Executive Leadership Team

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.

David is 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, member of the Confederation of British Industry (CBI) President’s Committee, an advisory body providing advice to the President and CBI executive on all issues of national importance and a Board member of The Northern Powerhouse Partnership.

Prior to joining the business, 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 finance 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 (FIG), most latterly as Managing Director.

Clifford holds an MBA from Wharton Business School and an MA in Economics from Cambridge University.

Sarah joined the business from Thomson Reuters, where she was Chief Information Officer. Prior to Thomson Reuters, she held roles as Chief Executive Officer of NHS Digital and Chief Information Officer at the Home Office. Sarah holds a number of non-executive positions which further broadens the perspective she brings to Virgin Money. In her earlier career Sarah spent 23 years in Financial Services, during which she held CIO roles at Credit Suisse, UBS, Deutsche Bank and Lehman Brothers. Sarah was voted No 1 in the UK Tech50 for 2021, Computer Weekly’s annual ranking of the Top 50 Most Influential Leaders in the UK Tech Industry.

Hugh has over 25 years’ experience in financial services. Prior to the acquisition of Virgin Money by CYBG, Hugh was Chief Commercial Officer at Virgin Money Holdings (UK) plc. Before this, Hugh ran the current account, savings, investments and insurance products at Royal Bank of Scotland (now NatWest) and previously ran its consumer credit card business.

In his earlier career, Hugh was an executive founder at MBNA Europe, joining in 1993 from KPMG Management Consulting. At MBNA, Hugh held executive roles in HR, Credit Management, Customer Satisfaction and Marketing before becoming Chief Operating Officer and then UK Managing Director.

James’s previous roles include leading NAB’s London branch legal team and roles supporting NAB and Clydesdale Bank Treasury activities as part of NAB’s Capital & Funding legal team in Melbourne and London. Before joining NAB, James worked in private legal practice at Hogan Lovells in London, Paris and Frankfurt.

James sponsors the Bank’s disability inclusion network.

Syreeta has over 20 years of experience working in Human Resources roles. She spent 11 years at Citi, holding several senior HR roles, the most recent of which was Managing Director, Head of HR for Global Functions, Operations and Technology, leading HR strategy for 20,000 employees across Europe, Middle East and Africa. Prior to her time at Citi, Syreeta worked at BT Group for 11 years in number of senior roles.

Syreeta holds an Executive Masters in HR leadership and completed an HR Executive Programme at University of Michigan. She won ‘Leader in Financial Services’ at the 2018 Black British Business Awards.

Susan joined from ING Bank, where she spent over 20 years in a number of commercial and risk roles, most recently as Chief Risk Officer, Retail Banking where she was responsible for setting the standards for credit risk, compliance and operational risk management across all of ING’s retail markets. Susan was also Chief Risk Officer, Challenger and Growth Countries (C&G) during this period with responsibility for Chief Risk Officers in all of ING’s global C&G markets.

Susan holds an MBA in Business Economics from The University of Amsterdam and completed the Executive Banking Programme: Management at INSEAD Business School, Fontainebleau.