The Rt Hon Lord Forsyth of Drumlean PC Kt

Non Executive Chairman

Lord Forsyth

Appointed to the Board on 1 March 2014 as an Independent Non-Executive Director and appointed Chairman of the Company on 19 October 2016. Member of the Remuneration and Nomination Committees.

Skills and experience:

Lord Forsyth is a former Chairman of Hyperion Insurance Group, and former Deputy Chairman of JP Morgan UK and Evercore Partners International. He was appointed to the Privy Council in 1995, knighted in 1997, and joined the House of Lords in 1999. He was a member of the House of Commons for 14 years and served in Government for 10 years, latterly as a Cabinet Minster. His background in the public and private sectors has given Lord Forsyth a broad experience of matters relevant to the business of the Group including strategy, governance, operations, marketing, risk and human capital.

Other appointments include:

Lord Forsyth is a director of J&J Denholm Limited and Denholm Logistics Group Limited and Chairman of the House of Lords Economic Affairs Committee.

David McCreadie FCBI

Chief Executive Officer

David McCreadie

Appointed to the Board on 17 December 2019 and appointed CEO, subject to regulatory approval on 5 January 2021.

Skills and experience:

David McCreadie has many years of banking experience and is 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 appointed the Chief Executive Officer of Kroger Personal Finance, a joint venture between RBS and Kroger Co, based in Cincinnati, USA. David joined Tesco Personal Finance in 2008 and was a member of the executive team that built Tesco Bank. David was an Executive Director and Managing Director of Tesco Bank, with a responsibility for the banking and insurance businesses, from 2015 to 2019.

His experience includes banking, risk management, governance, consumer facing businesses and retailing.

Ann Berresford

Independent Non-Executive Director

Ann Berresford

Appointed to the Board on 22 November 2016 and appointed Chairman of the Audit Committee on 23 September 2017. Member of the Risk and Nomination Committees.

Ann will be appointed as the Senior Independent Director following the close of the Annual General Meeting on 13 May 2020.

Skills and experience:

Ann Berresford is a Chartered Accountant with a background in the financial services and energy sectors. She has held positions at Bath Building Society, the Pensions Regulator, Hyperion Insurance Group, Triodos Renewables plc, the Pension Protection Fund, Bank of Ireland Group, Clyde Petroleum plc and Grant Thornton. Her career has given Ann experience in mortgages, pensions, operations, accounting, finance and risk.

Other appointments include:

Ann is the Senior Independent Director and Chairman of the Remuneration Committee of Albion Venture Capital Trust PLC.

Victoria Stewart

Independent Non-Executive Director

Victoria Stewart

Appointed to the Board on 22 November 2016, appointed Chairman of the Remuneration Committee on 21 July 2017 and appointed as a member of the Nomination Committee on 28 February 2018.

Victoria Stewart was for many years a fund manager and investor in UK small companies. Victoria has knowledge of corporate structures and capital markets with particular experience in smaller companies listed on the Main Market and AIM. She has held a number of positions at Royal London Group and Chiswell Associates (formerly Cantrade Investment Management Limited and now part of Sarasin & Partners). Her background has given Victoria experience in remuneration, governance, operations, investor relations, accounting, finance and risk.

Member of the ICAEW Corporate Governance Committee.

Baroness Neville Rolfe DBE, CMG

Independent Non-Executive Director

Baroness Neville Rolfe

Appointed to the Board on 28 November 2018. Member of the Audit and Nomination Committees. Lucy will be appointed as the Non-Executive Director designated for workforce engagement and Chairman of the Employee Council following the close of the Annual General meeting on 13 May 2020.

Skills and experience:

Baroness (Lucy) Neville Rolfe DBE CMG has had a distinguished career in business and in public service. She became a member of the House of Lords in 2013 and was a minister in the Business and Culture Departments and in HM Treasury from 2014-2017. In the period 2010-14 she was a Non-Executive Director of ITV plc, of Metro AG, of 2 Sisters Food Group, of PWC's Advisory Board and Chairman of EuroCommerce in Brussels. Earlier in her career she was a civil servant in No 10 Downing Street and the director of the Deregulation Unit in the Cabinet Office. Lucy was an executive at Tesco plc for 15 years including serving for over six years on the main board. Her experience includes customer facing businesses and financial services, communications, corporate strategy and M&A, economic issues, regulation and governance experience as a company secretary and a non-executive director and Chairman.

Other appointments include:

Lucy is currently a non-executive director of Capita plc and of Health Data Research UK. She is also a director and Trustee of Thomson Reuters Founders Share Company Limited.

Lucy is the Chairman of the UK-ASEAN Business Council and Chairman of Assured Food Standards (Red Tractor).

Paul Myers

Independent Non-Executive Director

Paul Myers

Appointed to the Board on 28 November 2018 and a member of the Risk, Remuneration and Nomination Committees.

Paul Myers has many years of banking experience, gained initially in Barclays where he spent 24 years in a variety of retail banking roles. He was part of the small team that founded and built Aldermore Bank, where he served as Chief Operating Officer, Corporate Development Director and on the board as an executive director. Paul had a wide range of responsibilities at Aldermore, including IT, operations, transformation, marketing and digital as well as building and developing the retail and SME savings operations. Paul is an Associate of the Chartered Institute of Bankers.

Paul joined the Risk and Nomination Committees on 30 January 2019.

Paul was until February 2019 the chief executive officer and an executive director of GKBK Limited, which is a new banking venture.

Rachel Lawrence

Rachel has considerable experience in finance and banking start-ups gained from a career spanning more than 20 years. She has held senior finance roles in Metro Bank, Shawbrook and Pearl Assurance. She joins from AIB Group (UK) plc, where she has held the position of CFO since 2016. She is a qualified chartered management accountant.

Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH.
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