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Justin is the Head of Brand Marketing & Customer Initiative Management for Capital One in Europe and sits on the leadership team of Capital One in Europe. Justin runs marketing strategy and execution, brand strategy, proposition and campaign development for Capital One. Capital One is a major player in credit cards with some savings products. Having gained over 4m customers in a little over 10 years Capital One has consistently challenged the UK market with better value products and a powerful brand marketing approach. Prior to joining Capital One, Justin led the marketing and communications function of Global Banking at Deutsche Bank. Global Banking comprises the corporate finance, capital markets origination, client coverage and transaction banking businesses of Deutsche Bank. Justin started his career with Procter & Gamble, working in the European and then Global Health and Beauty Care business on Pantene and then Olay. Justin moved from P&G to join Added Value, the brand and marketing consultancy (part of WPP). Entrepreneurism then called and he led the launch of the London operation of a niche Swedish brand management consultancy called Differ. Whilst a consultant with Added Value and Differ Justin worked on a range of brand and marketing issues for a diverse set of companies and start-ups including Mars, egg, SEB, Telewest, Hyperion Insurance, Shell, World Online and Ericsson. In 2008 Justin was voted the Financial Services Forum Marketer of the Year and was #1 in the Power 100 of Marketing Direct's list of most important marketing leaders in the UK for his leadership in environmental marketing issues. Justin has written on a range of marketing, branding and channel issues, as well as lecturing at London Business School on Brand Management. He has a first class Honours degree in Biochemistry with Molecular Genetics and Biotechnology from the University of Bristol. Justin lives in London, UK with his family.