Meet the Executive Leadership Team

David Duffy

David Duffy

Chief Executive Officer

David joined the business in June 2015 as CEO, and has held a number of senior roles in the international banking industry.

Most recently, David held the position of Chief Executive Officer of Allied Irish Banks. David was also previously Chief Executive Officer of Standard Bank International covering Asia, Latin America, the UK and Europe. He was also previously Head of Global Wholesale Banking Network of ING Group and President and Chief Executive Officer of the ING franchises in the US and Latin America. Prior to that, he worked with Goldman Sachs International in various senior positions including Head of Human Resources Europe.


Emma Tottenham

Emma Tottenham

Group Director of Corporate Communications and Sustainability

Emma joined the group in January 2017 and was appointed Group Corporate Communications & Sustainability Director in May 2019, having previously held the role of Chief of Staff.

Emma is responsible for internal and external communications and the bank’s sustainability agenda, including our not-for-profit digital fundraising platform, Virgin Money Giving. Emma’s background is in financial services strategy and she has held senior strategy roles within the Group and previously at RBS. She is also a chartered accountant.


Enda Johnson

Enda Johnson

Group Corporate Development Director

Enda was appointed to the role in June 2016.

Before joining the Bank in 2015, Enda worked at Allied Irish Banks in Dublin, where he joined as Head of Strategy and was appointed to Head of Corporate Affairs / Strategy and the Executive Leadership Team in July 2012. Prior to this, Enda was as a member of the Banking Unit at the Irish National Treasury Management Agency (NTMA), where he worked on the recapitalisation and restructure of Irish banks following the global financial crisis and subsequent programme of financial support for Ireland provided by the IMF, ECB and EU in 2010.

Before joining the NTMA, he worked with Merrill Lynch in New York, London and California, in their investment banking and capital markets divisions focusing on client advisory and equity transactions for global clients on a cross industry basis.


Fergus Murphy

Fergus Murphy

Group Personal Director

Fergus joined the group as Products Director in January 2016 and became Group Customer Value Director in March 2017.

Fergus is responsible for the delivery of our product suite including pricing, liability strategy and capital allocations. Fergus has 20 years of experience in financial services gained from Allied Irish Banks (AIB) where he held a number of key roles including Director of Products & Capital Markets and, most recently, Director of Corporate and Institutional Banking. He has also held a number of senior positions across Europe and Asia including roles as CEO and Managing Director of EBS Building Society and the CEO of Asia Region for Rabobank International.


Fraser Ingram

Fraser Ingram

Group Chief Operating Officer

Fraser is the Group Chief Operating Officer. Prior to this he was Chief Information Officer (CIO), Innovation & Change Director for Virgin Money.

His responsibilities included IT, Procurement, Information & Cyber Security and driving the digital and technology transformation of the Bank. Before joining Virgin Money, his most recent roles included Chief Operating Officer of Kleinwort Benson in London and CIO of Citizens Bank in the USA.

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

A Fellow of the Chartered Institute of Bankers, Fraser also gained an MBA from Aston Business School. In addition, he is a founder and Trustee of CUDECA, the first independent hospice in Spain, which he has supported since 1992.


Gavin Opperman

Gavin Opperman

Group Business Banking Director

Gavin joined the group in 2015 as Group Customer Banking Director, with responsibility for Retail and Business & Private Banking.

Gavin has over 30 years of leadership experience in risk, operations and across frontline digital, retail, commercial, corporate and investment banking services. Gavin was previously Regional Head of Consumer Banking, Standard Chartered based in China, and prior to that held a number of senior positions across Asia in a career spanning 20 years with Barclays Group.


Helen Page

Helen Page

Group Brand and Marketing Director

Helen joined the business in December 2012, and has over 20 years’ experience in marketing, consultancy and customer propositions.

Helen has spent almost fifteen years in financial services. Prior to joining us, Helen spent 8 years at RBS in a number of roles. She became Managing Director for Marketing and Customer Experience and held responsibility for all UK brands across the Retail, Commercial and Corporate divisions. During this time, Helen was responsible for developing and delivering “Helpful Banking” for NatWest.

Helen was also Head of Brand Marketing at Argos, where she re launched the catalogue company as a Retailer, and played a key role in driving the business to win ‘Retailer of the Year’. Before Argos, Helen held a number of product and marketing roles at Abbey (now Santander), where she became Head of Marketing. She also has experience in research, consultancy and central government roles.


Hugh Chater

Hugh Chater

Group Mortgage Director

Hugh has over 25 years of experience in financial services.

He 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. In 2007 Hugh joined RBS Retail to run the consumer credit card business. He subsequently ran the current account, savings, investments and insurance products. Hugh joined Virgin Money in June 2016 with responsibility for commercial performance, customer outcomes and optimising distribution and servicing channels. As Group Mortgage Director Hugh is responsible for implementing the Group Mortgage and General Insurance strategies to deliver on business and customer objectives, building on the already complementary strengths of both heritage propositions. Hugh is also responsible for the Investments & Pensions business.


Ian Smith

Ian Smith

Group Chief Financial Officer

Ian joined us on 1 November 2014, and serves on the Executive Leadership Team, reporting to our Chief Executive, David Duffy.

Ian has over 20 years’ experience in finance, audit and consultancy across the UK banking sector. He joined the business from Deloitte, where he was a partner specialising in financial services for a combined total of 13 years. Ian also held senior finance roles in HBOS plc and Lloyds Banking Group plc between 2008 and 2010.


James Peirson

James Peirson

Group General Counsel

James was appointed as our Group General Counsel in November 2014.

Having joined NAB in 2005, James’s roles there included 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.


Kate Guthrie

Kate Guthrie

Group Human Resources Director

Kate joined the business as Group Human Resources Director in January 2016, with responsibility for developing and leading HR strategy.

Kate has over 30 years of domestic and international HR experience, having worked in six different blue chip organisations in four industrial sectors. Most recently, she spent more than a decade with Lloyds Banking Group, where she was latterly the HR Director responsible for leading the Group’s Culture, Capability and Engagement.


Lucy Dimes

Lucy Dimes

Group Business Transformation Officer

Lucy joined the business on 1st July 2019, and serves on the Executive Leadership Team, reporting to our Chief Executive David Duffy.

Lucy leads our transformation agenda, focused on delivering exceptional customer experience, world leading innovation, best practice and efficiency, and our market leading Digital First operating model. As Chair of the Group Efficiency and Investment Committee, Lucy is responsible for how we prioritise, allocate and deliver the benefits of our investments over the coming years. She also provides independent oversight and assurance to the Board on our integration programme.

Lucy previously served as CEO EMEA for UBM plc, CEO UK & Ireland for Fujitsu Services, Chief Operating Officer for Equiniti Group plc and various roles for BT culminating as Managing Director, Group & Openreach Service Operations. She is also a Non-Executive Director for Babcock International Group plc and sits on the Audit, Remuneration and Nomination committees.

Lucy has a First Class (Honours) degree in Business and an MBA from London Business School. In 2013 she was the recipient of the CBI First Woman award for Science and Technology and the Everywoman Technology Corporate Leader of the Year Award.


Mark Thundercliffe

Mark Thundercliffe

Group Chief Risk Officer

Mark was appointed in September 2016 and has over 28 years of Financial Services experience.

Mark joined us from HSBC where he was Chief Risk Officer responsible for management and oversight of risk for HSBC’s Retail Banking and Wealth Management business in 18 countries across the UK, Europe, the Middle East and Africa.

Mark has also held a number of senior international positions including President and CEO (Asia) with Home Credit in Hong Kong and he was also an Executive Director and Business Head (Russia) with Renaissance Capital in Moscow. With Citigroup he progressed from Chief Risk Officer (UK & Ireland) to become CEO of CitiFinancial (Russia). Prior to Citi, he worked with Associates Capital Corporation, latterly as Executive and Business Head, based in India.