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Tracy Garrad

Financial Services Ambassador

“Jersey is so well connected” “Because of the close proximity of everything on the island we’re able to fit in a diverse range of activities in a short space of time.”

Tracy Garrad is the Chief Executive Officer of HSBC Channel Islands and Isle of Man, with responsibility for all of the Bank’s local operations including the Retail and Commercial Bank, HSBC Bank Plc, and the Private Banking and Trust businesses of the Group. Tracy took up this role in February 2017 following four years at the helm of first direct, the UK’s number one bank for customer satisfaction and recommendation, where she was the first female to hold the role in the history of first direct.

Tracy has extensive experience of business led technology and operational transformation programmes, having spent 10 years at Banco Santander, first in the Technology division reaching the position of Divisional CIO and subsequently business leadership of two of the major UK post acquisition integrations. Tracy has international operational leadership experience across Europe and the Middle East and a special interest in furthering Digital Innovation .

Prior experience also includes the Retail and Automotive sectors, spanning roles in Operational and Commercial Management, Marketing, and Public Affairs.

Her executive education includes London Business School and IESE. Beyond her responsibilities within HSBC, Tracy is a VP for the UK Institute of Customer Service, plays an Ambassador role for HSBC with the Prince’s Trust, supports the national and regional Boards of Maggie’s Cancer Centres and is a Leader in Residence at Leeds University Business School. She is married with two children of 24 and 20.

At the forefront of global finance for over 50 years
Key Sectors Financial Services

Jersey is one of the world’s leading international finance centres. We are proud of our forward-thinking approach, robust regulatory framework and political and economic stability.

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