Senior Management

David is a career banker and a Fellow of the Chartered Banking Institute. He spent 22 years at The Royal Bank of Scotland (RBS) holding roles in Branch Banking, Consumer Finance and several Group central functions. From 2004 to 2008 David was based in the US as Chief Executive Officer of Kroger Personal Finance, a joint venture between RBS and Kroger Co.

David joined Tesco Personal Finance in 2008 and was a member of the executive team that built Tesco Bank to support customers' financial needs across physical stores and digital channels. David was an Executive Director and Managing Director of Tesco Bank from 2015 to 2019. His experience includes banking, payments, risk management, governance, consumer facing businesses and retailing.

Rachel has considerable experience in financial services gained from a career spanning more than 20 years. She has held senior finance roles in Metro Bank where she was part of the original team that set up the bank. Rachel was also part of the successful Initial Public Offering at Shawbrook Bank.

Prior to joining STB Rachel was CFO at AIB Group (UK) plc. She brings a wealth of banking experience focused on high growth start up organisations and wider financial services experience gained in asset management, life, pensions and general insurance. She is a qualified chartered management accountant.

Katie has a wealth of experience in the finance sector. Before joining STB she spent nearly 15 years working for HSBC, most recently in the role of Chief Operating Officer for HSBC's Retail Banking & Wealth Management division in Australia. Prior to that she was Chief Information Officer for HSBC Australia and held various leadership roles with a particular focus on IT.

In her most recent role, Katie was responsible for all operational, transformation and strategy aspects of the Retail Bank in Australia, including areas of strategy development, digital transformation and continuous improvement.

Chris has extensive experience across both risk management and customer facing roles, with a career in financial services spanning over 20 years.

Before joining STB, he was Chief Risk Officer for RBS International providing executive leadership and strategic direction for the Risk function. Previous employers include Coutts International, RBS and Natwest.

Andrew has over 20 years' experience in financial services, with a focus on commercial strategy and performance. Andrew has held major new business acquisition and commercial leadership roles within Lloyds Banking Group, Hitachi Capital and BNP Paribas, having built an industry recognised track record for driving profitable scale.

As Managing Director, Andrew has created and delivered successfully upon an ambitious growth strategy, moving the business from niche provider to major market player.

Julian joined in October 2022 from Tesco Bank where he was Commercial Director covering Savings, Current Accounts, Credit Cards, Loans, Mortgages and latterly Insurance. He joined Tesco Bank from ING Direct where he had various roles including Mortgage and Insurance Director and Customer Service Director.

Prior to this Julian’s career was focused on Customer Services working in outsourcing and consulting with brands including Disney, O2 and Sainsbury’s. Julian is a Chartered Banker and has a MBA. Julian is a mentor for Women in Banking and Finance and serves on the board of a local charity.

Luke brings nearly 30 years of experience in financial services to Secure Trust Bank. Prior to joining STB, he served as CEO of Momenta Finance, an alternative finance provider offering business loans, property finance, and asset finance solutions to UK SMEs.

His previous roles include Head of UK Sales and Head of UK Property Finance at Funding Circle and was also previously Head of Property Finance and Commercial Director at Barclays Business Bank.

Charles is a corporate lawyer specialising in corporate transactions, corporate governance and compliance. He is a former Corporate Partner at the law firm Simmons & Simmons where he worked for 30 years, advising banks, asset managers, listed companies and the Government.

He is also a charity trustee of the Association of Medical Research Charities.

Lisa Daniels is an Associate of the Chartered Governance Institute with over 20 years’ experience in corporate governance best practice, listing regimes, corporate transactions and restructures, and share plan administration. She joined Secure Trust Bank in March 2024.

Prior to joining Secure Trust Bank, Lisa was Group Company Secretary of Jupiter Fund Management plc, a FTSE 250 investment management firm. Previously she was Managing Director of Citco (Bermuda) Limited, a fund administration and corporate service provider, and has undertaken various governance roles within Man Group plc, Computacenter plc, BP plc and KPMG LLP.