Board of Directors

  • Sir Malcolm Williamson

    Sir Malcolm Williamson


    Sir Malcolm’s career in the financial services sector includes extensive and varied experience at non-executive, executive, Chairman and Senior Independent Director level. Previous appointments include the likes of AVIVA PLC, National Australia Bank and JP Morgan Cazenove, while he currently serves as Chairman on the board of Newday Group Limited, The Governing Council of the Centre for the Study of Financial Innovation, and the Board of Trustees of Youth Business International.

  • Philip Jenks

    Philip Jenks

    Deputy Chairman

    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.

  • Noël Harwerth

    Noël Harwerth

    Senior Independent Non-Executive Director

    Noël has held a number of senior roles across a variety of sectors during her career. She is currently Chairman of the UK Export Finance agency, serves on the board of the UK Department of International Trade, and is appointed Non-Executive Director to the boards of Standard Life plc, The London Metal Exchange, and Sirius Minerals. She serves as a Senior Independent Director on the board of CHAPS Clearing Company Ltd, is a member of the International Women’s Forum, and is also Chairman of the UK Chapter of Women Corporate Directors.

  • Ian Ward

    Ian Ward

    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 Brooke

    Timothy Brooke

    Independent Non-Executive Director

    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 Kapoor

    Rajan Kapoor

    Independent Non-Executive Director

    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.

  • 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.

  • 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.

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