Meet the Board of Directors
This Board of Directors governs Virgin Money UK PLC.

David Bennett
Board Chair
Board committee membership
- Governance and Nomination Committee (Chair)
- Remuneration Committee
Joined the Group:
October 2015 and became Board Chair May 2020
Skills, experience and contribution:
- Deep experience gained over 35 years in retail banking & financial services
- Extensive experience in strategic planning and implementation
- Significant board governance experience including at chairman level
- Credibility with stakeholders
- Strong leadership qualities
David is an experienced Board Chair and Non-Executive Director. He brings extensive experience of retail banking, strategy, risk management, corporate activity and organisation, operational & structural change gained from his long career in financial services. He has the governance expertise and external insight required to lead an effective Board which is critical to the long-term success of the Group. Prior to becoming Board Chair in 2020, David had been Deputy Board Chair since 2015 and therefore has the experience of the Group and track record needed to support the Board and executive in delivering the medium and longer-term strategy. His extensive business career includes time as Group Finance Director of Alliance & Leicester plc for six years before becoming its Group Chief Executive. Following the acquisition of Alliance & Leicester plc by Banco Santander he was Executive Director on the Board of Abbey National plc. He was formerly Chairman of Homeserve Membership Limited and Together Financial Services Limited, was a Non-Executive Director on the Board of Bank of Ireland (UK) PLC, Chairman of Ashmore Group plc and has significant Non-Executive Director experience in listed environments which has included easyJet plc and CMC Markets PLC.
Key external appointments:
Chairman of Allfunds Group plc, Non-Executive Director of PayPal (Europe) S.a.r.l et Cie, S.C.A and Non-Executive Board member of The Department for Work & Pensions.

Geeta Gopalan
Independent Non-Executive Director
Board committee membership
- Risk Committee (Chair)
- Audit Committee
- Governance and Nomination Committee
- Remuneration Committee
Joined the Group:
October 2018
Skills, experience and contribution:
- Extensive business leadership, management and board experience
- Experience in the UK and internationally across a range of industries including financial services, retail banking, payments, digital innovation and the social sector
- Deep understanding of the digital economy and interest in emerging technologies
- Strong strategic, risk and governance experience
Geeta’s extensive financial services, retail banking and payments industry experience gained over more than 25 years strengthen the Board. Her understanding of the digital economy and interest in emerging technologies including the use of data and analytics in financial services enhance Board discussions with respect to the Group’s digital strategy in particular. Her extensive experience in the retail banking and payments industries mean she has a strong focus on customer conduct and fairness considerations and in delivering customer-focused outcomes. Her broad risk and governance experience is highly relevant to her role as Chair of the Risk Committee. Geeta was formerly Non-Executive Director and Chair of the Remuneration Committee of Ultra Electronic Holdings Plc, Non-Executive Director and Chair of the Risk Committee at Wizink Bank S.A., Executive Chair of Monitise Europe, a non-executive director at VocaLink and Vice Chair of the Big Lottery Fund England, one of the largest funders of the third sector in England. Among the many roles in her career, Geeta was Director of Payment Services with HBOS plc and previously Managing Director, UK Retail Bank and Business Development Head EME at Citigroup. She is a chartered accountant.
Key external appointments:
Senior Independent Director and Chair of the Audit Committee of Funding Circle Holdings Plc, Non-Executive Director and Chair of the Remuneration Committee of Dechra Pharmaceuticals PLC, Non-Executive Director of Intrum AB (publ) and Trustee of the Old Vic Theatre Trust 2000.

Elena Novokreshchenova
Independent Non-Executive Director
Board committee membership
- Governance and Nomination Committee
- Risk Committee
- Audit Committee
- Remuneration Committee
Joined the Group:
March 2021
Skills, experience and contribution:
- Extensive experience in leading disruptive technology organisations across a range of sectors and growth stages
- Proven track record in formulating and executing on digital strategy and transformation
- Deep understanding of delivering value with innovative customer-centric businesses
- Significant strategic and risk management experience
Elena’s extensive understanding of customer centric digital first organisations and the technology ecosystem gained over a 20 year international career, brings a wealth of experience to the Board. Elena’s most recent role was Executive Vice President of International at Remitly, a leading disruptor in the app first digital remittance space, appointed to internationalise, scale and drive company growth as a leading digital money transfer provider. Prior to this, Elena held senior tech product and general management positions at Expedia Inc. She also brings an invaluable strategic perspective from her time spent in the management consulting role at Strategy& (part of PricewaterhouseCoopers LLP) as well as a strong financial acumen from her risk and debt finance roles at Barclays PLC.
Elena is a strong advocate for diversity and inclusion in the technology sector and is a member of the “Women in Payments Group” and the Worshipful Company of International Bankers. She is a regular speaker at technology summits and forums.
Key external appointments:
Managing Director Europe Digital at Entain plc.

Darren Pope
Independent Non-Executive Director
Board committee membership
- Remuneration Committee (Chair)
- Audit Committee
- Governance and Nomination Committee
- Risk Committee
Joined the Group:
October 2018
Skills, experience and contribution:
- Extensive retail banking and financial services background
- Significant board level strategic and financial leadership experience including investor relations, strategy, corporate development, treasury & finance
- Governance and deep regulatory experience
- Strong experience of boards at both executive and non executive level
Darren brings considerable and highly relevant experience in retail banking and financial services from a career spanning more than 30 years during which he held senior and board level positions as a Chief Financial Officer (CFO) and finance director. His in-depth understanding of financial and risk matters and experience of managing relations with investors and regulators provides an excellent foundation for his role as Chair of the Remuneration Committee. Darren has strong experience of board governance including as a senior independent director and as chair of audit committees. His previous appointments include Senior Independent Director and Chair of the Audit Committee of Equiniti Group plc and CFO of TSB Bank plc where he took the lead role in the divestment of the TSB business from Lloyds Bank plc and its subsequent IPO and takeover. Prior to that he held several executive and senior retail banking and finance roles at Lloyds Banking Group plc.
Key external appointments:
Senior Independent Director and Chair of the Audit Committee at Network International Holdings plc; Non-Executive Chairman at Silicon Valley Bank UK Ltd and Non-Executive Director at Hargreaves Lansdown plc.

Tim Wade
Senior Independent Non-Executive Director
Board committee membership
- Audit Committee (Chair)
- Governance and Nomination Committee
- Remuneration Committee
- Risk Committee
Joined the Group:
September 2016
Skills, experience and contribution:
- Deep financial services experience including banking and insurance
- Considerable board experience including as an audit committee chair
- Deep knowledge of accounting, auditing and associated regulatory issues
- Chartered accountant and experienced Chief Financial Officer
Tim’s background as an experienced Chief Financial Officer (CFO), his breadth of financial services experience and the industry knowledge he has gained from over 20 years at both executive and non-executive director level is excellent grounding for his role as Chair of the Audit Committee. His extensive accounting, financial services audit, prudential oversight and corporate governance knowledge, including considerable experience as an audit committee chair, strengthen the Board. His previous non-executive director roles include Macquarie Bank International Limited, Friends Life Group Limited, Monitise plc and The Access Bank UK Limited. He was a Managing Director at AMP Group, responsible for both its Bank and the Virgin Direct (now Virgin Money) joint venture. Earlier in his career he was Group CFO at Colonial Limited in Melbourne, Australia where he oversaw the company’s IPO and was involved in its acquisition by Commonwealth Bank.
Key external appointments:
Non-Executive Director and Chair of the Audit Committee of RBC Europe Limited and Non-Executive Director and Chair of the Audit and Risk Committee of Chubb Underwriting Agencies Limited.

Sara Weller
Non-Executive Director
Board committee membership
- Governance and Nomination Committee
Joined the Group:
October 2022
Skills, experience and contribution:
- A broad perspective coming from a background in retail, fast moving consumer goods and financial services
- Strong board experience at both executive and non-executive level
- Extensive business leadership experience in the UK and internationally
Sara is an independent non-executive director of BT Group plc (BT) and a member of BT's Audit & Risk, Nominations, Digital Impact & Sustainability and Compliance committees. In September 2022 she joined the board of the Money and Pensions Service and formally takes on the permanent Chair from 29 March 2023. Sara is also currently Chair of the Remuneration Committee at New College, University of Oxford and a member of the Stop MS Campaign Board, part of the MS Society charity. Sara's previous roles include managing director of Argos and various senior positions at J Sainsbury, including deputy managing director and serving on its board between 2002 and 2004. Sara was a non-executive director of Lloyds Banking Group from February 2012 to May 2021 and United Utilities Group from March 2012 to July 2020. She was also the lead non-executive director at the Department for Work and Pensions from April 2017 until April 2020. She has also previously been a non-executive director of Mitchells & Butlers and held senior management roles at Abbey National and Mars Confectionery.
Key external appointments:
Independent non-executive director of BT Group plc, Chair of the Money and Pensions Service board, Chair of the Remuneration Committee at New College, University of Oxford and a member of the Stop MS Campaign board.

David Duffy
Executive Director and Chief Executive Officer
Joined the Group:
June 2015
More about DavidSkills, experience and contribution:
- Extensive retail and commercial banking experience in the UK and internationally built over a period of more than 30 years
- Significant strategic and financial leadership experience including strategic planning & development, business & cultural transformation
- Proven ability to build and lead strong management teams
- Deep industry understanding and credibility with key stakeholders
David has over three decades of extensive experience in banking and financial services in both the UK and internationally. He brings deep industry understanding to the Board as well as strong executive leadership which is critical to his role as Chief Executive Officer (CEO). His drive, energy and commitment to customers as well as his proven ability to build and lead strong management teams and transform businesses brings significant value to all of Virgin Money’s stakeholders. Prior to joining the Group, David was CEO at Allied Irish Banks plc and previously of Standard Bank International where he had responsibility for operations in the UK, Europe, Latin America and Asia. He was also previously Head of Global Wholesale Banking Network with ING Group and President and Chief Executive of the ING wholesale franchises in the United States and Latin America. David is a past president of the Banking and Payments Federation of Ireland, a past Director of the European Banking Federation and previously held the role of HM Treasury Fintech Envoy for England.
Key external appointments:
David is currently Senior Independent Director of UK Finance Limited, the industry body representing leading firms providing finance, banking, markets and payments related services in or from the UK , and a Board member of The Northern Powerhouse Partnership.

Clifford Abrahams
Executive Director and Chief Financial Officer
Joined the Group:
March 2021
More about CliffordSkills, experience and contribution:
- Extensive international executive experience at leading financial services businesses
- Deep experience as Chief Financial Officer
- Significant strategic and financial experience, including on integration and digital transformation
Clifford brings extensive executive experience across international financial services to the Board. His broad knowledge gained as a Chief Financial Officer (CFO) of publicly listed financial services companies is of great value to the Board. Clifford’s proven track record of delivery of commercial results, risk management and business change and development including digital propositions is crucial to supporting Virgin Money in the delivery of its strategy. Prior to joining Virgin Money, Clifford was Group CFO at ABN AMRO Bank having joined in that role in 2017. Previous roles include Group CFO at the Dutch insurer Delta Lloyd Group, ten years at Aviva in several senior financial roles including CFO of Aviva Investors, CFO of UK & Ireland Life Insurance and CFO of UK & Ireland General Insurance. In the early part of his career Clifford spent twelve years at Morgan Stanley in the Financial Institutions Group most latterly as Managing Director.
Key external appointments:
None