Meet the Executive Leadership Team
Chief Executive Officer
David joined the business in June 2015 as CEO and led the separation of CYBG from National Australia Bank and the Initial Public Offering of CYBG in 2016. Since then, he has led the Group through the acquisition of Virgin Money in 2018, the subsequent integration of the two banks and rebranding of CYBG plc to Virgin Money UK plc.More about David
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.
Chief Financial Officer
Clifford joined Virgin Money as Group CFO in March 2021, with responsibility for finance, treasury, investor relations and corporate finance.More about Clifford
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.
Chief Customer Experience Officer
Fergus joined the business in January 2016 and has held various executive roles within the Bank, focused on products, customer value and retail banking. Fergus’s responsibilities include the design and delivery of a world-class customer experience across all customer touch points: face-to-face, phone, online, and in-app. He is also responsible for conduct and complaints.More about Fergus
Fergus has 30 years’ experience in financial services gained from Allied Irish Banks 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 CEO of Asia Region for Rabobank International.
Fergus sits on the Board of Virgin Money Unit Trust Managers Ltd and he also sponsors the Bank’s LGBTQ+ network.
Chief Digital and Innovation Officer
Fraser joined the business in February 2016 and has held a number of executive and senior roles in the Bank including Group Chief Operating Officer (COO) and Chief Information Officer (CIO). Fraser is responsible for rapidly accelerating the development of Virgin Money’s digital proposition for customers and colleagues. This includes responsibility for information technology, digital innovation, data, artificial intelligence, information security and technology partnership capabilities.More about Fraser
Fraser has over 35 years’ experience in financial services, including banking, innovation, Fintech, business transformation, IT, and change management. Before joining Virgin Money, Fraser was COO of Kleinwort Benson in London. Prior to this he held a wide range of senior business and technology roles, mainly in the Royal Bank of Scotland Group, including CIO of Citizens Bank in the USA.
A Fellow of the Chartered Institute of Bankers, Fraser holds 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.
Chief Commercial Officer
Hugh joined the business as Group Mortgages Director in October 2018 and took on the role of Chief Commercial Officer in March 2021. Hugh is responsible for unsecured and secured lending, including direct and intermediary mortgages, as well as everyday banking propositions such as personal current accounts, savings and insurance products.More about Hugh
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.Hugh sits on the Board of Virgin Money Unit Trust Managers Ltd.
General Counsel and Purpose Office
James joined the Group’s former parent company, National Australia Bank, in May 2005 and was appointed as Group General Counsel in November 2014. James is responsible for managing legal risk and providing legal, compliance and company secretariat services to the Board, CEO and Leadership Team. Alongside this, James leads the development and embedding of Virgin Money’s Purpose: Making you happier about money.More about James
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.
Group Chief People and Communications Officer
Syreeta joined the business in November 2021 as Group Chief People and Communications Officer.More about Syreeta
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.
Group Chief Risk Officer
Susan joined Virgin Money in January 2022 and is responsible for managing and overseeing risk and compliance for the Group.More about Susan
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.