Board and senior team

Natalie has been heavily involved in the access to cash agenda for a number of years. She authored the Access to Cash Review in 2019, led the Community Access to Cash Pilots work in 2021 and 2022 and then worked with the Cash Action Group's major banking institutions and key consumer groups to establish a permanent model to protect cash access in UK communities including setting up Cash Access UK.

Natalie is an experienced non-executive Director and serves on the Boards of Openreach, LV=, Ford Credit Europe and Anglian Water Services. Her previous executive roles include chief executive of the Financial Ombudsman Service.

Jo spent most of her executive career at the Bank of England, working in a range of roles including banking and payments, and most recently as a Deputy Governor and Chief Operating Officer of the Bank. Jo is also a trustee of Trailblazers (a charity providing mentoring services to young offenders) and sits on the Advisory Council for the University of Derby Business School. Jo chairs the Remuneration and Nominations Committees.

Tim is Director of Access to Banking and Branch Services at Barclays – responsible for delivering sustainable access to cash and physical banking services. Tim has 23 years’ experience in financial services and has served as a Director of the LINK ATM Scheme and Community Access to Cash Pilots Board. He is also a member of the LINK Consumer Council.

Pete is the Customer Engagement Director within the Consumer Relationships division of Lloyds Banking Group. Customer Engagement is at the heart of serving their 26m customers across the UK. Customer Engagement is at the heart of serving their 26 million customers across the UK. Prior to Lloyds, Pete spent much of his career in the retail banking, business banking and wealth divisions of the Commonwealth Bank of Australia. Leading both business and technology teams, Pete helped transform the Bank into one of the world’s leading digital financial institutions.

Andy leads customer service for Santander UK, managing all the ways customers interact with the bank, across branches, ATMs, contact centres and digital channels. Over the last 18 years, he has held executive roles in UK banks, overseeing transformation projects, personal and small business banking, and product areas.

Prior to retail banking, Andy built extensive experience in strategy and operations consulting at Oliver Wyman and Mercer Management Consulting, leading engagements across a range of projects in multiple industries and locations.

Andrew is an experienced banking professional with more that 30 years in the industry, focused on driving sustainable growth through collaboration and customer success. His executive career spans commercial and institutional banking, structured finance and retail banking.

Andrew is currently Managing Director of Customer Engagement and Distribution at NatWest Retail Banking who support NatWest’s 18m personal customers take action to improve their financial wellbeing through digital, branch and contact channels. Andrew is also Chair of NatWest Social & Community Capital, an independent charity that provides funding to social enterprises and community projects to deliver meaningful social impact. 

Christopher currently holds the position of Head of Customer Channels and Distribution leading a team of around 12,000 colleagues across all digital, virtual and face to face banking supporting personal, premier and wealth clients within wealth and personal banking (WPB). He is a member the UK WPB Executive Committee.

Christopher has more than 18 years of experience in the financial sector, with over 16 of those being spent in Barclays, where he held various roles within wealth strategy, premier, wealth and advisory, mortgages, corporate and investment banking, and more latterly as Chief Operating Officer.

Rachel is a Non-Executive Director and Audit Committee Chair on several UK retail and hospitality boards, including Ocado Group plc and Marstons plc. She was previously CEO of Ted Baker and CFO at Debenhams, Domino’s Pizza, and Ted Baker, and has held financial director roles at Vodafone Group plc and the John Lewis Partnership.

Rachel brings a wealth of retail and customer insight experience to Cash Access UK and chairs the Customer Committee and the Audit and Risk Committee.

Gareth has more than 30 years' experience in banking, spanning retail and commercial. His most recent role was Managing Director of Business Banking at Lloyds Banking Group, with end-to-end responsibility for over one million small business customers. Having been a trustee of the Lloyds Bank Foundation, Gareth has many years of first-hand experience working with those who support the most vulnerable in society. 

Beth is a qualified accountant with 20 years' experience at Lloyds Banking Group, where she worked in areas including retail banking, wealth management, and business banking. She led several transformation projects aimed at streamlining and improving analytical and reporting capabilities.

As Chief Financial Officer at Cash Access UK, Beth manages the company’s financial health, planning, and reporting, while also leading the analysis team to ensure services meet the needs of our cash-reliant customers.

Having led the original 2021 access to cash programme and the development of the voluntary scheme, Cat has been involved in this initiative since 2021.

A former civil servant at the Ministry of Justice, Cat brings experience from the public and private sectors thanks to a varied career in the heritage sector, central government, financial services and regulatory and ombudsman organisations. Cat is responsible for Cash Access UK’s corporate strategy, customer experience and for external affairs and communications.

Hannah has had a varied career in financial services and successfully led teams in Corporate and Consumer Banking environments in over 20 years with Lloyds Banking Group. Hannah’s most recent roles have been in complex and highly-regulated product areas where she has led teams through complex change and ambiguity.

As Chief Operating Officer for Cash Access, Hannah is responsible for both the growing network of banking hubs across the UK and the smooth running of the company. Hannah started her career supporting small businesses in her local community and is delighted to be playing a part in maintaining access to cash for those that need it most.

James has a wealth of experience in property acquisition, development and management after more than 25 years in senior roles with Costa Coffee, Whitbread, Halfords and Vision Express, both as a consultant and in house.

As Cash Access UK’s Property Director, James oversees the life cycle of banking hubs, including identifying properties, lease acquisition, design, construction and build of the hubs, as well as managing the physical assets, estate and facilities.

Following 15 years in a variety of roles at The Royal Bank of Scotland / NatWest Group, Mark brings extensive experience in payments and cash services to Cash Access UK. Mark is responsible for supply chain management as well as working with suppliers across the industry to develop and deliver a range of cash solutions to meet communities' changing needs.