Thomas Joy is a Pension & Benefits Manager at the Royal Bank of Scotland, leading the delivery of the bank’s financial wellbeing strategy to 70,000 colleagues globally. He’s also a member of the Money and Pension Service’s Financial Capability Steering Group, advising on the provision of financial wellbeing to working age adults in the UK. Thomas is particularly passionate about the way that our feelings and upbringing shape our spending decisions, and embraces every opportunity to get us all talking about money. Between his in-house podcast and Carpool Karaoke, there’s rarely a moment when he isn’t singing about financial wellbeing to his colleagues.