 Susan Rice  Managing director of Lloyds  Banking Group in Scotland  Nominated by Wendy alexander MSP  Ostensibly, Susan fails the  influential Scotswoman  test. She is an american; she is a member of the reviled tribe of  bankers ; and she lacks her own Wikipedia profile, that barometer of status in our celebrity-driven age. If influential simply means successful, Susan certainly passes muster. Having started as an academic and Yale University dean, she later switched to banking, becoming the first woman to lead a British clearing bank. She is currently managing director of Lloyds Banking Group in Scotland.  But real  influence  is surely about more than simply success. It is about significance; the determination to make a difference. and Susan s  significance stems from the contribution she makes to Scottish life.  Susan not only has a social conscience but a civic, artistic and environmental one, too. Our paths first crossed 10 years ago when I was Scotland s communities minister and she was a banker committed to supporting the right of everyone to a proper bank account. She was a founding director of the Charity Bank. She has served both the Scottish and UK governments i 