Board and senior team

Natalie has been heavily involved in the access to cash agenda for a number of years. She authored the Access to Cash Review in 2019, led the Community Access to Cash Pilots work in 2021 and 2022 and then worked with the Cash Action Group's major banking institutions and key consumer groups to establish a permanent model to protect cash access in UK communities.

Natalie is an experienced non-executive Director and serves on the Boards of Openreach, LV=, Ford Credit Europe and Anglian Water Services. Her previous executive roles include chief executive of the Financial Ombudsman Service.

Tim is Director of Access to Banking and Branch Services at Barclays – responsible for delivering sustainable access to cash and physical banking services. Tim has 23 years’ experience in financial services and has served as a Director of the LINK ATM Scheme and Community Access to Cash Pilots Board. He is also a member of the LINK Consumer Council.

Mike brings over 40 years’ UK banking experience to the Board with experience in audit, corporate and retail banking as well as financial crime and risk. During his career at RBS Group, he held senior retail banking roles covering the UK and Ireland. After an advisory role with McKinsey, Mike joined HSBC UK and now leads the risk operations of the bank's distribution business.

Gary is TSB’s Chief Operating Officer – responsible for customer service strategy including day-to-day running of branches, telephony and key operational capabilities. Gary has over 30 years’ experience in financial services with a breadth of expertise managing large scale customer transformation programmes. Before joining TSB, he was Customer Service Director at CYBG / Virgin Money UK.

Pete is the Customer Engagement Director within the Consumer Relationships division of Lloyds Banking Group. Customer Engagement is at the heart of serving their 26m customers across the UK.

Accountable for delivering great customer experiences, Pete leads around 18,000 colleagues across the UK:

• Halifax, Lloyds and Bank of Scotland community banks: supporting customers with our physical network of branches, ATMs and IDMs
• Personal Banking: call centres and chat services available for customers when it really matters
• Digital: market-leading mobile app and website experiences for 20m digitally active customers
• Home: advising customers on mortgage, protection and insurance needs
• Engagement Transformation: driving a coordinated roadmap to deliver the best customer engagement in an increasingly digital environment
• Colleague Channels Platform: provides capabilities for customer-facing colleagues in branches and personal banking to serve customers

Prior to Lloyds Banking Group, Pete spent much of his career in the retail banking, business banking and wealth divisions of the Commonwealth Bank of Australia.

Leading both business and technology teams, Pete helped transform the Bank into one of the world’s leading digital financial institutions.

Javed brings extensive non-executive and executive experience to the Board having overseen major physical and digital investment programmes, risk management, public commissioning, mergers, and expansions. Javed’s executive career includes chief executive of Barnardo’s, the charity supporting vulnerable children. In 2022 Javed published ’The Khan Review: Making Smoking Obsolete’. 

Vicki has over 30 years of banking experience and is currently Operations Director and part of the Danske Bank UK Executive team. She has held a variety of senior roles across Retail, Operations, Financial Crime, Transformation, Strategy and Corporate Development covering UK and Ireland.

Jo spent most of her executive career at the Bank of England, working in a range of roles including banking and payments, and most recently as a Deputy Governor and Chief Operating Officer of the Bank. Jo is also a trustee of Trailblazers (a charity providing mentoring services to young offenders) and sits on the Advisory Council for the University of Derby Business School.

Gareth has more than 30 years' experience in banking, spanning retail and commercial. His most recent role was Managing Director of Business Banking at Lloyds Banking Group, with end-to-end responsibility for over one million small business customers. Having been a trustee of the Lloyds Bank Foundation, Gareth has many years of first-hand experience working with those who support the most vulnerable in society. 

Andy is a highly experienced chief financial officer and Board adviser, having served for over 20 years as a director of restaurant, hotel and health club businesses including roles as the Chief Financial Officer of PizzaExpress and Finance Director at Whitbread and David Lloyd Leisure.

Cat brings experience from both the public and private sectors thanks to a varied career in the heritage sector, central government, financial services and regulatory and ombudsman organisations. Cat is responsible for the smooth running of Cash Access UK and for external affairs and communications.  

Following 15 years in a variety of roles at The Royal Bank of Scotland / NatWest Group, Mark brings extensive experience in payments and cash services to Cash Access UK. Mark is responsible for supply chain management as well as working with suppliers across the industry to develop and deliver a range of cash solutions to meet communities' changing needs.