Our management team

Background and career

Susan was most recently Head of Customer Transformation at Barclays where she was responsible for leading and supporting all colleagues in frontline teams to deliver a differentiated customer experience.

Prior to that Susan was responsible for all of Santander's UK Retail and Business banking businesses, supporting 15 million customers and with a nationwide network of branches and customer contact centres, following her role as Chief Transformation Officer. Susan is a former Board member of UK Finance.

Skills and experience

Susan has more than 25 years of experience in financial services having held senior executive positions at a number of large retail banks in the UK. Susan has been a proud champion of diversity and inclusivity throughout her career. She is also a member of the Building Societies Association Council.

Other roles

Member of the Board of Trustees for the Alzheimer’s Society.

Background and career

Tom joined YBS from Santander UK plc, where he worked for sixteen years, the last seven of which he was UK Group Treasurer. In addition to his executive role, he was a Non-Executive Director of Santander Financial Services plc Board and Senior Officer of Santander International’s Jersey Branch. Tom started his career at Northern Rock plc in 1999, moving to Alliance & Leicester in 2007, just prior to their acquisition by Banco Santander SA plc in 2008. 

Skills and experience

Tom has over 25 year’s experience in financial services with significant expertise across all Treasury aspects of finance, including rates markets, funding, capital and liquidity management, balance sheet management, interest rate risk, pensions, stress testing and investor relations.

Background and career

Richard has held a range of risk roles across many of the major banks, including Lloyds, TSB and Barclays.  Prior to joining YBS Richard was Chief Risk Officer at Coventry Building Society.  He is responsible for ensuring that there are appropriate procedures and capability for the management of all risks whether planned or unplanned. In addition to Risk, he is also responsible for the Legal, Compliance and Secretariat functions as well as regulatory relationships.

Skills and experience

Richard has over 15 years’ experience in retail banking and brings a broad range of risk management experience and a proven track record for delivering major transformation.

Background and career

James has been with YBS since 2016 in roles including the Group Lead for Compliance Advisory, Senior Manager in our Mortgage Advice Team and most recently as the Director of Compliance, MLRO and DPO responsible for second line oversight of Compliance and Conduct risk and management of the key regulatory relationships. Prior to this he has had roles in each of the three lines of defence at Financial Services institutions including Lloyds Banking Group and Aviva.  

Skills and experience

James has a broad range of audit, risk and financial experience across each of the three lines of defence within the financial services industry.  He is responsible for our ‘third line of defence’ in the Society’s risk management model, including evaluating how we manage our capital, liquidity, credit, operational and regulatory risks.

Background and career

Fraser was most recently Chief Digital and Innovation Officer at Virgin Money prior to this he held a range of roles including Group Chief Operating Officer, Chief Information Officer and Innovation and Change Director. Before joining Virgin Money his most recent roles included Chief Operating Officer at Kleinwort Benson and CIO of Citizens Bank in the USA.

Skills and experience

Fraser has a wide range of experience across businesses, functions and geographies – including business transformation, IT and change management.