Nick Elias

Lavanya Chari

In this newly created role, Elias will enable HSBC to further embed artificial intelligence (AI) into platforms and services to make interactions with clients simpler, faster and more personalised. He will be part of the Wealth and Premier Solutions team that provides banking, investment and wealth management solutions to mass affluent, high net worth and ultra-high net worth clients across HSBC’s client continuum, including HSBC Private Bank clients.

He will also lead the bank's Wealth Transformation Programme to build a wealth business model. He will accelerate experiences, deliver AI capabilities that support client-facing colleagues and embed them in client journeys, HSBC said in a statement. This includes scaling Wealth Intelligence, HSBC's generative AI platform that supports stronger client outcomes through high-quality market insights and personalised investment strategies.

Since joining HSBC in 2012, Elias has held roles across frontline corporate banking, wholesale banking and frontline transformation. He is global head of customer relationship management, within the corporate and institutional banking (CIB) chief operating office (COO) function, where he has led the digital vision for CIB’s global frontline ecosystem and the delivery of AI-enabled platforms across the client lifecycle.

“Nick’s appointment is a key milestone for our wealth business,” Chari said. “It strengthens the digital platforms that power our proposition and accelerates our AI capability, so we can bring deeper insight, more personalisation, and a better end-to-end experience as clients pursue their wealth goals.”

Burges Salmon
UK law firm has appointed Terry Koizou (pictured below) as head of client relationship management in its UK corporate banking business.
 

Terry Koizou

In November 2025, Investec said it aims to provide relationship banking to 1,000 mid-market businesses across the UK by FY2030, in a market of more than 60,000 companies. The bank expects to grow to over 40 relationship managers.

Koizou joins Simon Jacobs, who joined in September as chief operating officer, and Dean Sullivan, who joined in June this year as credit and risk head.

Before Investec, Koizou held senior roles at Citi Commercial Bank, where he led the business and professional services and non-bank financial institutions client coverage teams across the UK. He has more than 20 years of banking and finance experience.

Given that many high net worth and UHNW individuals are business owners, and need access to corporate and investment banking in tandem with their private wealth needs, lenders such as Investec point out the benefits, as they see it, of providing such services in one institution.