Board and senior team

Natalie worked with the Member Banks to set up Cash Access UK and chairs the Board. Natalie’s executive career included Chief Executive roles at HM Courts and Tribunals Service, the Financial Ombudsman Service and The National Archives, as well as serving as a member of HSBC’s UK Executive Committee.

Her non-executive experience includes roles at Anglian Water Services Ltd, Ford Credit Europe Ltd, Liverpool Victoria (LV=) and Innovate Finance.

Jo has experience on both private sector and public sector Boards, having been a Board member of a FTSE 100 company as well as the Board of the Bank of England.  

Rachel served as Chief Executive Officer of Ted Baker until June 2023. Prior to this, she was Chief Financial Officer of Debenhams plc and Domino’s Pizza Group plc, and earlier in her career held the position of Finance & Strategy Director at John Lewis.

 Rachel is a qualified Chartered Accountant and an experienced Non-Executive Director, bringing extensive expertise in financial stewardship, strategic planning and the development of customer-focused business models.

Tim is a director of Access to Banking and Branch Services at Barclays, where he leads national strategy to ensure sustainable access to cash and in-person banking services.

With 24 years’ experience in financial services and more than 15 years’ specialist experience in the UK cash ecosystem, he has played a central role in safeguarding cash availability during rapid sector change. Alongside his role as a Non-Executive Director of Cash Access UK Tim sits on the LINK Consumer Council, having previously been a Director of the LINK ATM Scheme. In 2025 he was awarded an MBE for services to the cash and banking sectors.

Andy leads Santander UK’s Digital and Assisted Channels team, with end-to-end responsibility for how personal customers engage with the bank across digital, branch, ATM and contact centre channels. He also oversees Santander’s specialist Financial Support team, ensuring tailored support for customers who need it most. 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. Andy holds an MBA from INSEAD.  

Emma is Head of Access to Banking and Cash within HSBC UK Customer Channels. In this role she is responsible for delivering initiatives that ensure customers and communities continue to have access to essential banking and cash services in branches and through third party partnerships and HSBC Local.

Emma has held a number of senior roles across retail banking, wealth management and legal functions. Her previous positions include Head of Product & Platform for Retail Wealth, Head of Strategic Services for the Private Bank & Wealth division and Deputy General Counsel at HSBC UK. Earlier in her career, Emma worked for Norton Rose Fulbright for more than 10 years in London and the Middle East and was Head of Legal for the Middle East at Coutts & Co.

James is currently the Consumer Channels Director at Lloyds Banking Group, supporting Retail customers to meet their financial goals.

With over 15 years’ experience in financial services, James has a track record of delivering large-scale operational transformation, including leading the modernisation of the UK’s largest banking contact centre.

Currently, James is committed to exploring how technology can be used to create experiences that better meet the changing needs of customers.

Gareth has over 30 years of experience in banking across retail, wealth management and commercial banking.

Prior to becoming CEO of Cash Access UK, he served as Managing Director of SME and Business Banking at Lloyds Banking Group, where he held end-to-end responsibility for supporting more than one million business customers.

Beth is a qualified accountant with over 25 years’ experience across retail, wealth, and business banking.

As Chief Financial Officer of Cash Access UK, she is responsible for the organisation’s financial strategy, planning and reporting and leads the analysis function to ensure our services continue to meet the needs of communities that rely on cash and face-to-face banking. 

As Chief Operating Officer, Hannah is responsible for the organisation’s day to day operational performance, resilience, and strategic scaling. Overseeing people strategy, business continuity frameworks, and ensuring the systems, data and resources enable safe, efficient, and sustainable delivery.

Prior to joining CAUK, Hannah enjoyed a successful career in financial services with roles spanning consumer, commercial and corporate banking and brings experience of leading both operational and customer facing teams through change and transformation in highly regulated and complex product areas.

Hannah holds a Diploma in Corporate Governance, an Executive MBA, and Chartered Manager status, and is committed to inclusion, accessibility and community impact.

Alex is a highly seasoned brand and creative marketing leader with a background of senior client roles and creative agency leadership. His experience is focussed on building brands that resonate with consumers and create strong loyalty and engagement.

He joined Cash Access UK from Samsung UK where he was the Head of Brand leading teams developing brand strategy and creative and also Head of MX Creative Studio, an in-house agency team he established. His career to date has included experience with brands including Vodafone, Honda Europe, Audi Europe, Tesco, Virgin Atlantic and Sky TV. 

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. 

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.

Laura has 20 years’ experience in commercial and risk management roles within financial services with HSBC, Barclays and Virgin Money.

As Chief Risk Officer she is responsible for delivering the risk strategy, overseeing enterprise-wide risk management, regulatory compliance and the control environment ensuring that the strategy is delivered in a safe and sustainable way.   

Jennifer has over 25 years’ experience in financial services, particularly in the cash and payments arena.

She became Chief of Staff in August 2025 and works alongside the CEO and the executive team to ensure the efficient and effective running of the company.  

Cindy is an experienced corporate governance leader with 21 years company secretarial experience working in regulated industries: financial services (Visa and Zurich Insurance, Betting and Gaming - Betfair plc), telecoms (MBNL, JV between EE and Three) listed plc (LSE and NYSE), private, joint venture and private equity company companies.  This experience has been enriched by her legal training and qualification as a solicitor in 2009. She is also currently a Non-Executive Director of Breakthrough Impact.