Group Executive Committee
Meet the team who make up our Group Executive Committee, leading our strategy in pursuit of our purpose to Help Britain Prosper.
Executive Director and Group Chief Executive
Charlie has over 25 years’ experience in the financial services sector. Prior to joining the Group, Charlie held a range of leadership positions at HSBC, including Global Chief Executive, Wealth and Personal Banking, and Group Head of Wealth Management and Digital, as well as Global Chief Operating Officer of Retail Banking and Wealth Management.
Charlie began his career at Accenture, where he worked for 13 years in the US, France, Switzerland and the UK before being made a Partner. He then moved to McKinsey & Co. as a Senior Partner, leading on projects for five years.
Executive Director and Chief Financial Officer
William joined the Board in August 2019, when he was appointed Chief Financial Officer, and was appointed Interim Group Chief Executive from May until August 2021.
William has worked in financial services for over 25 years, and previously held a number of senior roles at Morgan Stanley, including Co-Head of the Global Financial Institutions Group and Head of EMEA Financial Institutions Group. Before joining Morgan Stanley, William worked for JP Morgan, again in the Financial Institutions Group.
Chief Legal Officer and Company Secretary
Kate became Group General Counsel (now Chief Legal Officer) in May 2015 and Company Secretary in July 2019.
Kate joined the Group in 2005 from Linklaters, where she was a corporate lawyer specialising in mergers and acquisitions transactions. Before her current role, Kate held a number of senior positions including Deputy Group General Counsel and General Counsel for Group Legal. Kate is a trustee of the Lloyds Bank Foundation for England and Wales.
CEO, Business & Commercial Banking
Elyn Corfield was appointed in July 2022 as CEO, Business & Commercial Banking, serving all micro, small and medium sized business customers as they grow and evolve, providing specialist sector propositions and supporting customer needs across all banking products.
Prior to joining the Group in 2017 through the acquisition of MBNA, where Elyn was Chief Financial Officer, she held a number of finance leadership roles. Before her current role, Elyn was the Managing Director, Consumer Finance, responsible for the Group’s Consumer Credit Card, Commercial Credit Card, Unsecured Personal Loan, Motor Finance and Motor Leasing portfolios in the UK.
Elyn is a Fellow member of the Chartered Institute of Management Accountants, lives in the North West, acted as Lloyds Banking Group’s Ambassador for the North for three years to December 2021, and is a Trustee of the MBNA Foundation, a charitable trust.
CEO, Mass Affluent
Jo was appointed CEO, Mass Affluent and Interim Co-lead CEO for Consumer Relationships, with Russell Galley, in July 2022 – the latter interim role until late 2022.
Jo joined Lloyds Banking Group in 2014 from RBS, where she worked in a number of different leadership roles. Since joining the Group, Jo has worked in a variety of roles including Managing Director for Business Banking, Group Customer Services, and most recently Managing Director of Lloyds Bank and Bank of Scotland Community Banks.
Jo has been a Trustee for the Lloyds Bank Foundation for England and Wales since 2017.
CEO, Scottish Widows and CEO, Insurance, Pensions & Investments
Antonio joined the Group as head of the Wealth and International division and Group Corporate Development, leading the Group’s strategic review and subsequent programme of reducing non-core assets and exiting international locations.
From 2013, he assumed the role of Group Director, Consumer Finance and Group Corporate Development, leading the division’s growth strategy whilst completing the sale of TSB. At the end of 2015 he was appointed CEO, Scottish Widows and CEO, Insurance and during 2017 he also assumed responsibility for the Wealth division – which in 2022 changed to Pensions & Investments. Antonio is also Group Executive Sponsor for Emerging Talent.
Antonio joined the Group from Santander, where he had worked in a number of different leadership roles and jurisdictions since 1998. He was part of the management team that completed the take-over of Alliance & Leicester and Bradford & Bingley and was Chief Financial Officer of Santander UK. Before Santander, Antonio spent over nine years at Arthur Andersen.
Chief Internal Auditor
Laura joined Lloyds Banking Group in September 2022 as Chief Internal Auditor.
Before joining Lloyds Banking Group, Laura spent 22 years at PwC in a number of roles, predominantly in the UK, but also spent time in Sydney and New York. Laura’s expertise is in risk, governance and control and at PwC, Laura was both an external audit and internal audit partner working with most major banks in the UK.
In her career she has held several people leadership roles, including being the Head of People for the banking audit practice and the Firm gender balance network sponsor. Laura is passionate about talent development, diversity and inclusion and has led on cultural change programmes to improve employee engagement.
Interim Group Chief Operating Officer
David is the Interim Group Chief Operating Officer, responsible for our Group Data and Technology action plan which aims to put data and technology at the core of everything we do for our customers, communities and colleagues.
He was also CEO for the Commercial Banking division from September 2017 to October 2022, responsible for supporting corporate clients from SMEs and Mid Corporates through to Large Corporates and Financial Institutions.
David started his career with Lloyds Bank in 1984, on the graduate entrant programme, and has held a number of key leadership roles across all Divisions of the Group since that time. Immediately prior to his current role he was Group Director Retail and Consumer Finance, responsible for the Lloyds, Halifax, Bank of Scotland, Lex Autolease and Black Horse Brands including the retail branch networks, customer products and telephone banking, in addition to Retail Business Banking and UK Wealth businesses.
David is a Fellow of the Chartered Institute of Bankers. He is also Group Executive Sponsor for Disability.
CEO, Consumer Relationships
Jayne re-joined Lloyds Banking Group in December 2022 as CEO, Consumer Relationships, the centre of the Group’s growth strategy to deepen our consumer relationships through personalised experience and outstanding customer service. These relationships are delivered through our channels, including around 1,300 branches and our customer-facing teams, the UK’s biggest Digital Bank and our telephony and operations teams.
Jayne has over 25 years of experience in the financial sector, leading diverse teams focused on transforming businesses, most recently specialising in customer channels, operations and technology and using data as a tool to support colleagues and drive personalisation for customers. Prior to re-joining the group, Jayne held roles at several well-known financial institutions both here and in Australia and Asia, including Citi, Westpac, ANZ and most recently Barclays.
Chief of Staff and Chief Sustainability Officer
Janet joined the Group in 2008 to run the Savings business. She was previously Chief Executive at Alliance Trust Savings, prior to which she was EVP Global Strategy at Visa International.
Janet spent 10 years at Standard Chartered Bank where she held a variety of roles including Retail Banking MD for Africa and non-executive directorships at Standard Chartered Bank Zimbabwe, Kenya, Zambia and Botswana.
Janet is Chair of the Charities Aid Foundation Bank and a Non-Executive Director of the Financial Services Culture Board. She is also the Group’s Executive Sponsor for Sexual Orientation and Gender Identity.
Chief Risk Officer
Stephen was appointed Chief Risk Officer in September 2017. He joined the Group in May 2011 as Chief Credit Officer for Wholesale, Commercial and International. In October 2012 he became Risk Director, Commercial Banking Risk and was also a member of the Commercial Banking Management Group.
Prior to joining the Group, Stephen was Chief Risk Officer at Barclays Corporate and prior to that was Chief Credit Officer for the UK Retail and Corporate business in Barclays. In a 21-year career at Barclays, Stephen undertook a variety of roles in the front office and risk.
Stephen is also the Group’s Executive Sponsor for Gender Diversity and Equality.
Jasjyot Singh OBE
CEO, Consumer Lending
Jas is CEO, Consumer Lending, our centre of excellence for lending propositions, both for customers who bank with us directly and through intermediaries.
Jas has worked at Lloyds Banking Group for 16 years and has held a number of roles across the Group’s Consumer and Small Business businesses. His previous experience was in consulting roles, based in the US and across Europe, with a range of corporate strategy and digital design consulting projects across multiple industry sectors.
Jas was awarded an OBE for his contribution to financial services during COVID-19.
Chief Corporate Affairs Officer
Andrew joined the Group in September 2018, as Chief Corporate Affairs Officer, with responsibility for internal and external communications, reputation management and public affairs.
Prior to joining the Group, Andrew was Senior Managing Director and Global Head of Financial Services for the strategic communications segment of FTI Consulting.
CEO, Corporate & Institutional Banking
John joined Lloyds Banking Group in September 2022 as CEO, Corporate & Institutional Banking.
John has more than 37 years’ experience in corporate and investment banking, as well as in retail banking. He was most recently at MUFG, where he was Regional Executive and CEO for EMEA with responsibility for all of its Global Markets, Corporate and Investment Banking businesses. He spent 15 years at Barclays, latterly as CEO for Corporate Banking and previously as head of its European investment banking business.