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UK Finance’s Board has been developed to ensure senior and fair representation across the industry.
The UK Finance management team brings a wealth of knowledge and experience to the banking and finance industry.
Our experts work across a wide range of policy areas, from mortgages to financial risk, from Brexit to economic crime.
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.
Director, Operations and Delivery - Economic Crime
Nicola joined UK Finance in September 2018 from BlackRock, where she put in place its Brexit strategy. Nicola previously spent 13 years at RBS in various roles in strategy, M&A, corporate restructuring, recovery and resolution planning, and managing large complex projects.
Prior to RBS Nicola worked for GE Capital on three continents: first in the UK as part of the M&A team, building GE Capital’s presence in Europe, then moving to Argentina to set up GE Capital’s South American private equity business, and finally moving to the USA to drive restructuring and workout in the private equity business. Nicola started her career as a strategy consultant, delivering international board-level assignments in several European countries, including spending three years in Brussels.
Director, Cards and Consumer Credit
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.
Senior Adviser, Personal Finance
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.
Managing Director, Corporate Affairs and Strategic Policy
Sarah is Managing Director of Corporate Affairs and is responsible for the overall strategy and delivery of UK Finance’s press and campaigns, UK and international public affairs, 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 communications disciplines at the Financial Conduct Authority (FCA), the Bank of England 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.
Director, Digital Tech & Cyber
Ian is a Director within the Digital, Technology and Cyber (DTC) team, which leads the delivery of UK Finance’s operational and policy work in the areas of cybersecurity, third party risk management and outsourcing. He has been instrumental in operationalising the Financial Sector Cyber Collaboration Centre (FSCCC), an industry utility that promotes cyber intelligence sharing amongst financial institutions.
Before joining UK Finance Ian worked within the Technology Risk leadership team at BNY Mellon and prior to that served for eight years as a British Army Officer.
Director, International Affairs - Corporate Affairs
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.
Managing Director, Membership and Strategic Partnerships
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.
Director, Libor Transition - Commercial Finance
Daniel leads UK Finance’s LIBOR transition team supporting firms across our membership on the transition away from LIBOR. He also leads on a range of corporate and commercial finance engagement on behalf of UK Finance members. His focus is on improving customer relationships, access to finance and enhancing competition. His role covers stakeholder engagement, including with business groups and regulatory change.
Daniel started his career in Deloitte’s Banking and Capital Markets group, where he qualified as a chartered accountant and served a range of financial services clients in assurance and advisory engagements.
Director, Associate Membership
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.
Director, Commercial Finance
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.
Director, Strategic Policy
Matthew is responsible for promoting high-quality, coordinated and effective policy making across UK Finance. He previously headed strategy and UK public affairs at UK Finance, prior to which he was Head of Group Regulatory Policy at Lloyds Banking Group and a regulator at the Financial Conduct Authority and Ofcom. He began his career as a civil servant, working in a range of UK government departments including HM Treasury.
Director, Invoice Finance and Asset Based Lending
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.
Director of Communications - Corporate Affairs
Andy is UK Finance’s Director of Communications and is responsible for leading the organisation’s press and campaigns function, including overseeing the Take Five to Stop Fraud campaign.
He joined UK Finance in 2021 from the communications 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 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.
Sheryl is director of membership at UK Finance. The membership function at UK Finance is responsible for the coordination and delivery of all aspects of current and future member engagement. This spans our communities, relationships and foreign banks engagement. She is responsible for ensuring, in conjunction with the membership team and all business areas, that UK Finance and its members are best positioned, relevant and engaged.
Prior to joining UK Finance Sheryl held a number of commercial, advocacy and relationship roles in both the private and not-for-profit sector spanning industries such as defence, technology and financial services, working with international governments and businesses to help them to achieve their strategic aims.
Director, Fraud Management - Economic Crime
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.
Managing Director, Chief Operating officer
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.
Director, Prudential Regulation - Financial & Risk Policy
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.
Director, Economic Insight and Research
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.
Director, Chief Technology Officer
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.
Managing Director, Capital Markets & Wholesale
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.
Director, Content - Corporate Affairs
Helen is responsible for overseeing all content produced by UK Finance, from thought leadership reports to blogs and newsletters, to social media and video, and has oversight of the UK Finance website. She also has responsibility for all marketing activity within UK FInance. Her focus is on ensuring the delivery of topical, insightful, timely and relevant content for UK Finance members and stakeholders, and raising awareness of the valuable work of the banking and finance industry.
A former financial journalist with 17 years of experience working for national newspapers, including several years as small business editor and city correspondent at the Mail on Sunday, Helen joined UK Finance in 2018 after holding the role of head of content at Handelsbanken.
Managing Director, Personal Finance
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.
Managing Director, Payments & Innovation
Jana is Managing Director for Payments and Innovation 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.
Director, Business Development
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.
Director, UK Public Affairs - Corporate Affairs
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.
Managing Director, Commercial Finance
Stephen leads on policy relating to commercial banking, invoice finance and asset-based lending. He helped establish the Covid-19 lending schemes and leads on the transition from LIBOR. Stephen chairs an advisory group for the department of culture media and sport on creative scale ups and is a member of the Rose Review board on female entrepreneurship.
With 37 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 the former chair of Prime Cymru, a charity founded by HRH the Prince of Wales and remains a trustee.
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.
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.
Director, Operational Resilience
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.
Director, Human Resources
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.
Director, Personal Banking
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.
Director, International Illicit Finance - Economic Crime
Nick delivers economic crime policy and advocacy on behalf of members, leading on international engagement, beneficial ownership and grand corruption. He provides the secretariat for the Anti-Bribery and Corruption Panel and for the Money Laundering Advisory Panel, working groups on crypto and on Companies House reform, and supports UK Finance input to the economic crime reform programme.
Prior to UK Finance, Nick worked both as a private sector advisor, supporting audits of corporate compliance and government reviews of public contractors and local authorities, and as a civil servant, representing the UK at the OECD Working Group on Bribery and the OECD Responsible Business Conduct Working Group.
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.
Managing Driector, Economic Crime
Katy has worked in various economic crime roles at the centre of the industry for over 20 years, most recently as director of Financial Fraud Action UK, one of the precursor trade associations to UK Finance.
Katy was responsible for establishing the industry fraud data and intelligence sharing unit, the Financial Fraud Bureau, introducing the Industry Threat Management Process , and building the coordinated industry response to significant data loss/breaches following the HMRC data loss in 2007. She instigated the Fraud Intelligence Sharing System and helped deliver the Dedicated Card and Payment Crime Unit (DCPCU), the industry sponsored police unit, in 2002. She led the development of the Take Five fraud education and awareness campaign, worked with Home Office and City of London Police to establish the Joint Fraud Taskforce and advised on the setting up of the Joint Money Laundering Intelligence Taskforce (JMLIT).
Katy is co-founder and deputy chair of the Fraud Women’s Network.
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.
CEO, Starling Bank
As CEO, Anne oversees the Executive Leadership Team and focuses its vision on building the best possible customer experience. She is also a member of Starling’s Board of Directors. After graduating in computer science and chemistry, Anne started her career at Lloyds Bank, where she helped architect CHAPS, the UK’s first real-time payments system. She worked at Standard Chartered and UBS, before becoming Head of EMEA, Global Transaction Banking across 34 countries for RBS and ABN AMRO.
After the financial crisis, Anne spoke to people around the world about the changes in banking and technology. She joined Allied Irish Banks Plc as Chief Operating Officer to apply these learnings but was frustrated by the restrictions still imposed by outdated technology.
Anne decided the only way to solve this was to build a bank from the ground up. This idea started becoming a reality in 2014 and Starling has grown from there. Anne’s vision for Starling is to build the best bank account in the world.
Anne lives and breathes Starling, but if she had to do something very different it would be something entrepreneurial in the application of machine learning to fabric and fashion design.
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.
Divisional President, UK & Ireland at Mastercard
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.
CEO, Virgin Money UK plc
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.
CEO, Money Advice Trust
Joanna is CEO of the Money Advice Trust – the charity which runs National Debtline and Business Debtline. She has worked in financial services and in Parliament, and is a trustee of the Friends Provident Foundation. In 2010 Joanna was awarded an OBE for services to people in debt.
CEO, Nationwide Building Society
Joe Garner became CEO of Nationwide Building Society in 2016. He previously held senior positions in financial services at HSBC, telecommunications at BT, consumer goods at Procter and Gamble and retailing at Dixons. He was a Non-Executive Director of the Financial Ombudsman Service from 2007-2010.
CEO, Capital One
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.
CEO, Barclays Bank UK
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.
Chief Executive, NewDay Group
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.
CEO, Coventry Building Society
Steve Hughes was appointed in April 2020 as Chief Executive of Coventry Building Society. He is a global chartered management accountant with over 15 years’ experience in senior and board level roles within financial services. Before joining Coventry, he was Chief Executive of Principality Building Society, an organisation he joined in 2011 where he was Group Finance Director and was promoted to CEO in 2017. Prior to this he was Finance Director of Lloyds Banking Group plc’s general insurance business, during which time he worked on the integration of Lloyds TSB plc and HBSOS plc. His earlier career spanned the automotive, retail and consumer goods sector. Steve had gained broad experience having operated in leadership roles covering technology, change, strategy, operations and finance. He is passionate about mutuality and its role in financial services and is committed to running the business in the long-term interests of its members.
Steve has acted as Deputy Chair of the Mortgages Product and Services Board of UK Finance. He also Chaired the Welsh Advisory Board of Business in the Community and until recently was a UK Trustee of the charity.
Group Treasurer and UK CEO, UBS
Beatriz Martin is the Group Treasurer at UBS Group AG having been appointed in December 2020 and is also the UK Chief Executive for UBS AG London Branch.
Beatriz served as Global Chief Operating Officer for UBS Investment Bank from 2015-2020, UK Chief Operating Officer for UBS AG London Branch from 2014-2019 having joined UBS in 2012 as Chief of Staff to the CEO of the Investment Bank.
Before joining UBS, Beatriz held senior positions at Morgan Stanley and Deutsche Bank.
Beatriz has a Masters in Business Administration and is fluent in English, Spanish and German. Beatriz is also a member of the Supervisory Board of UBS Europe SE as well as a member of the Board of the industry body UK Finance.
COO, EMEA, Morgan Stanley
Arun Kohli is Chief Operating Officer for EMEA responsible for developing and implementing business strategy and overseeing the business operations of the region. He is also closely involved in developing the Firm’s strategic alliance with MUFG.
Arun joined the firm in 2007 within the Firm’s Strategy & Execution team based in New York, where he led a number of strategic initiatives for the Firm before moving to Hong Kong in 2012, where he spent four years serving as the Chief Operating Officer for Asia Pacific.
Prior to Morgan Stanley, Arun worked within the Financial Institutions practice at McKinsey, New York serving as Associate Principal.
Managing Director, UK & Ireland. Visa
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.
CEO, Investec Bank Plc
Ruth Leas is Chief Executive Officer of Investec Bank plc, the main banking subsidiary of Investec plc, a FTSE 250 listed company which houses the Investec Group’s non-Southern African operations.
Throughout her 20-year career with Investec, Ruth has occupied roles that have helped fuel the development of the business. Prior to CEO, Ruth was Chief Risk Officer of Investec Bank plc and responsible for every area of risk management including credit risk, liquidity risk, market risk, and operational risk. Ruth also managed the rating agency relationships for the Investec Group in the UK.
Ruth joined Investec in 1998, starting out in South Africa at Investec Bank Ltd. as a banker in the Financial Products business, where she was involved in derivative structuring and sales. She moved to London in 2002 and was appointed Co-Head of Financial Products in 2004, focusing on structured credit and credit derivatives. In October 2008, Ruth joined the credit team within Group Risk before moving in 2011 to head Investor Relations in the UK. In 2013, she was appointed Head of Risk Management and in July 2016 was appointed as an Executive Director to the Board of Investec Bank plc. Ruth was appointed as Chief Risk Officer in June 2017.
Ruth holds an M. Phil Degree from Cambridge University, as well as a degree in economics from the University of the Witwatersrand, South Africa. At the end of her Honours year, Ruth was awarded the Gold Medal of the Economics Society of South Africa for the best Economics Honours Thesis in South Africa.
CEO, UK and Ireland, Deutsche Bank
Tiina Lee is Chief Executive Officer, UK & Ireland at Deutsche Bank. She is responsible for all Deutsche’s activities in the region and she is the Chair of the UKI Executive Committee and DBAG London Branch Board. She has held a number of roles running trading and capital markets businesses, she has advised European financial institutions on the debt and equity capital markets and was Head of UK Strategy before being appointed UK Chief Operating Officer. Tiina served as Head of Equities & FIC, UK and Deputy CEO, UKI prior to her appointment as CEO in 2018. Tiina began her 30 year career in investment banking at Hill Samuel Bank and Lehman Brothers. She serves on the Advisory Council of TheCityUK, the Board of Trustees of the Charities Aid Foundation and the Board of Trustees of Donmar Warehouse Projects.
CEO, Retail Banking, Natwest
David joined NatWest as CEO, Retail Banking in September 2020. He joined from Westpac Banking Corporation where he worked for 8 years, in a number of senior roles including CEO of the Commercial and Business Bank, Chief Product and Digital Officer and most recently in the Consumer Division, across the Westpac, St.George, BankSA, Bank of Melbourne, BT, and RAMS brands. Prior to this he was Executive General Manager, Cards, Payments and Retail Strategy at the Commonwealth Bank of Australia (CBA). He was also formerly Managing Director, Strategy, Marketing and Customer Segmentation at Australia and New Zealand Banking Group Limited (ANZ) and before this Vice President for First Manhattan Consulting Group (FMCG) based in New York.
UK Country Lead, Stripe
Max Roberts has worked in the technology sector for over 25 years in roles spanning consulting, sales and digital transformation. Following his passion for building and leading high-growth technology businesses, Max joined Stripe in 2020 to head up its UK business. Max is UK Country Lead and heads up the rapidly growing Middle East business at Stripe, an Irish-American technology company that builds economic infrastructure for the internet. Before joining Stripe, Max spent seven years at Salesforce, where he led a number of fast-growing businesses across Enterprise and Commercial sectors, latterly as Senior Vice President for the EMEA Services business. He was a member of the UK executive board. He started his career at Oracle, where he spent almost two decades building his knowledge of the technology sector across Sales, Consulting, Channels and Professional Services. Throughout his career, he has worked with and sought to deeply understand the needs and challenges of customers across a range of industries, including financial services, manufacturing, retail and the public sector.
Group Chief Executive Officer, Close Brothers
Adrian joined the board of Close Brothers Group plc as chief executive on 21 September 2020. From 2016 to September 2020, Adrian was managing director of Close Brothers' Banking division. Since August 2013 he has been a director of Close Brothers Limited, the group’s banking subsidiary. Adrian has previously held executive roles at Barclays, RBS and Bank of Ireland and was chief executive of ANZ Bank in Europe. Adrian has also been chairman of the Asset Based Finance Association, the UK and Ireland industry body.
Chief Executive, Paragon Banking Group
Nigel is Chief Executive of Paragon Banking Group. Nigel’s early career began in investment banking, which included working for UBS. He joined Paragon in 1987 as Treasurer, before being appointed as Finance Director in 1992 and then Chief Executive in 1995.
He is a member of the Board of UK Finance and is the Chairman of UK Finance’s Specialist Banks Advisory Committee. Previously he was the Chairman of the Council of Mortgage Lenders ('CML'), Chairman of the Intermediary Mortgage Lenders Association (‘IMLA’), Chairman of the Finance and Leasing Association ('FLA') Consumer Finance Division and a Board member of the FLA.
Nigel is also currently a member of HM Treasury’s Home Finance Forum and the Bank of England’s Residential Property Forum. He is also an associate of the Chartered Institute of Bankers.
In 2017, he received an Honorary Doctorate from Birmingham City University for services to the finance industry.
UK Country Head, BNP Paribas Group
In October 2016, Anne Marie Verstraeten was appointed UK Country Head for the BNP Paribas Group. Previously, she had been CEO and Country Head of BNP Paribas The Netherlands from July 2014 untill September 2016, leading the Dutch BNP Paribas Corporate and Institutional Bank and overseeing the other six BNP Paribas group activities in The Netherlands. From August 2010 to June 2014 she was CEO and Country Head of BNP Paribas Canada, overseeing the bank’s offices in Montreal, Toronto and Calgary. She was a member of the BNP Paribas North America Management Team. Anne Marie Verstraeten 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. Anne Marie Verstraeten started her banking career in Belgium and subsequently took up business development and management positions in Private, Commercial and Corporate & Investment Banking in New York, London and Singapore in various entities and affiliated companies of the Belgian Generale Bank and Belgian/Dutch Fortis Bank Groups. Before joining BNP Paribas in 2009 she was Global Head of Energy of Fortis bank, out of London and Rotterdam. This position entailed overseeing the bank’s worldwide Energy Structured Finance business and relationship management for the utilities, oil and gas sectors. She belongs to the Guild of International Bankers in London and is a Freeman of the City of London. In 2006 she was awarded a knighthood in the Leopold II Order of the Kingdom of Belgium for services to the financial industry. She is married and has two daughters.