Ruth Handcock is CEO of Octopus Money, a money advice brand for everyone. The new brand – Octopus Group’s second mass consumer brand alongside Octopus Energy – offers money coaching and advice to millions of people across the UK, regardless of how much they earn or are able to invest. For her first 5 years as part of the Octopus Group, Ruth was Chief Executive Officer at Octopus Investments, an asset manager with £13bn under management. Prior to this, she was a founding employee at Tandem, a new UK Challenger Bank, and was responsible for achieving their banking licence. Ruth started her career with eight years in strategic consultancy, before joining Bacardi as Finance Director of their Martini & Cognac portfolios. She is an independent non-Executive Director of Aldermore Bank and sits on the Octopus Group main Board.