Stuart Purdy


Joined in 2018. Member of the People & Culture Committee. Experienced in developing businesses and implementing strategic growth plans in financial services companies. Stuart leads an effective Board, promoting inclusive discussion based on relevant information. He is responsible for policies and procedures for the induction, training and development of our senior team, and developing the Society’s culture.

Janet Bedford

Deputy Chief Executive and Finance Director

Joined in 2014. Qualified Chartered Accountant with extensive financial services experience. Janet is responsible for the Society’s financial management and controls, allocation and maintenance of capital, funding and liquidity; treasury, financial information and regulatory reporting and internal stress tests.

Karl Elliott

Chief Executive

Joined in 2017. Member of the People & Culture Committee. A business leader with over 25 years’ experience of delivering successful strategic and organisational change for financial services mutuals. Karl has overall day-to-day responsibility for all aspects of the Society’s performance, including financial, regulatory, risk and people management.

Mike Heenan

Non-Executive Director

Joined in 2012. Chair of the Audit & Compliance and Risk Committees. Qualified Chartered Accountant with extensive knowledge of the building society sector. Mike provides a wealth of experience and knowledge of the sector and the Society’s legacy lending, ensuring continued, careful management of the legacy commercial mortgage book.

Mark Marsden

Risk Director

Joined in 2014. Mark has 15 years’ retail lending and deposit-taking experience. He defines and oversees implementation of the Society’s credit and operational risk management arrangements (including as Money Laundering Reporting Officer and Data Protection Officer). He also manages the financial risks associated with climate change.

Esther Morley

Non-Executive Director

Joined in January 2020. Member of the Audit & Compliance and Risk Committees. Esther was formerly Managing Director of a challenger bank’s mortgage division, with full profit and loss accountability. She brings extensive experience in specialist lending, credit risk management, marketing and product analysis. It is anticipated that Esther will in time succeed Richard Pattinson as Chair of the Risk Committee.

Richard Pattinson

Non-Executive Director, Senior Independent Director

Joined in 2011. Chair of the Risk Committee and Senior Independent Director, with almost 40 years’ banking experience in treasury and risk management. Richard advises the Board on the Society’s overall risk appetite, tolerance and strategy, and oversees performance. He also safeguards the independence and performance of our risk function, including whistleblowing policies and procedures.

Sue Symington

Non-Executive Director

Joined in 2013. Chair of the People & Culture Committee, which discharges the functions of a remuneration and a nominations committee. Member of the Audit & Compliance (until January 2019) and Risk Committees. Award-winning Chartered Director and Chartered Fellow of the Institute of Personnel and Development. Sue provides human resources experience focusing on colleague matters such as succession planning, reward, learning and development and performance management.

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