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 UK Finance's formation 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 he was a director at DLA Piper's global government relations practice, where his clients ranged from financial services businesses to overseas governments. Matthew holds a Master's degree in International Relations.

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. 

Jennifer Tankard is Principal, Commercial Finance and leads on all issues that impact on access to finance for small and medium enterprises (SMEs) including the UK’s net zero goals. In 2021, she co-wrote Financing Green: a guide for SMEs with the CBI.

Managing Director, Commercial Finance, UK Finance

Director UK Business Angels Association

Stephen has been involved in banking and finance for SMEs and corporates for most of his 37 years in the industry. He is part of the senior executive team at UK Finance and leads on policy relating to Commercial Banking, Invoice Finance and Asset Based Lending for UK Finance, the leading financial trade association. He leads work on business finance for support, competition and specialist banking and finance, dispute resolution, IBOR transition and international trade. He chairs an advisory group for the UK government on creative industries and is part of a minister led boards on business finance and promoting female entrepreneurship. Stephen has led work for the industry on covid lending schemes.

Previously at Lloyds Banking Group, having been responsible nationally for risk management, marketing, international services and training as well as management of local teams, he led competition policy, financial services and business community relationships and lending policy at Group level. He was also a member of executive boards in Lloyds Banking Group's Commercial Banking and Retail divisions with responsibility for business banking and invoice and asset-based finance both through Lloyds Bank and Bank of Scotland.

Stephen read Economics at University College London and has professional qualifications from the Chartered Institute of Bankers and the Chartered Institute of Marketing. He represents the UK on business finance at the European Banking Federation and is on the executive committee of European Union Factoring and Commercial Finance Association. Stephen is a director of the UK Business Angels Association, the trade association dedicated to promoting angel investing and supporting early stage investment in the UK. PRIME Cymru was founded by HRH the Prince of Wales as one of his charities and works to help people over 50 in Wales to become economically active particularly by starting businesses. Stephen was chairman between 2008 and 2017 and remains a trustee.

He lives in North Somerset and is married to Cordelia, a GP. They have three grown up children.

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.

Glen set up Credebt Ltd in 2009 and has developed the business into one of the leading providers of Receivables Management services in the UK. Credebt work exclusively for Insolvency Practitioners, Invoice Finance companies/Other Charge holders and their clients.

Glen has worked in the Collections industry for 25 years and for the last 17 of those operated at Director level. His corporate career before setting up the business included large blue chips such as RAC, Parceline, Amcor, Anixter and Motability.Glen is widely considered an industry expert and is a Fellow of the Chartered Institute of Credit Management.

In 2014 Glen wrote the Debt Collection Syllabus for the Institute that all current students are studying as well as more recently reviewing and updating the UK Finance Debtor Litigation study module.

Glen has also advised the government via the Parliamentary review and leaders council regarding late payment and it's impact in the UK.

In 2019 Glen Set up Itsettled, the UK's first fully automated Collection's Platform to help businesses improve their cashflow position. Itsettled's vision is to ensure that every business in the UK has the tools to chase their debts and get paid on time, whilst maintaining a positive relationship with their valued Customers.

As BRE Group’s Chief Executive, Gillian is responsible for the organisation’s strategy, culture and performance. She is passionate about the importance and potential of the built environment in supporting sustainable, vibrant and productive life on the planet. She aims to be a responsible leader, choosing to work in purpose-led organisations, and has held roles in the UK civil service and various professional bodies.

Listed in Kind Leadership 50 Leading Lights UK 2018 https://www.kindnessrules.co.uk/, Gillian believes that leading with kindness – by which she means respect, honesty, empathy, inclusivity and fairness – motivates people to do their best every day and strive for results, producing long-term success for both organisations and individuals.  In addition to leading BRE, she mentors a wide range of women in the construction sector, as her contribution to achieving a more diverse – and therefore successful – industry.

Ben leads TLT's economic crime team and has over 20 years' experience advising governments, financial institutions, corporates and individuals on all aspects of economic crime. This includes advice on asset tracing, bribery and corruption, complex investigations, corporate ethics, criminal proceedings, fraud, money laundering, sanctions, tax evasion and terrorist proliferation financing.

Ben also has extensive experience assisting clients to develop, implement and operate global economic crime compliance programmes utilising his experience in senior compliance roles for HSBC, Global Head of Financial Crime Functions and Global Head of AB&C, and Al Dahra (an Abu Dhabi based agribusiness), Global Head of Ethics and Compliance.

Ben also worked for the Asset Recovery Agency and Serious Organised Crime Agency (now the National Crime Agency) and so is uniquely placed to advise clients on handling enquiries and investigations from law enforcement agencies.

Teresa Graham graduated from Newcastle University in 1977. (She was awarded a Fellowship in 2012). She qualified as a Chartered Accountant and, from December 1986 to August 1987, she was seconded to the UK Government’s Enterprise and Deregulation Unit reporting directly to Lord Young, the Secretary of State for Employment and then Trade and Industry.  In March 1988 she was appointed to the Government’s Deregulation Advisory Panel for a two-year term and served through two decades of administrations.

With her red tape hat on Teresa stepped down as Deputy Chair of the Government’s Better Regulation Commission (BRC) in 2008. She is currently Chairman of the Administrative Burdens Advisory Board of HMRC and was the senior independent Director of the Treasury’s Office of Tax Simplification until it closed down in 2023.

In terms of major pieces of work for Government, she completed a high-profile review on pre-packaged administrations for SoS Cable which was published in June 2014. Her publications also include a major piece of work on litigation and compensation for the Lord Chancellor, an independent review for the Chancellor of the Exchequer on the Small Firm’s Loan Guarantee Scheme and a ground-breaking study for the Prime Minister, “Less is More”.  She was also a member of the Financial Reporting Council Group which produced “Louder Than Words” – a study into the complexity of corporate reporting.

More recently she was part of the advisory board appointed by Sir John Kingman in the BEIS Review of the Financial Reporting Council with specific responsibility for the area of audit quality.

She was also a past member of the Accounting Standards Board’s Committee for Accounting for Smaller Entities (CASE); a past member of the Government’s Ministerial Group on Access Business; past Chairman of the RSA’s Educational Policy Committee; past member of the Advisory Committee of the Office for National Statistics, a non executive member of the Steering Board of the DTI’s Small Business Service, and a member of the DTI’s Small Business Council.

During her time as NED of the British Business Bank she chaired both their risk and remco committees, was a member of the audit committee and led a review of two of the Bank’s products to ensure they remained fit for purpose.

She holds a number of appointments, including non-executive, mentoring and advisory roles in growth businesses. In particular, as Chair of the award-winning company Salix Finance Limited holding funds of approximately £1bn on behalf of BEIS for allocation to the public sector to invest in energy saving schemes on their estates, winning awards including Financier of the Year, Finance Product of the Year and the best not-for-profit to work with in the UK. She also Chair’s the SME Advisory Committee of UK Finance, the professional body representing the 300 largest funders in the UK including the big 4 banks. She chairs the Public Interest Committee of professional services firm, RSM.

Teresa received the honour of Dame Commander of the Order of the British Empire in the 2020 honours list for services to small businesses. She was awarded a CBE in the 2007 honours list for public service and an OBE in the 1997 honours list for services to better regulation and the small firm’s sector.

Liz Barclay is the Small Business Commissioner for the UK. She has a background in broadcasting and journalism specialising in small business, personal finance and consumer affairs and is author of several business books. She is also Chair of the Fair by Design Campaign (to tackle the poverty premium) and a non-executive Director of the Lending Standards Board and CCA Global.   

Until she took up the role of SBC Liz was a Financial Inclusion commissioner, an Ambassador for Business Debtline, a member of the Fundraising Regulator and Equity Release Council Standards Boards and ran BackinBusiness.org.uk to give small businesses a voice with policy makers. She works with Boards and small businesses on improving governance, trust and culture, inclusivity, employee engagement, and understanding customer behaviour. She is also a communication and presentation skills coach and chairs national and international conferences. 

Prior to becoming National Chair in 2022, Martin served as National Vice Chair, Policy & Advocacy, and has been a volunteer with FSB for more than 20 years.

As National Chair, Martin works closely with Government and opposition leaders, working to ensure that FSB members’ views are represented at the most senior levels.

He has been running his own business for 35 years and currently owns and manages three businesses, offering public policy, engineering and IT consultancy services.

Henk is an entrepreneurial business leader with expertise in building and managing profitable businesses, both Blue Chip and Start-Ups, particularly in (international) Financial Services, e- business and I.T. (digital services).

He set up Belgian’s first Internet Bank and worked in several retail financial services companies in different countries such as Belgium, France, Spain, Italy, Germany and the UK.

In the UK he started to work at Egg PLC in 2001 where he ran five digital financial services businesses (Savings, Investments, Account Aggregation, Prudential Banking and Insurance). Henk left as Director Investments at Prudential UK (parent of Egg Ltd) in 2007 and set up his own business. He built a datacenter and sold the business successfully in 2012.

He re-entered retail financial services by joining Post Office Ltd as Director Post Office Money running Lending, Savings, Foreign Exchange, Insurance and International Payments.

Early 2017 he became Innovation director for the Post Office where he started to focus on digital transformation. In 2018 he was appointed Managing Director Group Digital and Innovation in Post Office Ltd , responsible for overall digital leadership, strategy development and digital service delivery across the group. As an enabler Digital and Innovation supports the full range of Mails, Financial Services & Insurance, Government, Telecoms and Identity Services across all branch and digital channels.

In November 2020 he took on the role of Customer Experience Director standing up six centres of excellence including marketing, digital operations and delivery, user experience design, customer facing contact centres and service delivery, data analytics and channel sales engagement. Henk’s incisive and inclusive leadership style inspires his people to deliver change and customer centric outcomes, whilst maintaining core values of transparency, trust, and professional integrity.

Henk has a university degree in applied economics and a Master of Science in marketing and lives with his partner Kate in London, UK.

John is the Head of Client Management for Open Account with a team of 60 people, looking after 1700 clients and £4bn of limits on a global basis, the product set covers Off Balance Financing, ABL, CID and Factoring.

John is a career banker having worked within various Barclays Trade and Corporate Relationship departments for 33 years, his most recent roles have included;

• Head of the Structuring, Execution & Delivery Team for Barclays Trade & Working Capital products on a global basis
• Origination and Structuring of bespoke Trade and Working capital solutions for Investment bank clients
• Head of the London Asset Based Lending Team
• Head of Asset Based Lending Syndications and Distribution

John takes an active role in Green financing solutions and was an active member in Project Trado, a paper published by the University of Cambridge Institute for Sustainability Leadership.

John is the Race at Work Champion for Transaction Banking driving through change.

Outside Associations

• Chairman of UK Finance IFABL Product Board
• An FCI Advisory Committee member
• Previously the Vice Chair, ICC United Kingdom Banking Committee

Dr. Roger Barker is Director of Policy and Governance at the Institute of Directors, and a member of the Management Board. Dr. Barker is the author of numerous books and articles on corporate governance and board effectiveness, including the recent volume: ‘The Law and Governance of Decentralised Business Models: Between Hierarchies and Markets’ (Routledge, 2020). He is a former member of the European Economic and Social Committee and the founder of successful corporate governance advisory company. A former investment banker, Dr. Barker spent almost 15 years in a variety of equity research and senior management roles at UBS and Bank Vontobel, both in the UK and Switzerland. He has a doctorate from Oxford University and taught politics at Merton College, Oxford (2005-2008).

Louis Taylor is CEO of the British Business Bank. Prior to that, he was Chief Executive of UK Export Finance (UKEF), the UK’s export credit agency, for seven years. He also held roles as a Director General in the Department for International Trade, and a member of its Executive Committee and Management Board.

Before joining UKEF, Louis held a range of senior roles at Standard Chartered Bank, including from 2013 to 2015 as Chief Operating Officer of Group Treasury, based in London. Before that, he spent three years as the bank’s CEO for Vietnam, Cambodia and Laos, based in Ho Chi Minh City. During this time he was also Vice Chairman of the European Chamber of Commerce in Vietnam (Eurocham). He joined Standard Chartered in London in 2004, working in Group Corporate Development, which undertakes the bank’s acquisitions, divestments and other inorganic growth initiatives.

His earlier career included eight years working for JP Morgan in debt capital markets and mergers and acquisitions, and five years in corporate development and strategy with two industrial companies, Cookson Group plc and BTR plc.

Louis is a trustee of the charity Sightsavers, which prevents sight loss and avoidable blindness, and promotes equal rights for the disabled. He is also a former chair of trustees of the charity Music in Prisons, which runs music education projects to help rehabilitate offenders, and a former chair of governors of the Royal Grammar School in Newcastle upon Tyne. He has an MA in Law from the University of Cambridge.

Richard is a leader in SME banking and fintech, having spent the last two decades working with UK banks and the fastest growing fintechs. He is the CEO of Allica Bank, a digital challenger bank focused on SMEs that has recently passed £1bn of lending, and NED at WorldRemit. Previously he was the group COO at Revolut, as the company expanded from 5 million to 15 million customers and launched in a number of new markets. At OakNorth he developed the business model, technology, and regulatory licence application as the inaugural CEO. In large banks, he has been TSB’s Commercial Banking Director, and COO for HSBC’s UK Commercial Bank.

Emma is responsible for the strategic and operational management of the Lending Standards Board (LBS). She works with the LSB Board, team and stakeholders to ensure the organisation fulfils its mission to drive fair outcomes and the highest standards of consumer protection within financial services through independent oversight.

Having trained as a solicitor, Emma has worked in law firms across the South coast and in London. She was most recently CEO for a UK trade association for insolvency and restructuring professionals.

Emma holds a Bachelor of Laws degree, the post-graduate Legal Practice Course certificate and is a facilitator for the Leadership Trust organization.

Charlotte has been involved in capital markets, fintech and technology throughout her career - as CEO, Chair, Board Advisor and Non-Executive Director. Prior to CFIT, Charlotte was Chair and Trustee of Open Banking and was also CEO of the fintech industry body, Innovate Finance.

In this role, she supported the work of Sir Ron Kalifa in delivering the strategic fintech review (“The Kalifa Review”). She works closely with entrepreneurs, financial services firms, academia, government and regulators on fintech advocacy and strategy. Charlotte received an OBE for her contribution to financial services in the Queen’s Birthday Honours 2021. She believes firmly in a diversity and innovation-first approach. 

John is a Partner in our banking and capital markets team who specialises in conduct and regulation within the retail and SME sectors.  He has over 20 years’ experience in financial services, the last 10 of which have been with EY. Before that, he held a range of senior roles in industry with a large Global bank. In addition to his role supporting clients with all things conduct and regulation, John also leads our consulting practice in the Midlands where he is based.

Aysha leads the team’s work on government loan schemes, economic crime, restructuring and insolvency, and innovation. Her work spans Commercial and Invoice Finance/Asset Based Lending and she also works closely with other policy areas across UK Finance. A lawyer by background, Aysha has particular expertise and focus on all legal issues impacting business banking and finance.  

Prior to joining the Commercial Finance team, Aysha was interim General Counsel at UK Finance, where she was heavily involved in the set-up of the Covid-19 emergency loan schemes as well as advising on UK Finance’s response to the pandemic, several major industry-wide and internal projects, and key policy and operational matters.  Before joining UK Finance, Aysha spent over 15 years in private practice and in-house as a competition/commercial lawyer.

John Collins is the non-exec Chair of UK Finance’s Fraud and Scams Industry Strategy; an ambitious and collaborative two-year cross-industry fraud initiative led by the financial services industry, working with the telecoms and technology sectors, government, and regulators to tackle fraud and scams in the UK.

He retired as Chief Legal & Regulatory Officer for Santander UK on 31 December 2023 after joining the bank in July 2016.

At Santander John was responsible for leading a group of multiple disciplinary teams totalling approximately 500 people covering a range of activities across Legal, Compliance, Regulatory Affairs, Governance and Financial Crime. John was a member of the UK Finance Economic Crime PSB between June 2018-22 and chair of that committee between June 2020-22.

He previously served as the Deputy General Counsel and General Counsel of RBS (NatWest) and before that in the same capacities for ABN AMRO.

He started his career in the City in 1990 as a solicitor at the Denton’s legacy firm Wilde Sapte.

John is on the Board of Progress Together (the body established in 2022 to promote social mobility across financial services).

John has extensive experience across financial services including risk, legal and compliance roles as well as performing executive roles on various senior leadership committees and acting as a Board level advisor. John has worked on and advised on multiple complex transactions, investigations, contentious matters and multiple regulatory investigations including in relation to financial crime systems and controls.

Faye specialises in financial crime risk management within financial services, she is currently Head of Financial Crime & MLRO at Secure Trust Bank, an award-winning UK retail bank and specialist lender. She has over 20 years’ experience in the industry, the majority of which has been spent in financial crime roles across both first and second lines of defence including SME lenders and fintech.

Nic has had a distinguished career in business lending and credit referencing and now runs his own data consultancy company. He is a member of the HM Treasury Commercial Credit Data Sharing (CCDS) governance group and chairs the data quality working party. 

Since 2010 he has collaborated with industry, UK Finance, and the government in the creation and implementation of a system to share credit data between lenders and commercial credit reference agencies. Nic is fully committed to developing and increasing the use of this system as a reliable source of data to help combat fraud, support better lending decisions, and enable businesses to access finance and credit more easily.  

Nic is a former chair of the Business Information Providers Association (BIPA) and is proud to be a founding member. He actively works to promote the significant role of shared data and business information in various sectors, including the government, the industry, and the broader business community.

Scott has spent the last three years leading on Virgin Money Business Bank’s sustainability initiatives; including target setting, strategic and roadmap design, and leading on delivery of key ESG-led actions.

This includes the setting of Science-based Targets in carbon-intense sectors, creation of portfolio-linked metrics and product & partnership development – including Virgin Money’s unique approach to Sustainability-Linked Loans and its Sustainable Business Coach application.

Prior to that, Scott’s roles included strategic, proposition and product development in the commercial banking segment for Virgin Money, starting his career on a graduate programme at Royal Bank of Scotland Group in 2012.

Tom’s leads EY’s Financial Services Strategy and Transactions practice in the UK.  He personally advises a range of banks, private equity firms and authorities on strategy, sustainability, transformation and M&A topics.

A credit risk professional with over 25 years of experience within financial services, managing consumer and business portfolios. A deep understanding of data sources, decision technology and their application, to support decision making within the SME market.   

Member of Listing Authority Advisory Panel and expert panel for Mark Austin on his Secondary Capital Markets Review

20 years+ UK Investment Banking experience advised on IPOs of Trustpilot, THG and Aston Martin; joint global co-ordinator for rights issues for The Restaurant Group and Whitbread and financial adviser the demerger of Ninety One from Investec and the sale of Entertainment One to Hasbro

Rohit overseas a team of economists, statisticians and rural experts to develop and communicate the economic policy of the NFU. Key areas of focus include the development of policy and incentives to manage agricultural market volatility, enhance productivity and drive environmental delivery. With a background in finance and ecological economics, specific areas of interest include investigating how natural capital approaches, net zero transition, environmental markets and government initiatives can support the resilience of the agricultural sector and food systems.    

Graeme started his career working with PwC, working in M&A and finance raising for the technology sector before going on to work at board level with two software businesses focused on financial services.

Since 2006 he’s worked in banking, including starting and running Virgin Money’s venture debt business before roles shaping the direction of business banking at VM, not only in products and proposition but also in lending.  Recently Graeme has taken responsibility for VM’s approach to digital banking for business customers; merging products, proposition and performance alongside the development of customer-facing IT.

Graeme is a board adviser to software business, KAL ATM Solutions GmbH, and Chair of UK Finance Commercial Products Board.

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'.

Mike has policy responsibility for commercial 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 UK Finance, he 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 led on SME, commercial and corporate banking policy issues including the Business Finance Taskforce. At HSBC, he completed secondments with the London Enterprise Agency and HM Treasury. Mike has a degree in Economics and is an associate of the Chartered Institute of Bankers.

Service Owner for the Companies House Compliance and Enforcement Service, Chartered Manager and career civil servant with over 30 years’ experience in Companies House. In January 2016 Lee worked on the People with Significant Control (PSC) legislation, setting up and leading the Companies House compliance efforts. In 2018 he was heavily involved in the UK’s successful FATF assessment and in 2019-20 he led the Companies House elements of the 5MLD transposition concerning discrepancy reporting. In his current role he is now working hard to prepare for the challenges that will come from the biggest changes that Companies House has seen since 1844.

James is Head of Investment Banking at Numis as well as leading their IPO business. He has 23 years of UK ECM, Broking, Corporate Finance and FCA Sponsor experience, having worked for HSBC Investment bank between 2000 and 2007, before spending 9 years at JP Morgan Cazenove as Head of their UK IPO and ECM Execution Team.

He joined Numis in September 2016 and was appointed Head of Investment Banking in March 2019. Through his banking career, James has gained a broad experience of equity fundraisings, M&A and FCA Sponsor transactions, in addition to leading numerous UK IPOs. James is also a member of the FCA’s Listing Authority Advisory Panel.

Prior to joining HSBC in 2000, James qualified as a chartered accountant with E&Y.

As a strategy-focused credit risk leader and senior consultant, John brings over 15 years of extensive experience in engaging with clients to help them better understand their commercial customers and drive growth. He has a deep understanding of products, business processes, risk management, and regulatory requirements across multiple jurisdictions in both developed and emerging markets. His focus is on advocating for the smart use of business data to support clients, not just from a credit risk perspective, but more broadly in assessing the needs in the market.

As the Global Leader for EY’s Corporate, Commercial, and SME (CCSB) Banking Consulting services, Matt oversees planning and delivery of complex business, operations and technology transformation initiatives across Transaction Banking, Cash Management and Wholesale Credit. Matt has extensive experience in financial services, with specific expertise in Payments, Commercial Card, Global Liquidity and Wholesale Credit transformations.

Matt has been interviewed by and featured in various publications such as: Treasury Management International (TMI), Treasury Today, The Banker, The Fintech Times, Global Finance Magazine, FinBizness, International Banker, CoinDesk, Fintech Futures, Trust Payments, and presented to industry groups such as the FIS Commercial Treasury Forum, Sibos, and The Risk Management Association (RMA). Additionally, he regularly presents to commercial banking leadership teams, townhalls and has published multiple thought leadership articles on the Corporate, Commercial, and Small-Medium Enterprise (SME) banking industry.

James Sankey is a Partner with the Banking & Capital Markets team at Ernst & Young LLP in London and a member of the EY Corporate, Commercial and SME Banking leadership team. He is also a Client Service Partner focused on supporting corporate banks. He is a Chartered Accountant and a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW). His experience includes consulting, transactions, strategy and assurance.

Dan is the Banking & Capital Markets (BCM) Leader for EY’s UK Financial Services sector.  With a tax and legal business background, Dan has over 20 years’ of experience providing a wide range of BCM clients with advisory and compliance services, including multiple industry secondments.

Dan was made Partner in 2011 and has since held a number of leadership roles across the UK and EMEIA. Dan also represents EY across various trade bodies including UK Finance.

How Dan is building a better working world

"I’m really proud of my role in supporting the transition across all fronts of the banking industry. For the largest banks, the replacement of legacy technologies and the adoption of innovative and digital offerings will make banks more relevant and useful to their customers. The maturing of the challengers, the proliferation of digital banks and the ever expanding fintech industry will serve to accelerate the importance and relevance of the industry to consumers. Critically, sustaining high levels of trust in the industry is of paramount importance and banks will continue to invest in keeping customers safe from cyber-attacks and financial crime. Given the critical role performed by banks at the heart of the UK economy, the industry has a huge opportunity to accelerate the transition to a carbon neutral world which will ultimately benefit, EY clients, their customers, EY people and society at large."

Christopher Woolard CBE chairs the EY Global Regulatory Network.

He leads EY EMEIA and UK financial services regulation, and UK Fintech. Chris had a 25-year career in UK public service before joining EY including serving on the board of Financial Conduct Authority and as its interim chief executive. He was also a member of the Bank of England’s Prudential Regulation Committee and the Financial Policy Committee. Internationally, he has served on the IOSCO Board and a member of the Financial Stability Board’s strategic risk committee. Chris was awarded a CBE by HM the Queen in 2021 for services to financial regulation and fintech. He is also a freeman of the City of London.

Heather is a Financial Services partner, specializing in retail banking, with a strong focus on regulatory change, strategy and innovation.

She supports clients navigating their response to Consumer Duty.

She has assisted firms with responses to the Financial Conduct Authority’s ongoing scrutiny in areas such as customer in financial difficulties and customer outcomes.

Heather has also led several Skilled Person reviews.