Moray has worked across retail and business financial services in the UK, Southern Europe and Asia for more than 30 years. He has contributed to financial policy through Australian and UK Central Bank enquiries, CMA Hearings and Treasury Select Committee appearances. He chaired the UK Council of Mortgage Lenders and was a member of the British Bankers Association/UK Finance Retail Board, delivering innovations such as Open Banking standards, Current Account Switching and Digital Cheque Imaging. He now supports the banking practice at Bain and Company as an external advisor.
His not-for-profit interests include chairing two Australian charities and, in 2017, forming an informal group with the CEOs of the 3 main UK debt advice charities to improve the debt advice journey for customers.