David has worked in financial services for over 40 years. At Barclays he worked for three Group chairmen, helped set up Large Corporate Banking, had wide experience in SME and consumer banking and ran the Group’s IT and operations function. David subsequently led Commercial Banking for Lloyds Bank, then was chief executive of Cattles PLC (a consumer finance and invoice finance business) before joining Moneycorp (an independent FX provider) as CEO. Before joining UK Finance David spent eight years at Bibby Financial Services as the chief executive.

Bob Wigley spent his banking career with Morgan Grenfell and Merrill Lynch and was EMEA Chairman of Merrill Lynch between 2003 and 2009. Between 2006 and 2009 he was a member of the Court of the Bank of England. He is a past member of the Takeover Panel, the FSA’s Senior Practitioners Panel and was the FSA’s nominated representative on the Council of European Securities Regulators Market Consultation Panel.

He led a group of industry Chairman and Chief Executives to author a report on the competitiveness of London as a global financial centre “London, Winning in the Decade Ahead” and chaired the Green Investment Bank Commission. Since leaving banking, he has chaired and invested in a number of Fintech companies. Bob was instrumental in the creation of TheCityUK and has been on its advisory board since its formation.

Jackie is director of UK Finance’s cards and consumer credit area. The consumer credit team supports all aspects of consumer lending products with particular expertise in cards, loans and overdrafts.

For the ten years prior to joining UK Finance Jackie held the position of General Counsel at MBNA, where she was also a member of the senior leadership team and advisor to the main Board. She joined the MBNA legal department in 1997 following her early career in private practice and in-house legal roles within financial services.

In her part time role as Senior Advisor Jackie uses her 20 years of experience in the mortgage industry to support the work of UK Finance, where she was Director of Mortgages between 2018 and 2020. Between 2001 and 2014 Jackie worked at the Council of Mortgage Lenders (CML), one of the bodies integrated into UK Finance in July 2017. She was Head of Policy at the CML for ten years, delivering on key initiatives related to mortgage regulation and vulnerable customers. Prior to joining UK Finance, Jackie worked for two different mortgage lenders in senior compliance roles. She also served as Deputy Manager for property and household at Association of British Insurers (ABI), having spent her early career working in a variety of police and criminal policy roles at the Home Office. 

Sarah is Managing Director of Corporate Affairs and Strategic Policy and is responsible for the overall strategy and delivery of UK Finance’s external activity including press and campaigns, UK and international advocacy, regulatory policy, sustainability policy, content, design and marketing.

Prior to joining UK Finance, Sarah was Director of Media Relations at London Stock Exchange Group and has worked across a range of corporate affairs and policy disciplines at the Financial Conduct Authority (FCA), the Bank of England, the Federal Reserve Bank of New York and the Association of British Insurers. She also worked as press secretary to Andrew Bailey as Deputy Governor of the Bank of England, acting as his Special Adviser when he then became the FCA’s Chief Executive.

Sarah is also a trustee of the Royal Institute of British Architects.

Angus joined UK Finance in January 2018 and has particular responsibility for UK Finance engagement internationally, including our work on future access to key markets abroad (including the EU). He has had a long career as a financial services policy professional in public service, including working at the European parliament, the UK Financial Services Authority and the Bank of England, before returning to the private sector as a member of Goldman Sachs’ EMEA government relations team. Angus also held the position of head of Brexit at the Investment Association.

Julie joined UK Finance in March 2020 as Managing Director, Major Projects. Reporting to the CEO as part of the executive leadership team, she is responsible for leading the delivery and execution of mission critical, high profile, large-scale industry projects.

Prior to joining UK Finance, Julie was Global Head of Operations and Chief of Staff at TP Icap. Spanning a 30 year career, Julie has held a number of senior roles delivering and implementing large-scale strategic projects and organisational transformation programmes across operations and technology. Julie spent the earlier part of her career in roles at Deutsche Bank, Nikko Europe and UBS. Julie is also a Trustee of Leadership through Sport and Business and Futures for Kids.

Daniel currently leads UK Finance’s policy, advocacy and public/private partnership relating to Fraud.  In this role, he oversees the organisation’s work on Authorised Fraud and Information Sharing.  He also supports Policy & Strategy coordination across Economic Crime.

Daniel joined UK Finance in 2017 and his previous leadership experience include as Director responsible for the organisation’s work on LIBOR transition, supporting firms across our membership during this change.  As Director, Commercial Finance, he also previously led on a range of commercial banking activity including stakeholder engagement, access to banking and finance, and regulatory change.

Daniel started his career in Deloitte’s Banking and Capital Markets group where he served a range of financial services clients in assurance and advisory engagements.  He is a Chartered Accountant and Chartered Banker, and a graduate of the University of Cambridge.

In his role as director of commercial, marketing, events and training, Jason has responsibility for designing and building the associate membership programme, now numbering over 200 organisations, which sets out to assist, collaborate, share and inform members. He assisted in merging the commercial functions of four of the six trade organisations when UK Finance was created in July 2017. Jason has almost 25 years commercial experience spanning both marketing and relationship management. He joined the British Bankers’ Association (BBA) in 2008 as commercial director, responsible for the commercial activity covering events, training and associate membership business streams. Prior to that, Jason worked for the Chartered Institute of Public Finance and Accountancy (CIPFA) as head of marketing for 14 years, gaining an MA in Marketing and receiving Chartered Institute of Marketing (CIM) Chartered Marketer status.

Mike has policy responsibility for commercial finance at UK Finance, which covers the corporate and SME markets. This includes engagement with government, regulators and key market stakeholders on access to finance, enhanced customer protection, serving customers better, supporting the economy and competitiveness.

Prior to joining UK Finance, Mike gained over 35 years’ experience in the banking industry at HSBC, in branch, regional and head office roles, including retail and commercial banking, marketing, strategic planning and implementation, e-commerce. He also led on SME, commercial and corporate banking policy issues including the Business Finance Taskforce. While at HSBC, Mike completed two secondments with the London Enterprise Agency and HM Treasury. He is an associate of the Chartered Institute of Bankers.

Lee has worked at UK Finance since 2018 and leads on strategic policy and planning matters. Prior to joining UK Finance, he worked at the Institute of Physics (IOP) where he advocated for policies aimed at increasing spending on scientific research and education, amongst other issues. He also spent three years as a Parliamentary Assistant to an MP, during which time he dealt with a range of policy and political topics. He holds degrees in both history and politics and mathematics.

Matthew is Director of UK Finance’s Invoice Finance and Asset Based Lending area, with particular expertise in supporting small and mid-sized businesses. 

Prior to the formation of UK Finance, Matthew was deputy chief executive of the Asset Based Finance Association (ABFA), having joined as head of government affairs in 2011. He was previously joint head of public affairs at specialist law firm Bircham Dyson Bell, advising clients across healthcare, transport, retail and infrastructure. Before that Matthew was a director at DLA Piper’s global government relations practice, where his clients ranged from financial services businesses to overseas governments. 

Andy is UK Finance’s Director of Communications.

He joined UK Finance in 2021, initially as Director of Communications, from the consultancy Maitland/AMO, where he advised a wide range of clients on their communications activities. Prior to that he worked at HM Treasury in the financial services policy team, including two years at UK Financial Investments, the body established following the financial crisis to hold the Government’s stakes in the recapitalised banks. He started his career at Barclays working in their corporate banking division.

Ben Donaldson OBE is our Managing Director for Economic Crime. His teams work on behalf of our members across fraud, financial crime, sanctions, and export controls. The UK Finance Economic Crime team provides traditional trade association services to our members, but also a range of operational services. The blend of the services we provide enables us to work in collaboration with our members, other sectors, government, regulators and law enforcement to protect society and the economy by reducing economic crime. 

Prior to joining UK Finance, Ben spent 23 years working for the UK Government in Defence and Foreign Affairs. In 2015, he was awarded an OBE for services to Defence.

Aysha is a Director in the Commercial Finance team.  She leads on Regulation (including Consumer Duty and regulation of SME lending), Government Schemes, Restructuring & Insolvency as well as cross-cutting areas including Economic Crime and Innovation.  She chairs several industry groups and works closely with members, associate members and key stakeholders including governmental bodies, regulators and law enforcement.

Aysha is a lawyer with 20 years’ experience, most recently as UK Finance interim General Counsel where she advised on several major industry projects and was heavily involved in the industry’s response to the pandemic.  Before joining UK Finance, Aysha spent many years in private practice and in-house as a competition/commercial lawyer.

Simone is UK Finance’s Chief of Staff, responsible for corporate governance and business planning.

She has over 20 years of experience in financial services regulation.  Prior to joining UK Finance in October 2023, she held various senior positions in the Financial Ombudsman Service and the Financial Conduct Authority.

John is the director of fraud management at UK Finance and has over 30 years of experience working in the fraud prevention arena. Having practical experience in both the card and retail banking sectors, his current responsibilities include developing, implementing, and leading the payments industry’s fraud prevention strategy, specifically within the retail bank, telephony, mobile payment and digital environments.

John leads the activities of the UK Finance Fraud Ecosystem Delivery Committee and the Financial Fraud Panel and also represents the payments industry at several senior external forums. These include the Joint Fraud Taskforce where he has worked closely with the Home Office in developing the retail banking fraud charter and the fraud action plan.

Beth is Director, Membership & Strategic Partnerships leading the Relationship Management team at UK Finance and is responsible for the overall strategy and delivery of our Relationship Management Approach. This includes building long term strategic partnerships to maximise member value, championing the member voice and contributing to the future direction of membership at UK Finance.  Beth is also responsible for the acquisition of prospective members and growing the membership proposition as we seek to ensure we are representing the depth and breadth of the Financial Services industry.

Prior to UK Finance, Beth worked as a Senior Consultant, Financial Services in Global Executive Search, responsible for securing and delivering search projects for executive team members, at the CBI as Assistant Director, Financial Services and held a variety of roles in both Relationship Management and Commercial Partnerships in the Financial Services industry.

Alastair is a member of UK Finance’s Executive Committee, chairs the Operations Committee and has overall responsibility for Finance, HR, IT, Risk, Legal, Procurement, Facilities and Hospitality.

Prior to joining UK Finance, Alastair was the finance director at the media and communications regulator Ofcom. As a chartered accountant with a career spanning over 25 years, Alastair has held a variety of senior finance roles in both financial services and the telecommunications sector and has considerable experience of leading and managing organisational change and transformation. Alastair is also a non-executive director at UK Coaching, chairs the Finance, Audit and Risk Committee and is also a member of the Governance Committee for the charity.

Simon leads the Prudential Capital and Risk team at UK Finance, which focuses on influencing the implementation reforms to capital and liquidity requirements in the UK. He leads UK Finance’s work on the senior managers’ and certification regime (SMCR), which seeks to improve bank-wide governance and culture, and has extensive knowledge of prudential regulatory architecture.

He is also interested in operational resilience and different types of bank capital and funding instruments such as bail-inable and covered bonds and securitisation structures. His banking background is in fixed income sales, trading and origination as well as energy and aerospace project finance. He is liveryman of the Worshipful Company of International Bankers and is a former member of the European Banking Authority’s Banking Stakeholder Group.

Lee heads up the Data and Research team, which is responsible for gathering, analysing and producing commentary on a range of data series covering payments, business and personal finance. Her focus is on ensuring the information requirements of members are met, supporting advocacy priorities and monitoring developments in the UK economy. The team also supports the broader research activities across UK finance. 

Prior to joining UK Finance, Lee was Deputy Director at the Enterprise Research Centre and previously Chief Economist at Make UK.

Toby is UK Finance’s CTO and has overall responsibility for the development and successful implementation of the UK Finance IT strategy and roadmap. Toby is also responsible for managing the day to day delivery of business-critical systems and IT services, ensuring that through agile and flexible technology solutions, the IT function helps enable UK Finance to achieve its goals.   

Prior to joining UK Finance Toby was in executive leadership positions, spanning various sectors overseeing Europe-wide IT operations. Offering strategic solutions to progress and improve business practices and solutions, Toby was responsible for overseeing complex IT programmes, instructing large teams, embedding best practice principles and overseeing the development of entire IT platforms. 

Sophia Morrell is the Director of UK Public Affairs for UK Finance, leading engagement with government, parliament and institutional stakeholders. Prior to this, Sophia spent five years as a Political Adviser to Jonathan Reynolds MP in his roles as Shadow Secretary of State for Work and Pensions and Shadow City Minister. 
 
Sophia specialises in financial services policy and advocacy. She has worked both as an independent consultant and at a number of political and communications agencies including Lansons, Greentarget PR and Headland, after beginning her career as a journalist in 2007 covering capital markets during the financial crisis. Sophia is also a member of the London Pensions Fund Authority Board and has previously served as Chair of Labour in the City. 

Conor directs and manages the delivery of UK Finance’s cross-cutting international and Brexit workstreams. His focus is around market access regulation and trade in services. His role covers policy development, strategic planning and senior stakeholder engagement.

Prior to joining UK Finance, Conor worked across a range of UK government departments including HM Treasury, where he worked on financial crisis intervention schemes and was a member of the Government Economic Service (GES). Most recently, Conor spent a number of years at UK Financial Investments, the body that has responsibility for managing the government’s shareholdings and loans in financial assets, where he was responsible for work on Northern Rock and Bradford & Bingley.

In his role as managing director of personal finance, Eric is responsible for all personal finance matters, including cards, complaints handling, conduct regulation, consumer credit, payments, savings and supporting vulnerable customers across retail and private banking portfolios.  Eric is accountable to retail, private and mid-tier bank CEOs for the development and delivery of sector specific strategies, maintaining active senior-level engagement with politicians, regulators, consumer advocates and policy makers on a range of issues to support the economy, serve customers better and earn trust in the sector. 

Eric is a chartered banker and a non-executive director at the Buckinghamshire Building Society (chair of risk), Registry Trust Limited and also holds non-executive roles on the government’s Credit Union Expansion Project and Regional Growth Fund.

Jana is Managing Director for Payments, Innovation and Resilience at UK Finance.  She has a particular focus on competition and regulatory policy, having worked across a number of public and private sectors in several markets.  Her previous roles have included influencing payments regulation acrosss the UK and Europe, and leading discussions on strategic industry and regulatory policy initiatives. Jana has commercial credentials in delivering and implementing these policies in practice. She is skilled at relationship building, holds several board positions and works with a number of charities.

Giles is Director of Campaigns at UK Finance. He is responsible for planning and delivering the organisation’s  communication activities to promote campaigns on behalf of the banking and finance industry. He was previously the Head of Press and Campaigns.

Before joining UK Finance, Giles worked in the press offices at the communications regulator Ofcom and the Department for Education. He began his career working in radio as a producer at LBC.

Ann is the Director of Business Development.  Her role is to identify, negotiate and manage commercial relationships with the providers of products and services that members have an interest in.

Prior to joining UK Finance Ann  held a number of senior HR positions specialising in organisational design and development, before starting her consultancy business in the early nineties specialising in people development and organisational change. She was a visiting lecturer at Leeds and Warwick University and is also an experienced NED.

Phillip is Director for Digital Technology and Innovation at UK Finance. 

He has a particular focus on how legislative and regulatory policy impacts digital transformation in finance and banking. He works across the digital transformation landscape on digital identity, AI, new digital money, tokenisation, open banking and data protection. 

His previous role focussed on influencing payments strategy and regulation in the UK. Phillip has a public policy background with previous roles at HM Treasury and in local government. 

He currently sits on the FCA Innovation Advisory Group.

Stephen was previously Managing Director, Commercial Finance and now acts as senior advisor to UK Finance. He leads on diversity and inclusion, is a member of the Rose Review board on female entrepreneurship and engages with ministers and regulators on wider policy issues.  Stephen is deputy chair of the Risk Free Rates Working Group convened by the Bank of England and FCA to oversee the global transition from LIBOR.

With 40 years of experience in banking and finance, Stephen was previously at Lloyds Banking Group and was a member of executive committees in the Group’s commercial banking and retail divisions. Stephen is also a director of UK Business Angels Association and the Business Banking Resolution Service. He is a trustee of the Shaw Trust and Shaw Education Trust charities and was the former chair of Prime Cymru, a charity founded by HM the KIng and remains the senior advisor.

Richard joined UK Finance in August 2018 and has over 25 years’ experience, principally within the professional and financial services industries. In his career to date Richard has worked at Abbey National plc (now part of Santander), Shawbrook Bank, Aldermore Bank and HSBC, and has been the CFO of Rivington Street Holdings plc (a small conglomerate) and Oakam Limited (a sub-prime lender). He has significant international experience, including four years in Bermuda and New York with EY and PwC, respectively. Richard  is a qualified chartered accountant.

David is the Managing Director for Commercial Finance. David leads on policy relating to commercial banking, invoice finance and asset-based lending. David was previously a Policy Director in the FCA and before that spent nearly 2 decades as a civil servant, mostly in the Treasury. During that time David played a leading role in the design and delivery of many financial service polices, including leading on Covid loans policy throughout the pandemic, as well as leading on government policy around access to finance for SMEs

Charles has over 25 years financial services experience and joined UK Finance in August 2020. As Director of Mortgages he has overall responsibility for delivering the mortgage policy work of UK Finance.

Prior to joining UK Finance, Charles was Executive Director and Chief Risk Officer at The Nottingham Building Society where he was accountable for designing and implementing the Society’s risk strategy and framework. Charles was also a director in the Regulatory Financial Services Practice at Grant Thornton LLP and has 11 years regulation and compliance experience at the FCA. While at the FCA, Charles was Head of Department for the mortgage sector, where he developed the FCA’s approach to the supervision of the UK mortgage market and oversaw the implementation of both the Mortgage Market Review and the Mortgage Credit Directive.

Andrew Rogan is Director of Operational Resilience policy at UK Finance. Working across UK Finance and engaging with government and other key stakeholders, Andrew’s focus is on delivering positive outcomes with respect to operational resilience, and working with members to prepare for, mitigate and recover from operational disruptions if and when they occur. In this capacity, Andrew serves as UK Finance’s principal contact in the event of an operational disruption or business continuity event.  Andrew also works closely with the Bank of England, Financial Conduct Authority and the Prudential Regulatory Authority in support of the Cross Market Operational Resilience Group, a forum that works to address systemic threats to the resilience of the financial services sector through cross-industry collaborative action.  

Andrew previously served as Head of the Capital Markets and Infrastructure team, where his primary responsibilities centred on post-global financial crisis regulatory reform, Brexit, and client money and assets. 

Alyson is responsible for all operational and strategic HR matters at UK Finance. She has almost 20 years’ experience working in HR and her expertise includes employee relations, talent management, organisational design, workforce planning, restructures and reorganisations, learning and development, culture and change management, diversity and employee engagement. Prior to joining UK Finance Alyson gained extensive experience in the professional services sector at Capita, Colliers, Hogan Lovells and Accenture. Alyson holds a BA in Politics and Sociology and is CIPD qualified. 

Julie leads the Primary Markets and Corporate Finance team at UK Finance, which focuses on policy relating to primary equity and debt market issuance and public M&A. This work brings together ECM/DCM practitioners and M&A practitioners and legal specialists from across our membership and associate membership to discuss and address a range of public policy issues, spanning the breadth of the UK’s regulatory environment for listings, public capital raising and public M&A, including the Edinburgh reforms.

Julie has a wealth of experience in this area, having worked as a lawyer for over 20 years at (amongst others) Linklaters and Goldman Sachs and latterly as a policy expert within the FCA’s Capital Markets Policy team, where she led on various aspects of primary markets policy. Julie sits on the editorial board of the Capital Markets Law Journal.

Julie is also an experienced accredited Executive Coach.

Lucy is Director of Content for UK Finance where she leads on internal and external content and channels, in addition to marketing strategy and implementation.

Lucy has over 20 years’ experience in content strategy and implementation from a variety of sectors including the Financial Conduct Authority, Department of Work and Pensions, various charities and the National Union of Students.

As Director of Personal Banking, Peter leads policy work focused on conduct regulation, retail savings and investments, financial capability and inclusion, and customers in vulnerable circumstances. He also supports UK Finance’s work on private banking and wealth management business and maintains active senior-level engagement across members, regulators, politicians and consumer advocates.

Peter worked for the British Bankers' Association (BBA) for ten years, moving to UK Finance on its inception in 2017. As senior policy director, his responsibilities included retail savings and investments distribution/advice and relations with the Financial Services Compensation Scheme. Prior to this he spent seven years in retail supervision at the Financial Services Authority, and before that Peter worked in investment banking for ten years in debt and derivatives trading roles.

Neil is responsible for the UK Finance sanctions programme and has worked in the financial services sector for over 20 years, concentrating on sanctions compliance since 2009. Prior to joining UK Finance, Neil was the sanctions SME for Internal Audit at Deutsche Bank in London and previously worked at Lloyds and later HSBC helping both banks review and improve their international sanctions compliance.

Neil is a Fellow of both the International Compliance Association and the Society for Advanced Legal Studies and holds an MSc in International Commercial Law and Financial Crime Compliance from the University of Law.

TS is a highly respected financial services and payments leader, with over 25 years of retail banking experience. As Monzo's CEO, he brings his expertise from Visa, Standard Chartered, Citigroup and Capital One in roles that have spanned the world, including the US, Singapore, Canada, Japan and India. He has a wealth of experience launching new products, developing innovative payment technologies, transitioning existing business towards new growth opportunities and much more.

Chris is the Chief Operating Officer for EMEA responsible for developing and implementing business strategy and overseeing the business operations in the region.

Chris is originally from New York and has worked in the Global Financial Services industry for twenty-seven years. He joined Morgan Stanley in 2000 and has held positions in New York, London, Hong Kong and Frankfurt. He is a member of the European Operating Committee, EMEA Executive Risk Committee, EMEA Franchise Committee, EMEA ESG Oversight Committee and sits on several internal and external board seats. Chris most recently served as COO of Institutional Securities Group – Continental Europe.

Chris’s tenure at the firm includes five years in Morgan Stanley Electronic Trading (MSET) where he held regional and global roles primarily focused on client trading infrastructure and risk systems. Chris has spent nearly ten years in Business Unit Risk Management covering market, non-market, operational and regulatory risk. Chris also served as COO of Institutional Securities Group – Asia for five years and was an active member of Asia’s Management Committee, Operating Committee, Asia Franchise Committee and Diversity Advisory Council, as well as holding several board seats across the region.

Chris is married and has three children, aged 18, who attends New York University, and 16 (twins) who attend The American School in London.

Robin Bulloch was appointed TSB’s Chief Executive in April 2022. He joined TSB in 2019 as Chief Customer Officer and in 2020 he oversaw the TSB brand relaunch.

Before joining TSB, Robin led Lloyds Banking Group’s general insurance division before becoming Managing Director for Community Banking at Lloyds Bank and the Bank of Scotland. Previously, he also worked for RBS Group (now NatWest Group) where he held senior roles, including, Managing Director at RBS and NatWest Branch Banking and was Chief Executive of Tesco Personal Finance (now Tesco Bank).

Robin sits on the CBI Scotland Council. He is also a Fellow of the Chartered Banker Institute, having previously served on their Board and the Board of Scottish Financial Enterprise.

Miles Celic joined TheCityUK as Chief Executive Officer in September 2016. He began his career in broadcasting with the BBC and others. He moved on to work in the UK parliament, where he focused on foreign affairs and defence issues. He subsequently worked in a number of leading reputation management and public policy consultancies, including an arm of Omnicom. In 2007 he joined HSBC’s policy function. Miles moved to Prudential in 2009 as Director of Group Public Affairs & Policy and became Director of Group Strategic Communications in 2013.

Vicky is CEO at Danske Bank UK. Danske Bank UK is the trading name of Northern Bank Limited. The Bank has £13bn in assets and operates across the UK but is predominantly focused on the region of Northern Ireland. It is the largest Bank in Northern Ireland with 500,000 customers and 1,400 colleagues. Northern Bank Limited is a wholly owned subsidiary of the Danske Bank Group – Denmark’s largest Bank.

Vicky has 18 years’ experience in senior roles in Financial Services in RBS and Danske Bank, having started her career as a management consultant with Accenture and has experience working under Private Equity ownership.

Vicky joined Danske Bank in 2012, has been a member of the Board since 2016, became Deputy CEO in 2019 and assumed the role of CEO in 2021. An experienced Board Director, she has a proven track record of developing and leading strategic change.

Since assuming the CEO role, Danske Bank UK has been named in the 2023 Q1 Best Companies Survey, as the best company to work for in Northern Ireland and the best Financial Services company to work for in the UK. In 2022 Danske was awarded by Business In The Community Platinum status as a Responsible Business – one of only four companies in Northern Ireland to hold this highest accolade.

Vicky is a Certified Bank Director, has an MBA from INSEAD and sits on the PRA Practitioner Panel. Vicky was recognised as one of the 2022 ‘Women to Watch’ by Cranfield School of Management.

She also sits on the Board of Northern Ireland Chamber of Commerce and on the advisory Board of Business in the Community Northern Ireland.

Debbie Crosbie joined as CEO of Nationwide Building Society in June 2022 and has over 25 years of experience in financial services leadership, including business and retail banking, IT and digital transformation strategy, and mergers and acquisitions. Prior to this Debbie was CEO at TSB bank (May 2019 – June 2022) and Group Chief Operating Officer at Clydesdale Bank/CYGB (1997 – 2019). 

Debbie is non-executive director of the energy and networks company SSE plc and a member of its audit committee and energy markets risk committee.  She is also a member of the Glasgow Economic Leadership Board and the Strathclyde University Business School Advisory Board.   Debbie is a member of the FCA Practitioner Panel and previously the PRA Practitioner Panel.

Debbie holds an honours degree in Industrial Relations from the University of Strathclyde and is a fellow of the Chartered Institute of Bankers.

Kelly Devine is the Divisional President, UK & Ireland at Mastercard. She’s responsible for the strategy, direction and overall success of all aspects of Mastercard’s business across the UK and Republic of Ireland.

Prior to this role Kelly was SVP for Account Management and Business Development for the UK & Ireland, leading Mastercard’s consumer issuing relationships, including those with high street retail banks such as Lloyds, HSBC, RBS, Santander, TSB, Tesco and Bank of Ireland.

Kelly joined Mastercard in 2015 to lead the division’s commercial payments business. Before joining Mastercard, Kelly spent ten years at American Express, latterly as VP of Customer Experience. She’s also held roles in Business Development, Salesforce Effectiveness and Product Management.

Kelly has expertise in key account business development and management, product management, developing and implementing business strategies, driving success in global matrix organisations and recruiting and leading high-performing teams; and has spent more than 15 years in payments.

Kelly began her career as a consultant at PwC, after gaining her degree in Economics from the London School of Economics.

David was appointed CEO of Clydesdale and Yorkshire Banks in June 2015, before the demerger and IPO of CYBG PLC in 2016. He was previously CEO of Allied Irish Banks, CEO of Standard Bank International and the Head of Global Wholesale Banking Network of ING Group. He has also held various senior positions with Goldman Sachs International including Head of Human Resources Europe.

Joanna is Chief Executive of Independent Age, a national charity providing support for older people facing financial hardship.

The charity offers free and impartial advice and information, and grants for community organisations. It also works with Parliamentarians and other key stakeholders to make sure older people facing financial hardship have sufficient income and receive the financial support they’re entitled to, are protected from unfair or avoidable costs, have the connections and support they need in their communities, and live in safe, secure and suitable housing with the care and support they need.

Previously, Joanna was CEO of Money Advice Trust, the charity running National Debtline and Business Debtline, whose vision is to help people across the UK to tackle their debts and manage their money with confidence.

Joanna is a director of the financial services trade association UK Finance, representing vulnerable consumers, Chair of the Advisory Board at Birmingham University’s Centre on Household Assets and Savings Management, and a member of the Government’s Financial Inclusion Policy Forum. She is also Vice Chair of the Friends Provident Foundation, a Chartered Director and a Director of Fair 4 All Finance, which is using dormant assets to increase financial inclusion.

She lives in North London with her husband, Simon Horne, who is a Headteacher, and their three daughters. In her spare time she reads, sings, cycles and climbs Munros.

Richard Fearon joined Leeds Building Society in 2016 as Chief Commercial Officer and was appointed Chief Executive Officer in February 2019.  Leeds Building Society is the 5th biggest Building Society in the UK with assets of £25.5bn and is a strongly purpose based organisation focused on putting homeownership within reach of more people – generation after generation. Leeds Building Society unveiled record breaking results for 2022, supporting 18,000 first time buyers onto the housing ladder and withdrawing from lending on second homes to direct more energy towards helping first time buyers. Richard has been a member of the UK Finance Mortgage Product & Service Board (MPSB) since 2018, Deputy Chair from 2020-2021 and chaired the MPSB for 2022/2023. 

Richard started his career at Oliver Wyman & Company and spent 10 years at Lloyds Banking Group in senior mortgage and savings roles prior to joining Leeds Building Society.

Lucy Hagues is the CEO of Capital One UK and is responsible for the overall strategic direction and general management of the business. Lucy grew up as one of six children in Oldham and her generation is the first of her family to go to university. She believes that lending creates opportunities and is focused on creation of products and experiences that make it easy for people to live successful financial lives. Lucy joined Capital One in August 2000 from Girton College, Cambridge, where she studied engineering. She joined as part of the graduate programme and has worked in analytical and leadership roles across the UK business. She is formerly Chief Marketing Officer and is a senior credit officer for Capital One. Lucy lives in Nottingham with her husband, her son and daughter and two labradors.

Prior to becoming CEO, Matt was Head of Retail Lending covering both the secured and unsecured lending businesses. Matt joined Barclays in 2004 as Director of Group Strategy, later progressing to become the Group Chief of Staff; a key strategic role in which he provided vital support to the Group CEO during the financial crisis. Matt went on to manage Barclays Group Corporate Strategy and Corporate Relations, Barclays Customer and Client Experience in Retail and Business Banking and Barclays UK Retail Products and Segments.

Before Joining Barclays, Matt was a Senior Management Consultant at Marakon Associates where he worked for 12 years in the financial services, consumer products and energy sectors within the Americas and Europe. Matt graduated with a degree in Mechanical Engineering from Yale University, and an MBA from the University of Chicago. Matt is a member of the BBUK Board and sits on the Money and Pensions Service Adult Advisory Group. Matt is also a Member of the FCA Practitioner Panel and Trustee of the Charities Aid Foundation and active ambassador in Barclays for inclusion, wellbeing and anything that makes the workplace more fun.

John Hourican was appointed as Chief Executive of NewDay Group in September 2019. John has almost thirty years experience in global financial services.  John began his career at Price Waterhouse working in Dublin, Hong Kong and London before moving to Royal Bank of Scotland in 1997. During his time at Royal Bank of Scotland John held a number of senior posts including serving as Chief Executive of the Group’s Investment Bank (Markets & International Banking) for five years and as Chief Financial Officer of ABN Group.

Between 2013 and 2019 John served as Chief Executive of Bank of Cyprus, the largest banking and financial services group in Cyprus.  John reshaped that business, re-established its deposit base, improved the quality of the loan book, floated the Group on the London Stock exchange and strengthened its financial position.  John was named Euromoney’s Banker of the Year in 2015. John is a fellow of the Institute of Chartered Accountants in Ireland.

Mandy is Managing Director, UK & Ireland, at Visa, the global payments technology company, responsible for the strategic direction and success of Visa’s business in the region. Mandy has been with Visa over 12 years, joining the UK & Ireland business from Singapore, where she was Group Country Manager, Regional Southeast Asia (Singapore, Malaysia & Thailand) & Senior Vice President, Global Client Management Asia Pacific. 

Mandy has held a variety of other senior roles during her time at Visa spanning South Africa, Sub- Saharan Africa and Ukraine where she led 17 markets across the Commonwealth of Independent States & South Eastern Europe (CIS & SEE) as Group Country Manager. 

Prior to Visa, Mandy held a number of global positions in the financial services and IT industries. 

Mandy started her career in Information Technology and Telecommunications as a Project Manager at Amvia Ltd and Dimension Data. She holds a Bachelor of Physical Education and Post Graduate Diploma in Management, from University of Witwatersrand and Wits Business School respectively. She completed her MBA at the University of Pretoria (GIBS) in 2007.

Wayne Lawson-Turnbull is the EMEA Regional Operating Officer for UBS' Investment Bank and the UK COO for UBS AG London Branch.

Wayne was also the Group Chief Operating Officer of EMEA from 2009 to 2011 leading the CEO and COO Management Office supporting the Group Regional CEO.  Prior to Wayne's roles in London since 2009, he was based at UBS in South Africa and was the Group Country Head for Sub Saharan Africa. He also spent three years in London from 1999-2001 as Global Head of the Management Office and Chief of Staff to the Chairman and CEO of the Investment Bank.  Before that, Wayne was the Managing Partner at JD Anderson and Co which was sold to Swiss Bank Corporation in 1995.

Wayne has an honours degree in Accounting Science and is a Chartered Accountant registered in South Africa and in England and Wales.

Tiina Lee became Citi’s Chief Executive Officer in the UK on 16 October 2023. Prior to joining Citi, Tiina was at Deutsche Bank where she was the Chief Executive Officer for the UK & Ireland with responsibility for all of the bank’s activities in the region, since 2018. Tiina served as Chair of Deutsche’s UK & Ireland Executive Committee, Chair of the London Branch Board of Senior Managers and General Manager of Deutsche Bank AG London Branch. Prior to that she served as Deputy CEO and Head of Global Markets, UK. Through her 33 year career in investment banking she has run trading and capital markets businesses and served as Head of UK Strategy and Chief Operating Officer for the UK. Tiina began her career at Hill Samuel Bank and Lehman Brothers.

Tiina sits on the Leadership Council of TheCityUK, a leading industry body. She is also a board member of UK Finance. She has been involved in many philanthropic endeavours, currently serving on the Board of Trustees of Donmar Warehouse Projects.

Jas is CEO for Consumer Lending at Lloyds Banking Group.

Jas has worked at Lloyds for 16 years and has held a number of roles across the Group’s Consumer and Small Business businesses. Jas’ previous experience was in consulting roles, based in the US and across Europe, with a range of corporate strategy and digital design consulting projects across multiple industry sectors.

Jas was awarded an OBE for his contribution to financial services during Covid-19.

Ian Stuart was appointed CEO of HSBC UK Bank plc, with effect from April 2017, and is a member of HSBC Holdings plc’s Group Executive Committee.

Ian joined HSBC as head of its Commercial Banking business in the UK and Europe in 2014. He has 40 years’ experience in the banking industry. Before joining HSBC, Ian led the Corporate Banking business at Barclays for six years and held many roles in Business Banking during his 22 years at NatWest.

He left school at 16 and went straight into banking, initially working as a cashier in a branch before moving into business banking. While working, Ian also studied at night school, and attended the University of Reading, where he obtained a management diploma to develop his career. Ian is a Business Ambassador for Meningitis Now. He is married with four children and is a keen golfer.

Anne Marie was appointed Vice Chair of BNP Paribas in the UK on 1st March 2023. In this role, she supports the UK franchise and its development, including acting as sponsor for UK client relationships and BNPP Group entities, and representing the bank towards external stakeholders. Prior to this role, Anne Marie was UK Country Head of the BNP Paribas Group since 2016, responsible for UKCIB and for oversight of the nine BNP Paribas Group businesses in the UK. During this period she lead the successful UK franchise development for the Group.

Previously, she had been CEO and Country Head of BNP Paribas The Netherlands from July 2014 till September 2016 and from August 2010 to June 2014 she was CEO and Country Head of BNP Paribas Canada and a member of the BNP Paribas North America Management Team. Before joining BNP Paribas Anne Marie held business development and senior management positions in Corporate Banking for the Belgian-Dutch Fortis group in New York, Singapore and the UK. 

Anne Marie holds a degree in Applied Economics from the University of Antwerp. She graduated with a master’s degree in International Economics from the University of Louvain. 

She is on the board of UK Finance, is a member of the City UK Leadership Council and chairs the
Business in the Community Global Goals Leadership team. She is an active supporter of and spokesperson for Sustainability. She was recognised by Financial News as one of the 100 Most Influential Women in European Finance for the fifth year.