Chris Gower is the Executive Director for the Cross- industry Insights Division of APRA. The division is responsible for risk analysis, insight and response, with the aim of identifying risks as they emerge and ensuring regulated entities respond appropriately. Chris joined APRA in 2013 and has held various senior roles across APRA’s different functions. He has a deep understanding of prudential regulation, end-to-end supervision, enforcement and resolution activities. Prior to joining APRA, Chris worked at the Bank of England for a number of years following the global financial crisis, and prior to that as a lawyer in London. Chris has degrees in law from the University of Manchester and University of Cambridge.