Executive Team

  • Ian Lonergan

    Ian Lonergan

    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.

  • Sebastien Maloney

    Sebastien Maloney

    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. Sebastien holds a BA in Economics and a Masters in Business Administration.

  • Peter Elcock

    Peter Elcock

    Chief Risk Officer

    Peter is responsible for the risk, legal and compliance teams and has over 37 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. Peter is an Associate of the Chartered Institute of Bankers and holds a Finance Degree and a Masters in Business Administration.

  • Alan Cleary

    Alan Cleary

    Managing Director

    As a co-founder of CCFS, Alan is Managing Director of Charter Savings Bank's sister brand Precise Mortgages. He has worked in the mortgage industry for over 25 years. He was head of Sales at BM Solutions from inception in 2001 to 2005 when he became Managing Director of Halifax Intermediaries, the largest intermediary mortgage brand in the UK at the time.

  • Paul Whitlock

    Paul Whitlock

    Director of Savings

    With over 20 years of UK and international experience in the retail banking industry, including senior positions at First Direct, HSBC, OneSavings Bank and Shawbrook Bank, Paul has extensive experience delivering banking products to the consumer market. He brings specialist knowledge of the savings market and is responsible for all aspects of Charter Savings Bank’s savings strategy, products, propositions, sales, distribution and operations.

  • John Nixon

    John Nixon

    Chief Operating Officer

    John has over 25 years financial services industry experience, including 17 years at HBOS group where he held the role of Director of Mortgage Operations at Birmingham Midshires and also Director of New Business at The Mortgage Business. He has a proven track record in defining step changes in mortgage processing and servicing strategies, along with IT platform delivery. John led the development and launch of Precise Mortgages’ origination platform and Exact’s mortgage servicing platform, ensuring these business units deliver compliant service excellence.

Financial Services Compensation Scheme

Financial Services Compensation Scheme

Your eligible deposits with Charter Savings Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered. Please click here for further information or visit www.fscs.org.uk.