Cymru Mortgage Lunch 2025

Steve became Agent for Wales in June 2015, after a 12 month secondment from the Office for National Statistics in the agency. After graduating with a BA (Hons) in Social Sciences from Nottingham Trent University he joined the Government Statistical Service in 1998. He has undertaken a range of roles in Government that have included analysis of the Labour Market, Employment Relations, Business and Regional Statistics as well as Measuring National Well-being. He has lead various development projects to improve the quality of statistics as well as providing statistical advice to policy makers on monitoring and evaluating government policies. 

Originally from Camberley in Surrey, Steve moved to Cardiff in 2008 after living in South East London for 10 years, two of which were spent administrating a large charity full-time. He is married with 3 children and enjoys mountain biking in his spare time.

Joining the Society in 2017, Dawn moved into the role of Chief Operating Officer and was appointed to the Board in February 2018. 

Dawn has enjoyed a successful career in senior leadership roles, spanning the banking, insurance and building society sectors with some of the UK’s biggest organisations, including, Sainsburys Bank, Principality Building Society and Legal & General. 

With over 30 years’ experience within financial services, Dawn is highly astute and skilled in the formulation of strategy and delivering change. She has a wide breadth of knowledge across all key functional areas of Operations, IT, Business Change, Brand & Communications, HR and Compliance Quality Assurance with successes delivering results through high performing teams and creating customer and colleague centric cultures. Dawn took on the role of Chair for the UK Finance Wales Policy Committee in 2022, working to influence government policy on behalf of lenders and bringing the sector together for the good of consumers.  

Dawn’s dedication and passion for the Society’s colleagues, members, and communities’ shines through, making a positive impact each day. She is a Trustee for the Society’s Charitable Foundation, ensuring worthy causes receive the help and support they need to flourish. 

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 brings with him a wealth of experience including time as a director in the Regulatory Financial Services Practice at Grant Thornton LLP and 11 years regulation and compliance experience at the FCA. Whilst 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 Mortgage Credit Directive.