "I could do your job" mistake. When CxOs and managers have been fired because they didn't listen to my expert advice, I certainly wouldn't want to take their place. I'm not trying to steal anybody's job. When I was younger, for sure I thought I could do my manager's job, and do it better. The fact that I have proved it, does not actually mean anything... I hated doing those managerial jobs!

Yes, management really is not for me. Somebody else can have the pressure and stress and responsibility. I think it's a vocation, not a job title. I think it's a demotion not a promotion. Those who can, do. Those who can't, must depend on others to do for them, and must be more organised themselves to compensate for the fact that they can't both be both organised and productive.

So, I'm exhausted by having to design, build, lead, argue with idiots who don't know what they're talking about and make dead wood losers look good.

I'm laid low with depression, fatigue.

Sorry about that, klingons.

That is all.

Frankie loves being tucked up warm in bed. We all do during winter. Fatigue and depression are much more serious. I'm suicidal and I can barely get out of bed (November 2007)

Tags: #career #banking #depression #suicide #mentalhealth #frankie

This is a story about cat & mouse...

Catch me if you can. But why are you chasing me? I'm not a bad guy. Trying to prove someone guilty who is innocent is a bit ridiculous. Perhaps you should consider your own guilty conscience.

So, I'm well aware that I have rattled some cages pretty hard. I'm also aware that the slow, lumbering and dimwitted sleeping beasts that I have awakened, will take a while to kick into gear and mobilise against me. I'm aware that my privacy is being infringed (using back doors) in the name of so-called justice.

What the hell am I talking about? Well, as a matter of professionalism, I told my end-client - HSBC - some hard truths that they didn't want to hear, about the fate of their #1 project. Plausible deniability is rather hard to maintain if a highly paid consultant is giving you their expert opinion. Also, my ex-wife, who said that she'd rather that I was dead, has recently received the rather disappointing news that I'm still alive.

I don't actually wish either my ex-wife or HSBC any ill will. I want the biggest bank in Europe to succeed with their #1 project and retain value for the shareholders, and remain as a profitable entity that employs 245,000 people. Those jobs are important: many families are depending on the income from those employees. I want my ex-wife and me to be able to both move on with our lives.

My occupational health doctor at JPMorgan urged me to try and make an ally out of my ex-wife. Sadly, she said that she would divorce me if I accepted life-saving hospital treatment. It's a bit hard to make an alliance with such a person. She marked my suicide note in red pen, with many abusive remarks written in capitals all over it. I'm a good diplomat, but that's kinda hard to deal with.

So, my ex wrote to me and said that she wanted to deny all knowledge that we had ever had a relationship. That's going to be a bit impossible, given that the record of our marriage is in the public domain, and so is our divorce. Anybody can look those things up in the register of marriages, and the court records.

Denying history, like pretending there was no holocaust in World War 2, is not going to work. Pretending that things didn't happen, is not going to lead anywhere good. Her guilty conscience will always follow her around, and there's nothing I can do about that. It's not my fault that she acted in an immoral way. I can't absolve her of her sins, although I do forgive her.

Fundamentally, this is about forgiveness. I always turned the other cheek. I have absolutely no idea why she is violent and aggressive and abusive, but I forgive her. I have no idea why she wants me dead and buried so badly, but I feel sorry for her. I pity her.

So am I bitter? Am I hanging onto things that I should just let go of? Am I agonising over things that were said and done so long ago, that my feelings are invalid?

Actually, it can take a long time to surface things, when you have been abused for a long time. She will claim that she is the abuse victim. Yeah, that makes sense... when I'm the one who was self harming, suicidal, couldn't work, was totally isolated from my friends and family.

She used to boast about hitting ex boyfriends. When she started hitting me, I didn't know how to deal with it. I trashed our flat. Then I started cutting myself. I was going to kill myself. It didn't really fix things.

She has been very quick to forgive herself, to excuse herself.

Frankly, there is no excuse for perpetrating violence and abuse against somebody. I feel very guilty about the times when I have lashed out. It's driven me to the brink of suicide. For her, it seems to have made her cultivate a holier-than-thou fake self image. I don't buy it. Start with kindness and go from there. If you're not kind, you're not a good person, in my opinion.

Every part of me feels like not publishing this. Every instinct tells me not to share these inner demons. That's why I'm going to do it. I'm going to keep pushing myself to share more and more of my inner turmoil.

Obviously it would be really easy for me to just bring out the big guns. It would be really easy to lay out all the evidence that I have collected of the years of abuse that I endured. That kind of character assassination would just be sinking to the same level as my persecutor though. I don't think that's the right thing to do.

Fundamentally, I could just say that I was victimised, and use that as an excuse for what happened later. I didn't do anything to defend myself for a very long time. I got battered but I turned the other cheek. It was beaten into me, to expect violence and abuse to be perpetrated against me, as a passive and kind, soft, caring, innocent confused and trapped victim.

However, my reaction was wrong. I should have been stronger. I should have walked away. I didn't. That makes me an accomplice. That makes me complicit. I helped to perpetuate what was going on, by not removing myself from the vicious cycle.

So, guilty people can be pretty sneaky. They will collect 'evidence' that will support their warped worldview. They will prepare their ammunition for the day that karma catches up with them. They will try and build a base of support, and cultivate an image of guilt-free innocence.

I'm guilty. I'm guilty of sticking around and trying to fix things. I'm guilty of caring too much. I'm guilty of not protecting myself. I'm guilty of letting my defences down. I'm guilty of making mistakes. I'm guilty of hitting back.

Don't let anyone tell you that I'm an abuser. Don't let anyone tell you that I'm out to control anybody. I'm a kind person. I'm a caring person. I'm a loving person. If somebody is telling you a negative narrative about me, you need to consider what their ulterior motive is. You need to consider what guilty conscience is being covered up.

Yes, I'm no saint at all. I'm guilty, not innocent. I'm exposing my conscience to the world. I'm very disappointed with myself about the way I've acted, in a whole bunch of ways. I could tell you all the reasons why I am who I am and why I acted the way that I did, but it's probably better if I just say that I accept responsibility for my actions. I know that there were better ways of going about dealing with things. I know that I would do things differently today. I feel guilty about a bunch of mistakes, even though I know that it was impossible for me to act differently in the circumstances at the time.

If anybody wants to blame me for things, be my guest. I'll even help you. I am going to provide the world with all the evidence and an open account of my wrongdoing. My gut instinct is to start with the rationale behind things, the reasons, the circumstances, the pressures and the stresses. However, that might seem like I'm trying to justify my actions.

Hurting somebody is always wrong. I'm sorry if I've ever hurt you, whoever you are. I really didn't mean to, and I do feel guilt and empathy. You can come and take your pound of flesh if you think it will help. I'm beating myself up, but if you want to inflict even more blows against me, be my guest... I'm used to being a punching bag.

So, is this self-pitying drivel? I have no idea. It's the beginning of a journey for me. Either there will be liberation or there will be death.

That is all.

Frankie the cat lives with my parents. He's pretty much the only living reminder that their son is still surviving, somewhere in the world. Please don't take that away from them (November 2012)

Tags: #divorce #career #banking #suicide #privacy

This is a story about breaking point...

I don't believe in 'rock bottom'. Instead, I feel that I have either run out of fuel or suffered some kind of mechanical failure. You can't drive yourself at the absolute limit forever without some kind of blowout. I have melted my tyres by cornering at high speed.

When I was younger, I pushed myself very hard because I was bored and not at all challenged by what was asked of me. I needed to work many many times harder than my colleagues to prove that my age was no limit to what I could achieve. I've been programming since I was a little boy, so why shouldn't I be better at it than somebody who's been doing it for less years than me?

I had a couple of brilliant teachers growing up, one of whom taught me boolean algebra. If you can master boolean algebra, then there's not much you can't do with a computer. Else if, you're not cut out to be a programmer. End program.

So, I've been doing more or less the same thing in my full-time career for 19 years, because it's a skilled job and is very highly paid. However, there are so many asshats that I must endure in order to get on with my job, which is rather trying. Eventually, the pen-pushers grind me down and I lose my patience with them.

What's really heartbreaking is that I have worked so hard for so long in order to have some time & space to do some things which I actually love and I'm passionate about. However, just when things were seemingly working out for me, people came and picked my pocket.

Now, it's my own fault for being so open and trusting and generous. I have always refused to stop treating others the way I would like to be treated myself. Just because other people are mean and selfish and steal from each other, doesn't mean that I'm going to be like them too.

I imagine that they must feel pretty rotten about themselves, knowing that they have profited from other people's hard labour. I know that we all think of ourselves as relatively hard working. Just remember to look at the evidence. Think about how many 100+ hour weeks you have racked up in your life.

So this isn't about boastfulness, or oneupmanship. It's just about an attitude adjustment. I know that many baby boomers who are in the process of thinking about retirement feel pretty tired and that they have worked pretty hard. Well, I would advise you to look at some hard numbers about just how hard your sons, daughters and grandchildren are working and will have to continue working in order to fund your retirement.

There is a "screw it let's just drown our sorrows" attitude amongst the young, who have no hope of job security, not enough money to buy a house, not enough money to support a family without state support. This is a rational response to a world that has few opportunities left for them.

Underpaying people below the age of 25 is obscene. I was working as a contractor for Research Machines and Lloyds TSB at the age of 20 and they paid me top dollar because my skills and youthful energy got shit done.

It really depresses me, just how many layers of idle and out-of-touch management there are sitting uselessly on top of the toiling youth, while they wait to collect a pension that they didn't contribute enough towards to justify what they are going to withdraw from the system.

The future of children and grandchildren has been mortgaged by profligate baby boomers who were too busy getting stoned and taking LSD to actually ban the bomb and prevent British industry from being asset stripped and having our competitive edge completely destroyed by myopic idiots. Nuclear arms proliferation is not my legacy... it's yours, old people. The lack of jobs for young people is not my fault... it's yours, old people.

Ok, so you might be feeling rotten in your old age, but maybe your body wouldn't feel so bad if it wasn't full of cancer from all the radioactive particles floating around from your nuclear testing? Maybe you'd feel a lot better if the nation hadn't been totally bankrupted by you and your cronies, so we didn't have to cut medical research budgets?

My suggestion? Well, Soylent Green seems a little unpalatable, so perhaps we could just make sure that the burden of austerity falls on those who are responsible. It wasn't a debt binge by young people that caused the current crisis. It was a complete lack of political and social responsibility from the baby boom generation, that meant that the landed gentry had their hands in the safe, helping themselves to all the loot, while you sneering arrogant wannabe pensioners were drinking and smoking and taking drugs.

So, we have a very cold bitter winter ahead of ourselves. Everything is going to hell in a hand cart. Please please please remember not to blame your children for the implosion of the world and the collapse of society. Your pension is a privilege you get for leaving the world a better place than you found it, and I'm afraid you have no right to take something you didn't pay for.

I'm really reluctant to do another round of propping up a broken system, for the benefit of a bunch of ungrateful twats who show no appreciation. I think I'm going to stand back and watch the whole thing burn down.

That is all.

This is my sister's cat, Calcifer. He was catnapped. Us young people are struggling to look after our loved ones, because we are under too much pressure to work 6 or 7 days a week on hardly any money... baby boomers have no idea how hard it is being young (September 2014)

Tags: #career #parents #childhood

This is a story about psychoactive substances...

Here's an example of the kind of run-of the-mill parties I used to throw for all my friends. I once spent £700 on sparkling wine during one particularly lavish garden party. I think I was a bit of a 'lush'.

Drinking culture is sometimes celebrated. Certainly throughout the City, we thought it pretty normal to be slightly sloshed at our desks after lunch quite often. After work was carnage. A copious amount of alcohol was consumed by all involved.

I worked for HSBC for a little over 4 years, and JPMorgan for a further 3 and a bit, before my body really needed a break. At my leaving do I was downing shots at 4am with an alcoholic who later needed a liver transplant. The consumption was unchecked and rampaged out of control.

So, I've not been drinking for 52 days and I don't go to Alcoholics Anonymous meetings, so I can't be an alcoholic, can I? The definition of somebody who is an addict or an alcoholic is somebody who can't stop taking a substance, despite the detrimental effects on their life. Seeing as I don't drink or take drugs, I can't be an alcoholic or an addict. Quod erat demonstrandum.

In fact, I'm not somebody you normally meet. I don't drink tea, coffee or other caffeinated beverages, such as Coca-Cola and Red Bull. I don't smoke. I don't drink. I don't take any medication. I don't take any legal or illegal drugs. That makes me a real oddity.

People like to say "I can quit anytime I want" and are particularly adept at avoiding their most obvious addiction... caffeine. I've written about it before, but it's worth reminding people... you're probably addicted to caffeine but in denial. You need to give it up for over 3 days to really experience withdrawal, because you have reached steady blood-plasma concentration which means that it will take that long before you start feeling the withdrawal and cravings.

So, basically, don't lecture me on addiction until you reach the level of clean living that I have achieved. I'm not lecturing you. I'm just giving you the facts and telling you why I won't listen to a hypocritical word you say until you prove your 'willpower' to me.

On the topic of mood stability: I self-medicated successfully for years using caffeine to fight depression & somnolence, especially during winter. I used alcohol to calm my anxiety and racing thoughts, and treat my insomnia. I had a high-powered job and successful career throughout, so it's hardly like anybody can argue that I was not extremely adept at self-medicating.

Except that one day, my body decided it had enough. I was struck with extreme fatigue and depression that was completely debilitating. If you say "oh just get out of bed and stop complaining" after somebody has worked as many hours as I have done, don't be surprised if you get punched in the face.

It's not a competition. Except that it is. There's an arms race in the City. Who can stay later than their boss to try and impress and get that big bonus. And then when everyone has stayed later than the boss, the game is to stay later than each other. How late can you send an email to the boss, basically saying "just leaving the office now [you should know that I won the prize of working hardest]".

Sadly, that's pretty much how the bonuses and promotions get decided... who's worked the longest hours and raised awareness of just how hard they've been working, louder than anybody else. If you want to get to the top of the pyramid scheme you have to clamber over the other clawing bodies in the pit with you.

Getting ahead in your career is also dependent on how well you handle your ale. Yes, there is a lot of machismo in drinking culture. Going home and not going out drinking can damage your career. You need to be seen to be seen. You have to wait until everybody is so drunk that nobody remembers you leaving, before you slope off home.

So, between strong coffee and lots of beer & wine, that pretty much fuelled the first 11 years of my career. It certainly worked, in terms of pay & promotions, but it cost me a lot in terms of health. Not obvious health, like having to have a liver transplant luckily, but more subtle than that. My body & brain are just not very good at managing without stimulants and depressants to manage my mood... I've been drinking heavily with workmates since the age of 17.

So, if you think I'm less of a person for struggling with my moods and you are looking for an obvious thing to point the finger at, you are going to be disappointed if you want to point at drink & drugs, because I'm abstinent from both.

You might also want to consider your own relationship with alcohol and caffeine before you brand any labels on anybody. You would be surprised to learn about your own 'addictive personality'.

There's actually no such thing as an addictive personality. We are all programmed to like food, sex, gambling. Our brains are all affected by plant alkalis and alcohol and other substances that will cross the blood-brain barrier. You're no different from me.

That is all.

Cheers! (July 2009)

Tags: #addiction #drugs #mentalhealth #career

This is a story about intrusive thoughts...

I've never been able to find the 'off' button for my brain or my mouth. That's a problem.

I also have a rather photographic memory, and can construct well reasoned arguments based on evidence. Most people just tend to go with their gut feeling, and are happy to be wrong about things, because what they want to be true feels more natural to them. Being wrong is also great if you want to carry on living your decadent hedonistic life in ignorant bliss of the suffering that it causes to other people.

Sadly, if you have a rational, logical brain, good memory and you have collected a lot of varied experiences from around the world, so that you can compare and contrast everything that you see and integrate it into a 'big picture' then you have a limited tolerance for small minded people.

Yes, this is extremely condescending. Sorry about that.

So, fundamentally, I lost my job went homeless and wailed at the moon because of an existential crisis. The first thing I did when I got back to London was to sign up for a Philosophy course. I feel that I have died a thousand deaths, and I fear not one more. My priorities in life are a little different from yours.

The bottom line is this: all this talk of ending war & poverty is hot air. Many years have passed since the so-called 'enlightenment' and we are still allowing evil deeds to be committed in our name. You cannot fight for peace, just like you cannot fuck for virginity.

The war on terror is terrorism. Look at the faces of refugees fleeing the illegal wars in the Middle East. They are terrified.

That is all.

Tags: #homeless #terrorism #notanonymous #politics #career #london #bipolar #politics

This is a story about goodbyes...

Oh, Megabank Plc. I would go to the ends of the Earth for you. Shame the feeling wasn't mutual and you grew tired of my unique style. Oh well. Best of luck with the #1 project and looking after your 213,000 shareholders in 131 countries, 48 million customers and 245,000 employees in 72 countries.

Here is a picture of a random homeless guy.

Tags: #banking #career #homeless #london #frankie #capitalism #notanonymous

This is a story about ethics...

The difference between a white hat hacker and a black hat hacker is that the former is ethical and the latter is not. A black hat is out for fame or personal gain.

I signed the Official Secrets Act when I was 17, which means that I can't tell you that I hacked British Aerospace's servers when I was 18 and released details of everybody's salaries, as a protest about wage inequality. They covered it up anyway, but you can never stop loose tongues wagging, and I wound up on a watch list at GCHQ. Oops.

I did something similar at Barclays. Again, people tried to cover it up. If you try and cover up an ethical hacker's work, you normally end up in trouble yourself. Just be ethical yourself... nothing to hide, nothing to fear.

I've had the opportunity to defraud my employers out of millions of dollars and be living on a beautiful coral sand island, safe from extradition provided I never set foot back in Europe or North America. At JPMorgan, I knew about a rounding error with Derivative settlements and I knew that our reconciliations weren't picking it up. There were literally billions that were missing and nobody knew except for a handful of programmers.

I'm not a bank robber. I'm trying to help the banks.

At a security briefing for a higher level of clearance, with DERA (Defence Evaluation and Research Agency, which is now QinetiQ) I was told to mistrust attractive women, Chinese people... I was told these people were probably spies. Lolz.

I decided that I didn't like working for the defence industry. They've got dirt on me. They have photos of me sleeping with my male boss. I was only 18, like I said... it was too easy for them to do something like that. Like taking candy from a baby.

I worked on two software systems that were linked with a fibre-optic cable and used quantum entanglement to verify that there was no man-in-the-middle snooping attack going on. That's paranoid, considering that I worked on a military site guarded by Marines with guns, and my car was searched every day.

So, if I seem a little paranoid, it's because I've been trained to be.

I've stood above the working nuclear reactor on Swiftsure and Trafalgar class submarines, and peered into the core and seen the Cherenkov radiation. I've seen the propulsion units that no civilian is supposed to see. These are hunter-killer machines that run seriously quiet.

I know things that I'm not supposed to know. Oops.

So... please leave me be. I'm just trying to do the right thing. I'm trying to be more grown up and consider the wider ramifications of everything I do, but sometimes I feel like nobody wants to act ethically.

Look at the vast number of refugees fleeing wars. Look at the vast number of families who are financially struggling. Their need is greater.

That is all.

Tags: #career #computing #privacy #politics #hacking #civildisobedience

This is a story about turning a blind eye...

I have a moral dilemma. Do I whistle blow or go public with the things I know, tomorrow, when I lose my contract at HSBC.

How do I know I'm going to lose my contract? Well, I've rattled the cage pretty hard. The problem is that I care more about the shareholders, customers and employees, plus the stability of the global financial system, than I do about some idiots playing silly political games.

Fundamentally, I do believe that markets are efficient if they are free from political influence. Also, markets only really work if there is free trade and a single currency. Trade tarriffs, sanctions and so-called 'hard' currencies are the new way that wars are waged and nations enslaved, and I'm not OK with that.

It's pretty clear that a crash is inevitable now, but I don't want to see the baby thrown out with the bath water. The laws, financial instruments, systems and infrastructure that allow capital to flow, should not be swept away.

Anti-capitalism is wrong. It's the perversion of capitalism by 'rigging the system' like Bretton Woods, that is wrong. It's the insanity of having financial instruments that are not underwritten with collatteral, like Credit Default Swaps, that is wrong. It's the institutional investors who buy every company of a certain market cap, thus creating a market for junk stock, provided its valuation can be pumped up unrealistically with ridiculous Profit:Equity (P:E) ratios (a.k.a Price:Earnings).

If we expel the money lenders from their temples, we only set back our civilisation. There will be chaos and greater inequality as a result. Just look at how the oligarchs monopolised everything after the fall of the USSR.

I'm really cut up right now by the strong desire to do the right thing, and I know that it will probably hurt me most of all. However, I'm not out to hurt anybody. I just couldn't live with myself knowing I stood by and didn't do anything when evil deeds are afoot.

Even if they're not totally evil deeds. People are still sleepwalking right into another major crisis. This one doesn't even seem to have an elegant central system designed to help things unwind with at least a little preplanning. It's all about that lack of joined-up-thinking that will cause an unpredictable domino-effect.

So, wish me luck in the morning.

I wish I was a cat and I didn't know any better. Ignorance is bliss (October 2014)

Tags: #banking #career #london #frankie #politics #capitalism #hsbc

This is a story about social engineering...

The first rule of bus stop club is: you don't talk about bus stop club. The second rule of bus stop club is: you don't talk about bus stop club. The third rule of bus stop club is: don't jump off the bus stop... it's quite high.

I work on the Customer Due Diligence project for HSBC. We are expected to do due diligence on 48 million customers in 61 countries worldwide. HSBC is not very good at due diligence, mainly because they won't listen to the experts.

When I was employed - as a disguised employee - by HSBC to work on the project, I was no fixed abode (homeless) and I was at the limit of my overdraft and credit cards. I had no income. I guess that technically made me bankrupt... except that it took me 4 days to get the job. That's a record... it normally takes me less.

When you are honest, hard working, dedicated, an expert, passionate and have integrity, you don't tend to have a lot of problems finding work. My main problem is finding anything that I'm interested in doing. Making the lives of 48 million customers a little better, and trying to save 245,000 jobs and create 13,000 new jobs is interesting to me. That's why I got up and went to the interview with HSBC.

So, this sounds super arrogant. Yes, sorry. There's absolutely no doubt that I'm only a very small cog in a very big machine. However, try buying a Rolex watch and removing one of the little cogs and see if it still works.

Teamwork is what gets stuff done, but every member of the team needs to be valued equally. Equality is important. Valuing people is important. Everything is awesome when we are part of a team. Everything is better when we stick together.

Here's me going to my interview... just opposite the bus stop where me and my other homeless friends hung out. I actually wasn't going to go... there were far more interesting projects at Meganews Corporation, Mega Credit Card, Mega TV Station, Mega Investment Bank(s), Mega Petroleum Company... London is not short of roles for software engineers. The agent convinced me to get up, have a shower, get dressed and go to the damn interview. I was glad that I did.

The way the whole system is set up with economic incentives, meant that rules were probably bent in terms of background checks. Nobody cared that my credit score was probably terrible - living on your credit card because society has abandoned you, is not great for your computer credit score. Nobody cared that I was no fixed abode (homeless) because the whole thing was arranged via email and mobile phone.

I guess this was an experiment in social mobility. I can tell you where all the 'gates' are that will prevent the 'wrong sort' of people from getting ahead. I did nothing illegal or fraudulent. I was just trying to get myself off the streets. I was just trying to move from surviving to thriving. I was barely surviving. I had countless hospital admissions in 2014 and 2015. Living on the streets and in hostels is hard.

Imagine being in a 14-bed dormitory with your one suit. Imagine how many people there are snoring in that room. Imagine how many people want to use the one bathroom in the morning. Imagine people knocking your ironed shirt off the bunk bed where it was hanging up, onto the dirty floor. Just put it in the washing machine, right? Oh... you share that washing machine with 120 people? Oh dear.

I used to go and sleep in Royal Kensington Park Gardens or on Hampstead Heath just to get some damn peaceful sleep. The sound of snoring and smell of sweaty bodies just gets too much to bear at times. Yes, sleeping under the stars and waking up to beautiful views like the one above is kinda sh1ts and giggles... when the weather permits.

Yes, you have to be very in tune with nature, with the weather and the seasons, if you want to survive. You also need some really high quality gear. The only reason why I was able to cope through a pretty rough patch is that I'm well trained and disciplined. I have the Dorset Expeditionary Society to thank for that.

I can live small and neat. Take only photographs, leave only footprints. Park rangers used to leave me alone because I would be camping out with nothing but respect for my environment and mindful of the fact that I'm just one of millions of Londoners using the incredible green spaces.

Fundamentally, we are animals. We are animals that need to sleep and eat. We need to be warm and feel comforted by the presence of each other... we are social animals after all. We were not supposed to be isolated in a concrete jungle, surrounded by glass and steel and right-angles that would never appear in a natural setting.

I am also seasonally affected. I think it's bad enough to say that it qualifies as Seasonal Affective Disorder (SAD). When the clocks go back and the days get shorter, I feel the need to hibernate. I get tired & depressed. Especially if my employer is not particularly supportive about me taking time out to top up the sunshine that I need to live. I'm literally solar powered... we all are.

Frankie the cat in his natural habitat. He loved his garden. So did I (June 2007)

Tags: #homeless #frankie #banking #career #london #computing #mentalhealth #hsbc