Our Board

UK Finance’s Board has been developed to ensure senior and fair representation across the industry. The Board focuses on issues of importance to retail, SME and wholesale customers including ethics, financial inclusion, financial fraud and economic crime, access to markets and diversity.

UK Finance’s Board ensures the consumer voice is represented via the inclusion of a strong, independent consumer champion.

  • David Postings, Chief Executive, UK Finance
  • Bob Wigley, Chair, UK Finance
  • TS Anil, CEO, Monzo
  • David Best, Managing Director and Deputy Chief Operating Officer for EMEA, Morgan Stanley
  • Anne Boden, CEO, Starling Bank
  • Miles Celic, CEO, TheCityUK
  • Kelly Devine, Divisional President, UK & Ireland, Mastercard
  • David Duffy, CEO, Virgin Money UK plc
  • Joanna Elson OBE, CEO, Money Advice Trust
  • Joe Garner, CEO, Nationwide Building Society
  • Lucy-Marie Hagues, CEO, Capital One
  • Matt Hammerstein, CEO, Barclays Bank UK
  • John Hourican, Chief Executive, NewDay Group
  • Steve Hughes, CEO, Coventry Building Society 
  • Beatriz Martin Jimenez, Group Treasurer and UK CEO, UBS
  • Ruth Leas, CEO, Investec Bank Plc
  • David Lindberg, CEO, Retail Banking, Natwest
  • Max Roberts, UK Country Lead, Stripe 
  • Adrian Sainsbury, Group Chief Executive Officer, Close Brothers
  • Nigel Terrington, Chief Executive, Paragon Banking Group
  • Anne Marie Verstraeten, UK Country Head, BNP Paribas Group

David Postings, Chief Executive, UK Finance

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, Chair, UK Finance

Bob Wigley was appointed as Chair of UK Finance in March 2017. He 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 member of the Takeover Panel and a past member of 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 chairmen 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. He was instrumental in the creation of TheCityUK and has been on its advisory board since its formation.

TS Anil, CEO Monzo

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.

David Best, Managing Director and Deputy Chief Operating Officer for EMEA, Morgan Stanley

David Best is a Managing Director of Morgan Stanley and Deputy Chief Operating Officer for EMEA, based in London. David joined the Firm in 1997 as an Associate in Finance, serving across a number of roles supporting the Institutional Securities Group before assuming Chief Operating Officer responsibilities for the division.

David Best is Chair of the Morgan Stanley UK Group Pension Trustee Limited (from November 2014), a Board Director of the Morgan Stanley Investment Management Limited (from January 2021), as well as a Director of the Banking Standards Board (appointed June 2020) and a Board member of the British Banking Association (from January 2017).  David also holds a variety of philanthropic board appointments including the Monteverdi Choir and Orchestra.

David is an Alumnus of the Victoria University of Manchester, a qualified Chartered Accountant, a Fellow of the ICAEW and a Freeman of the City of London.

Anne Boden, 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, CEO, TheCityUK

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.

Kelly Devine, 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.

David Duffy, 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.

Joanna Elson OBE, 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.‎

Joe Garner, 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.

Lucy-Marie Hagues, 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.

Matt Hammerstein, 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.

John Hourican, 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.

Steve Hughes, 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.
External Appointments

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.

Beatriz Martin Jimenez, Group Treasurer and UK CEO, UBS

Beatriz Martin Jimenez was appointed as Chief Operating Officer of UBS Investment Bank in October 2015. In this role, Beatriz acts as the strategic partner to each of the businesses operating across, and aligned to, the Investment Bank. She is responsible for driving the development and implementation of the IB business strategy, maintaining an independent role in the oversight of operational risks in the IB and managing the systems and processes of multiple regulatory and non-regulatory change and remediation programs globally.

In January 2019, Beatriz became the UK Chief Executive having served as the UK Chief Operating Officer since 2014. As UK Chief Executive she is responsible for driving strategic initiatives across the region and plays a key role in regulatory and operational issues. Beatriz was also appointed as a member of the UBS Europe SE Supervisory Board in June 2019. She also sits on the Optimus Board Foundation.

Beatriz joined UBS in 2012, as Chief of Staff to the CEO of the Investment Bank, from Morgan Stanley where she held positions in Fixed Income and Solutions Sales.

Beatriz began her career at Deutsche Bank as a graduate trainee in structuring and trading roles, both in London and Frankfurt.

Beatriz holds a Masters Degree in Business from the Universidad Autonoma de Madrid, where she also completed a year abroad as part of the Erasumus exchange program, completing a year at the Frankfurt School of Finance and Management. She is fluent in Spanish, German and English.

Ruth Leas, 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.

David Lindberg, 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.

Max Roberts, 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.

Adrian Sainsbury, 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.

Nigel Terrington, 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.

Anne Marie Verstraeten, 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.

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