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Born and raised in Cardiff, Howell was educated in Cardiff at Cathays High School before undertaking a Mathematics Honours Degree at Bristol University. He joined Price Waterhouse in Cardiff in 1975 immediately after graduating, qualifying as an accountant in 1978. He remained with the firm, which subsequently became PwC, until 2013, having been admitted to partnership in 1988, working at different times in Wales, the West Country and London. Since retiring from the partnership, he continued to perform some consultancy work for PwC until 31 December 2021. Howell has been Senior Independent Director of Principality Building Society and was formerly a trustee of both St John Ambulance Cymru and the National Botanic Garden of Wales. He is currently also a trustee of Community Foundation Wales. He has developed a personal interest in contemporary art in the last 20 years.

Born and raised in Cardiff, Howell was educated in Cardiff at Cathays High School before undertaking a Mathematics Honours Degree at Bristol University. He joined Price Waterhouse in Cardiff in 1975 immediately after graduating, qualifying as an accountant in 1978. He remained with the firm, which subsequently became PwC, until 2013, having been admitted to partnership in 1988, working at different times in Wales, the West Country and London. Since retiring from the partnership, he continued to perform some consultancy work for PwC until 31 December 2021. Howell has been Senior Independent Director of Principality Building Society and was formerly a trustee of both St John Ambulance Cymru and the National Botanic Garden of Wales. He is currently also a trustee of Community Foundation Wales. He has developed a personal interest in contemporary art in the last 20 years.