Mr Duffy has over three decades of experience in banking and financial services in both the UK and internationally. Prior to joining the Group, David was Chief Executive Officer 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 and a past Director of the European Banking Federation. External appointments includes: 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; HM Treasury Fintech Envoy for England; and a Board member of The Northern Powerhouse Partnership.

Mr Bennett is an experienced Chairman and Non-Executive Director. His 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 and has Non-Executive Director experience in listed environments which has included easyJet plc and CMC Markets PLC. External appointments includes: Chairman of Ashmore Group plc and Non-Executive Director of PayPal (Europe) S.a.r.l et Cie, S.C.A and David Bennett Advisory Limited. He is Chair of Governance Committee.

Mr Coby has experience as a chief information officer. He is currently Chief Information Officer at Johnson Matthey, a FTSE 100 global leader in sustainable technologies, and prior to that was the first John Lewis partnership CIO responsible for creating a unified IT function and an integrated cyber security programme. He spent 15 years at BA accountable for the design, development and operation of BA's IT strategy. His previous roles have included Chairman of the Societe Internationale de Telecommunications Aeronautiques, Non-Executive Director at Pets at Home Group plc and P&O Ferries Limited, Chairman of the eSkills UK CIO Board, and Chairman of the oneworld CIO Group. External appointments includes: Chief Information Officer of Johnson Matthey PLC. He is member of Governance Committee and Risk Committee.

Mr Wade has a background as an experienced Chief Financial Officer, his financial services experience and the industry knowledge he has gained from over 20 years at both executive and non-executive director level. His accounting, financial services audit, practical management and corporate governance knowledge, including experience as an audit committee chair. 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 Chief Financial Officer at Colonial Limited in Melbourne, Australia where he oversaw the company's IPO and was involved in its acquisition by Commonwealth Bank. He is also a member of the Governance Committee and Risk Committee of VUK. Tim has held interim Senior Independent Director role at VUK from 6 May 2020 to 10 March 2021.

Ms Stirling brings invaluable brand and consumer perspectives and insights from her role as Chief Financial Officer at Virgin Group. Her previous appointments include Non-Executive Director and Chair of the Audit & Risk Committee at the UK Cabinet Office; Non-Executive Director and Chair of the Audit Committee at Pets at Home Group plc; Chief Financial Officer of The Princes Trust; and Chief Financial Officer at TalkTalk Telecom Group Plc. External appointments includes: Chief Financial Officer of the Virgin Group and Non-Executive Director of RIT Capital Partners plc where she chairs the Audit and Risk Committee. She is member of Governance Committee.

Ms Gopalan has financial services, retail banking and payments industry experience. Geeta was formerly Executive Chair of Monitise Europe, a non-executive director at VocaLink and Vice Chair of the Big Lottery Fund 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. External appointments includes: Non-Executive Director and Chair of the Audit Committee of Funding Circle Holdings Plc, Non-Executive Director of Ultra Electronic Holdings Plc and Non-Executive Director and Chair of the Risk Committee at Wizink Bank S.A. She is chair of Risk Committee and Governance Committee.

Mr Pope brings relevant experience in retail banking and financial services. His previous appointments include Chief Financial Officer 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. External appointments includes: Senior Independent Non-Executive Director and Chair of the Audit Committee of Equiniti Group plc, Senior Independent Non-Executive Director and Chair of the Audit and Risk Committees at Network International Holdings plc and adviser at Silicon Valley Bank (UK branch). He is member of Risk Committee and Governance Committee.

Ms Novokreshchenova has gained experience in technology and customer-centric management from an international career spanning 20 years. Ms Novokreshchenova is currently Executive Vice President of International at Remitly, a company involved in the app first digital remittance space. Prior to this, Elena held senior tech product and general management positions at Expedia Inc. Ms Novokreshchenova has also worked at Strategy& (part of PWC) as a management consultant, having previously worked in Risk and Debt Finance roles at Barclays PLC. In the early part of her career she spent five years working in Moscow for IMS Retail as Managing Director. Elena 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. She will also serve as member of the Governance Committee and the Risk Committee of the VUK effective from 22 March 2021.

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