Board of Trustees - "Board"
The Institute is governed by a Board elected in accordance with the Royal Charter and Rules. The Board is responsible for the overall governance, strategic direction and functioning of the Institute as set out in the Institute’s Royal Charter, Rules and Regulations, and the Terms of Reference. The Board is also responsible for ensuring the Institute’s activities are compatible with its charitable aims, and that the Institute complies with relevant legislative and regulatory requirements
The Board currently comprises of 13 Trustees, listed below, from a variety of backgrounds in the banking industry and elsewhere.
President and Chair of the Board of Trustees 2021-2023
Steve has worked in banking for over 40 years and is currently a Non Executive Director at Bank of Ireland where he chairs the Remuneration Committee. He sits on the Advisory Board of The Arora Group and Kingsley Healthcare and was previously on the Financial Capability Board of the Money Advice Service.
During Steve’s banking career he was CEO of The Hodge banking and life assurance businesses and Shawbrook Bank.
Prior to joining Shawbrook in 2008, he led the UK banking businesses of Santander UK sitting on the UK Board of the Holding company and various UK subsidiaries. He also represented Santander on the Board of its US businesses.
Prior to joining Santander in 2008, Steve spent eight years at RBS, where he was CEO of Business Banking, Retail Markets and Managing Director of Commercial Banking and Corporate Banking, Corporate Markets.
Steve was presented with an Honorary Degree of Doctor of the University of Kent in 2016 for his contribution to Banking and the University. He has a young family and in his “spare time” likes to follow Everton football club and Sussex county cricket team.
Vice-President and Vice-Chair for 2021-2023
David brings over 38 years of experience within Financial Services spanning executive leadership of strategic and operational teams across multiple markets and jurisdictions, together with Trustee and Board memberships. He spent the last 10 years on the Royal Bank of Scotland HR Board working directly with the Group CEO and Executive Committee and was closely involved in the successful turnaround changes. During this period, he was Director of Learning and Development, responsible for Leadership, Talent & Succession, Culture, the establishment of the RBS Business School and the creation of an internal coaching practice with 150 coaches, winning several Princess Royal Training awards.
David’s Financial Services experience includes managerial roles in insolvency, retail & business banking and Head of IT and Change for NatWest Insurance Services. He was also Head of Diversity for NatWest. He is a Fellow, Trustee and Board member of the Chartered Banker Institute and Chair of its Global Membership Forum, where he leads on members’ interaction with the Institute’s Board on strategy, professionalisation and membership benefits.
Board of Trustees (alphabetically)
Anders Bouvin (Independent Member: 2020-2023)
Anders Bouvin studied economics at the University of Lund and also two years at the University of Sorbonne, Reims and at the University of Montpellier. After graduating in 1985, he began his career with Handelsbanken, initially fulfilling a number of roles within the bank's international departments in Stockholm and Luxembourg.
Throughout the 1990s, Anders worked within the Swedish branch network. Having been Head of Corporate and then Deputy Branch Manager at branches in Stockholm and Lund, he then spent five years as area manager in one of Handelsbanken's six Swedish regional banks.
In 1999, Anders was appointed General Manager of the New York branch, returning to the Nordics three years later as CEO of Handelsbanken in Denmark and Group Executive Vice President. Under his leadership, newly acquired Midtbank was integrated successfully into the bank's Danish operations.
From 2008, Anders was instrumental in Handelsbanken's UK expansion, initially setting up a second regional bank for the north of Great Britain, before becoming UK CEO in 2010.
During these years, Handelsbanken UK established itself as a popular and profitable banking business, with more than 200 branches throughout the country. Anders's contribution to the British financial sector was recognised in 2015 with the award of an honorary doctorate from the London Institute of Banking & Finance. In 2018, he was awarded Best CEO Western Europe by International Banker.
In August 2016, Anders was appointed President and Group Chief Executive of Handelsbanken. Anders retired from Handelsbanken three years later.
Paul Denton FCBI (2021-2024)
Paul Denton has over 30 years’ experience in financial services and is currently the Chief Executive of Scottish Building Society.
He has held a number of senior leadership roles at RBS, NatWest and Coop Bank as well as his previous role as Managing Director at Co-operative Funeralcare.
Paul joined the Institute in 1988 undertaking the professional qualifications of the time, before becoming a Fellow in 2003. He has proudly been a Chartered Banker since its launch.
He is also a Certified Bank Director, has an MBA from Edinburgh Business School and an Honours degree from Abertay University.
Paul is active across a number of Industry forums including membership of the UK Finance Mortgage Board.
He is also a Trustee at Chest Heart Stroke Scotland and a Pension Trustee for the Building Societies Association.
Katherine Graham (Independent Member 2021-2024)
Katherine has spent most of her career in the financial services industry. A Programme Director by trade, she has managed people change for the Royal Bank of Scotland (now known as the NatWest Group) during some of the most challenging times in banking.
Her academic background is in HR disciplines, holding a MA and MSc from Heriot-Watt and the University of Edinburgh respectively, and she is a Fellow of the Chartered Institute of Personnel and Development.
However, she is a fan of reinvention, and is now a technologist! As head of the global Security Services function for the NatWest Group, she is rolling out the use of AI and robotic process automation, and having fun looking at gamification, and process re-engineering.
Outside of work, Katherine volunteers at her local Code Club, where young people learn to create games, animations and websites using code, and is a supporter of STEM initiatives. She is also a member of the Board of Management at Forth Valley College, one of Scotland’s leading providers of education and training.
She is happiest when running through a theme park after her three young boys and believes in creating the right opportunities so that everyone can access learning and drive their own professional development, throughout their whole career.
Ian Hardcastle FCBI (2021-2023)
Ian is a Chartered Banker and has been a Fellow of the Institute since 2014. In his 20 years of experience with the Alliance & Leicester, Royal Bank of Scotland and latterly the AXA Insurance Group, Ian has enjoyed a varied career in HR, Operations, Strategy, and Corporate Banking. A qualified executive coach and emotional intelligence practitioner, Ian is currently the Chief Operating Officer of a large social care organisation in the UK. Ian has been instrumental in developing bespoke qualifications, leadership development and relationship banker learning pathways, which have played a major part in transforming attitudes towards continuous professional development and is passionate about improving the reputation of both industry and bankers in the UK.
Outside of his day job, Ian holds several non-executive positions in the private and 3rd sectors and is an active Fellow of the Chartered Institute of Personnel and Development.
Ian has also completed an MBA as part of the CBMBA programme at Bangor University. Ian is married with two daughters and a keen sportsman when time permits.
Ian Henderson (2020-2023)
Ian is currently CEO of Kyckr, an Australian listed RegTech business providing global KYC solutions to banks, payments services providers and other regulated businesses. He joined Kyckr after a 30-year career in retail and business banking and wealth management. He is an independent Non-Executive Director at Metro Bank, Chair of its Risk Oversight Committee and a member of its Audit Committee.
Ian is also a Member Trustee of the Chartered Bankers Institute. From 2012, he was actively involved in the UK Challenger Bank sector holding CEO roles at Arbuthnot Latham & Co Limited, Kensington and Shawbrook Bank. Prior to this he was Chief Operating Officer of the Private Banking Businesses in Barclays Wealth and before that he was with RBS for 21 years. His final role there was as CEO of RBS International. He also held the positions of Chief Operating Officer Retail Banking and Marketing Director RBS & NatWest. Ian holds degrees in Economics and Finance from Scottish and Canadian universities and an MBA.
Billy MacLeod (2020-2023)
Billy is currently Head of Industry, Stakeholder and Regulatory Affairs for Allied Irish bank UK, having recently transitioned from his Director role covering Scotland & North East England. Billy has 34 years’ experience of leading Banking teams across a variety of sectors, segments, and functions, primarily to support business growth. Billy started his career with RBS and enjoyed 19 years’ service mostly leading front-line teams. In 2005 Billy joined Clydesdale Bank to support their own growth plans and continued supporting Scottish businesses. In 2015 Billy joined Allied Irish Bank to develop their proposition and establish a challenger bank in UK.
Billy is a Chartered Banker and has also achieved a MBA with Strathclyde University achieving a distinction in his dissertation on “Successful Criteria for Joint Venture Initiatives” in 2011.
Billy is an active board member for a variety of organisations including Chambers of Commerce and a Pension Trust.
Peter McCormack FCBI (2019-2022)
Peter is an adviser on governance, risk and regulation. He has worked in the financial services industry since 1981 and for the past twenty years has focussed on governance, risk and regulation. During this time, he has worked at the Financial Services Authority, the Guernsey Financial Services Commission, the Prudential Regulation Authority, and, most recently, the Financial Conduct Authority.
He has extensive industry related education and is a Fellow of the Chartered Banker Institute, a Fellow of the International Compliance Association. and a Fellow of the Institute of Directors. He is also a Chartered Banker, Chartered Secretary, Chartered Director and Solicitor of the Senior Courts of England and Wales. He is a former Director of the Institute of Operational Risk, and former Chair of the Audit & Risk Committee and, latterly, Chair of the Board of Islington Law Centre.
Elisa Moscolin (Independent Member 2021- 2024)
Elisa Moscolin is a sustainability professional with a track record of driving this agenda in global blue-chip organisations. She advises Boards and Executive teams on sustainability strategy and execution. She has worked in the ICT and Financial Services sectors.
Elisa is currently Executive Vice President for Sustainability at Sage Group plc.; Sage is a global market leader for technology for small and medium businesses and Elisa is leading its sustainability agenda. Prior to that, Elisa was Head of Sustainability & ESG at Santander where she led the transformation from old-fashioned CSR to sustainability. During her time at Santander, Elisa turned around all legacy programmes, worked with the Board and Executive team to agree on the bank’s ESG vision and ambition, designed a new ESG strategy, built a diverse and high-performing team, designed a sound governance and operating model, established an active dialogue with top investors and enhanced the bank’s ESG credentials. Elisa was also responsible for the bank’s Foundation, which she restructured by working closely with its Board of Trustees to enhance its governance, reputation, and impact. Before Santander, Elisa worked for Vodafone Group in global and local roles in Italy, the UK and Kenya. In Kenya she worked with Safaricom, a subsidiary of Vodafone which developed M-Pesa, the iconic mobile-based money transfer and banking platform that has greatly improved financial inclusion in the country. She is an alumni of Cambridge Institute for Sustainability Leadership and holds a Master’s Degree in International Studies and Diplomacy.
Elisa’s professional ambition is to contribute to shifting the business community toward more ethical and responsible business practices.
Stephen Pearson (2019-2022)
Following a successful career as a solicitor in London, Stephen joined RBS Group as Head of Litigation in 2001. He moved to Virgin Money in 2010 where he was General Counsel during the acquisition of Northern Rock. Following his retirement in 2019 he joined the Board of Trustees of the Chartered Banker Institute and chairs its Quality and Standards Committee. He is a Fellow of the Institute.
Stephen now runs his own advisory consultancy, working with a range of clients on governance and sustainability projects, with a focus on Fintechs and Financial Inclusion. He is a non-executive director of Virgin Start Up and Chair of Board of Trustees of the Respite Care Charity, Leuchie House.
Sue Primmer (Independent Member 2020-2023)
Sue Primmer is a global Chief Marketing Officer for Sionic, an award-winning specialist financial services consultancy with 300 staff worldwide, working across banking, asset and investment management, financial markets infrastructure, wealth management, insurance and reinsurance.
Sue has spent over a decade in financial services and was previously Director of Corporate Communications for one of the UK’s fastest growing financial services consultancies where she also established the company’s graduate and management training programmes.
Sue’s career spans private and public services and both large and small organisations. She was previously Assistant Chief Executive, Communications & Consultation for Hackney Council, dealing with local issues as well as with the impact of national policy and working as part of the Olympic Host Boroughs to secure a meaningful local legacy from the Games in the run up to London 2012. This followed six years as Director of Communications for the University of Birmingham.
During this period, Sue also acted as media and public affairs lead for the Russell Group over the introduction of tuition fees; founded the Midlands’ Media Centre training several hundred leading research academics, diplomats and business leaders in media skills and; struck a strategic alliance between the University and the BBC, securing a BBC Drama Village on campus.
Before this, Sue was founding Editor of birminghampages.com, an early dotcom start-up owned by Chrysalis media. This followed five years as Director of Communications for one of the UK’s most senior Church of England Bishops, who was also a member of the House of Lords and the Archbishop of Canterbury’s Envoy to the Vatican State.
Sue began her marketing career helping Luton College of Higher Education to become a ‘challenger brand’ in higher education and achieve University status following earlier posts in medical and veterinary publishing. Sue is an English graduate from Cambridge University and has a second degree in the construction of gender in Shakespeare from the University of Durham. Sue is married and lives in East London with her family.
Andrew began his banking career in the 1980s with The Royal Bank of Scotland Group and was selected to join their Accelerated Management Development Programme. Through this programme he rapidly gained experience in Retail, Corporate & Commercial banking and lending, Treasury & Capital Markets, Group Internal Audit and managed restructuring programmes for some of the Bank’s subsidiary companies, whilst completing his Chartered Banker qualifications.
He left RBS in 2000 and began to develop a strong specialism in financial services risk management, whilst broadening his experience into other financial services sectors, and held various senior risk positions in firms including: Baillie Gifford & Co, The Royal London Group and Standard Life, where he took a leading role in their Risk function during their de-mutualisation and flotation on the UK stock market.
Andrew then spent the following 7 years in management consulting (including KPMG) up to Partner level, specialising in financial services risk & regulation. He consulted to several of the CEOs and CROs in Britain’s largest banks and led several major FSMA Section 166 Skilled Persons Reviews. He also undertook due diligence work on behalf of HM Treasury, on the banks applying to the Government’s Asset Protection Scheme, during the global financial crisis.
In 2013, he left consulting to become an Interim Executive, and since then he has developed a deep specialism in Interim Chief Risk Officer (SMF4) positions. Some of his interim executive clients include: Metro Bank, Lloyds Banking Group, Cambridge & Counties Bank, Al Rayan Bank, Kleinwort Benson and Schroders.
Andrew is a qualified Chartered Banker and Fellow of the Chartered Banker Institute. He also holds an MBA degree from the School of Business at Oxford University, in addition to other professional qualifications from the International Compliance Association and the Chartered Institute for Securities and Investment.
With a strong interest in keeping up to date with new and emerging technologies, he recently completed an Executive Education Programme at the Massachusetts Institute of Technology (MIT), Sloan School of Management, on Artificial Intelligence and its Implications for Business Strategy.
Splitting his time between his homes in Edinburgh and Central London, Andrew is also a Board Trustee for a charitable organisation called Vauxhall City Farm, an inner-city farm in Central London.
The Board is supported by several committees and sub-committees, on which the Trustees and others serve.
- Audit and Risk Committee
- Remuneration Committee
- Learning and Development Advisory Board
- Nominations Committee
- Quality and Standards Committee
- Membership Forum
- Stakeholder Forum
If you require further information about our Board or Committees, please contact us.