Richard Lockwood is Head of Northern European Distribution for Morgan Stanley Investment Management. He joined Morgan Stanley in 2004 and has 34 years of industry experience. Prior to joining the firm, he worked at ABN Amro as Director of Institutional Business Development. Previously, he worked as Business Development Director at Fleming Asset Management and prior to that, as Finance Director at Fleming Pooled Pensions. Lockwood received a BSc in mathematics from the University of Manchester and is a fellow of the Institute of Actuaries.