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 the lives of others...

The more a person spies on another person, the more they see themself reflected back. The more they sympathise and see the ordinary humanity in the person that they are spying on. The more empathy they feel, the more they start to doubt the ethics of spying.

We can use software to do a lot of the 'heavy lifting' of spying, but we still need intelligence officers to actually then do in-depth analysis after red flags are raised by the systems that monitor our electronic communication.

These analysts may then be sanctioned to perform further, more in-depth snooping, if there looks to be a strong case to justify the further intrusion into the life of that citizen. They have to argue the case to their superiors. They also have to argue the case because it's their job to make cases. If they didn't think anybody was worth spying on, there wouldn't be any jobs in the intelligence field.

When a case is accepted, then even more information is gathered, sometimes at great expense. Then, somebody has to pick up the bill. It's time to start building a case now against that person, to make them pick up the bill.

The usual ways that the intelligence agencies will make their citizens pay would be prosecution for terrorism, fraud, drug trafficking, prostitution, human trafficking, weapons. Unfortunately, this can also extend to anti-establishment activity, which would not be criminal. The only payback would be a smear campaign, which is a lot easier if you have lots of juicy details about that person's private life that you have snooped without their knowledge.

There's never any backing down. Nobody will ever say "On reflection, I was wrong and we should not have pryed into the private life of this citizen" because nobody wants to look stupid. Everybody wants to justify the case that was made and actions that were taken.

All I'm going to say is this: I'm only human, and I've never engaged in organised crime or terrorism.

That is all.

Tags: #privacy #politics #civildisobedience #notanonymous

This is a story of queue jumping and those who get left behind...

I keep this in my wallet, to remind myself not to be one 0f the self-important pricks who thinks they deserve their position in the world. It reminds me that it's never OK to barge in front of the struggling masses. I found it in the middle of a forest in Ireland. The former owner, I imagine, was a jumped-up London eedjit who littered one of the most beautiful and unspoilt parts of our world I have ever seen. This little patch of green is one of the few places to not have been totally screwed by selfish and greedy monsters.

This keepsake also reminds me of the day that I decided to make a switch, from being so consumed with the rat race that I was unable to stop and smell the roses, to notice that there are very few places left that have not got massive concrete tower blocks, huge piles of plastic rubbish, terrible air quality, polluted rivers and all the increasingly obvious signs that the human race is acting with little or no care for the future of the planet.

It also marks the day that I reconnected with nature, having been stuck in the concrete jungle for far too long. The problem with London is, that unless you have a healthy outdoor hobby, like cycling or surfing, you have very little connection with your environment. We live under artificial lighting 24 hours a day, and our views are dominated by huge buildings, not towering trees.

Another problem with London is the drinking culture. I'm not sure if London drinks alcohol to switch off and get some sleep, after all those strong coffees, or whether to numb the realisation that the standard of living is actually pretty poor, when you consider long commutes, high rents, overcrowding, crime rates and poverty everywhere you look (except for Canary Wharf, which is a private estate).

So, I decided that I am going to quit drinking. This is harder than you would think, when you work in an industry where a standard interview joke with a candidate is "Do you drink? Don't worry if you don't, we can send you on a course". They closed the bars in offices, as the City has cleaned up its image, but you can still roll from your desk straight to a bar within barely a few strides.

Let's be clear about my drinking though. I drank pints of lager out with the lads from work. Drinking spirits and drinking alone set of alarm bells in my head, luckily, but binge drinking huge amounts of beer is not good either, even if everyone else around you is doing it too.

It has taken some time to prepare my colleagues for the relinquishment of my final vice. I have never smoked in my life. I gave up caffeine over the last year or so and I am now completely decaffeinated. I am targeting targeting a 1 pint a week, which will be cut to zero in October. This is a drastic reduction from having 5 or 6 pints of Peroni (over 5% alcohol) on a midweek evening, and my body and my colleagues have felt the impact.

So, at first, my body was extremely unhappy about going alcohol free. My sleep was terrible. I was waking up sweating in the middle of the night. In the morning I felt like I was full of flu: aching joints, feeling sick, painful abdomen. This was when I was STOPPING... surely we are supposed to feel better, not worse? Well, as it turns out, it takes quite a long time before you start to feel better.

I was shocked by how long it has taken me to taper my alcohol consumption down to just a single social drink, which I accepted on the proviso that nobody was allowed to pressure me into having another one, and I would go home after I had finished it. My colleagues carried on and were nursing hangovers the next day. I felt surprisingly rubbish after only 1 pint, but I was able to get up and have my breakfast at the normal time.

I think it really is like my friend, Tim, often jokes: "I'm not an alcoholic, because alcoholics go to meetings". The City runs on that kind of gallows humour. However, I have now started to lose friends and colleagues to alcoholism, and many more are very ill indeed. I don't want to be next.

Could this be my last ever pint? My body and brain wish it was (October 2014)

Tags: #career #london #alcohol #addiction #mentalhealth #banking