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David Swan is a Director within Cognizant Consulting’s Banking, Finance and Insurance Practice. He has worked in financial services for over 20 years and has watched recent regulatory and societal changes with interest. He leads a life and pensions team of industry subject matter experts who help clients with their response to these changes and what it might mean for the industry of the future. David is a graduate of the University of Edinburgh with a degree in Physics. He can be reached at