Phil has over forty years experience in retail banking services, including 37 years at HBOS, one of the UK’s
largest mortgage and savings businesses. He has worked closely with the Department for Communities and Local Government
and been an adviser to the Housing Finance Select Committee. He is also a non-executive director at Leeds Building Society.
Chief Executive Officer
As Chief Executive Officer, Ian leads the senior team and is responsible for delivering strategy, ensuring
risk management is a core focus, and setting the values and standards to which employees work. He has over 20 years experience
in financial services, focusing mainly on strategy, financial analysis and risk management. Ian qualified as a Chartered
Accountant with Ernst & Young where he worked in the Financial Services Practice as both auditor and management consultant
in both Europe and Asia Pacific regions.
Chief Financial Officer
Sebastien has executive responsibility for all aspects of finance, including production of management and statutory
accounts, external audits, financial planning and analysis, corporate finance, treasury operations, capital markets activities,
and asset/liability management. He previously held senior roles at Merrill Lynch, GMAC-RFC and Morgan Stanley.
Chief Risk Officer
Peter is responsible for the risk, legal and compliance teams and has over 36 years’ experience in financial services, the majority of which was with Barclays. Prior to joining Charter Savings Bank, he was the Chief Risk Officer for Coventry Building Society and undertook senior roles at the Co-operative Bank and Shawbrook Bank. Peter is an Associate of the Chartered Institute of Bankers and holds a Finance Degree and a Masters in Business Administration.
Vice Chairman & Senior Independent Non-Executive Director
Ian held the position of Chief Executive Officer for Leeds Building Society for 16 years. As a non-executive director, he brings a wealth of experience to the group and is responsible for overseeing the Savings proposition. Ian has considerable experience in non-executive roles including his current appointments at Newcastle Building Society and Harrogate & District NHS Foundation Trust.
Tim combines significant experience in UK-based regulated retail deposit-taking businesses with a sound knowledge of the regulatory environment, and is particularly skilled and experienced in governance, risk management and audit. He was a partner at Pricewaterhouse Coopers LLP and has held senior positions in global financial institutions. Tim chairs a number of board committees and is responsible for overseeing the group’s internal audit function.
Rajan was Financial Controller of the Royal Bank of Scotland Group and held a number of senior finance positions in a 28 year career with RBS. He has wide-ranging experience of all aspects of banking including external reporting, financial planning and analysis, asset and liability management, taxation and stress testing. He also has extensive experience of financial and regulatory reporting in the UK and US, with a strong background in internal financial controls, governance and compliance. Rajan is a Fellow of the Institute of Chartered Accountants and of the Chartered Institute of Bankers in Scotland.