Charity Bank

Carolyn joined Charity Bank in 2005 after establishing and managing a social housing loan book at a European bank, growing it to over £1bn. She is a trustee of two almshouses, a director of Almshouse Consortium Ltd, and chairs the Postcode Lottery Innovation Trust and Maidstone Grammar School for Girls Development Trust.

Joined Charity Bank in April 2025 with over 20 years of banking experience, developing technology solutions to enhance the saver experience and operational processes.

A technology and change leader with over 20 years in regulated financial services at firms including Aldermore Bank, Lloyds Banking Group, The People's Partnership and The Pensions Regulator, leading technology strategy, resilience and cybersecurity.

Joined Charity Bank in 2013 following nine years at a family-run financial services firm, supporting delivery of ethical savings accounts and the savers' experience.

With Charity Bank since 2009, progressing from IT Assistant to IT Manager and overseeing the banking system replacement before moving into her current operational resilience role in 2020.

Oversees corporate governance at Charity Bank with over 15 years in financial services, previously Company Secretary and CCO at AIM-listed Mortgage Advice Bureau.

Works across capital raising, product development and Net Zero strategy at Charity Bank. Spent 11 years at Resonance where she led the Social Investment Tax Relief Fund and co-developed a Community Development Finance Institution.

Joined Charity Bank in September 2022 as a Lending Manager, supporting organisations across the Northwest with social purpose lending; previously at GC Business Finance and Barclays.

Leads Charity Bank's Portfolio Management Unit team of Relationship Managers, bringing over 30 years of banking experience including 15 years in commercial banking supporting non-profit lending and deposits.

Manages the bank's cash holdings, payments and balance sheet risks, with 20 years of treasury experience across Europe and Asia including roles at Sainsbury's Bank, Moody's Analytics and RBS.

Joined Charity Bank in January 2025 with over a decade in commercial and real estate banking at Octopus Real Estate, Aldermore Bank and HSBC, serving as main contact for clients across the West Midlands.

Has extensive financial services and risk management experience, having served as Deputy Chief Risk Officer and Head of Sustainability Strategy EMEA at Mizuho International and MD of Credit Risk at Bank of America Merrill Lynch.

Joined Charity Bank in March 2023 with over 15 years in retail and commercial banking at HSBC, Unity Trust and Nationwide, sourcing lending opportunities for underserved Third Sector organisations.

Joined Charity Bank in 2024 after three years at Lloyds Banking Group, working in the Treasury team managing liquidity, interest rate and capital risks while studying towards CIMA qualification.

Joined Charity Bank in 2024 with 18 years in commercial banking, including seven as a specialist to the Charity, Education & Social Enterprise market, overseeing Impact Lending Relationship Managers.

A data and AI technologist who has worked at Microsoft, QuantumBlack, Raytheon Intelligence and fintech start-up Pollinate, leading Charity Bank's data transformation.

Joined Charity Bank as Non-Executive Director and Chair of Risk Committee in June 2022, having previously been Chief Risk Officer for Mizuho International and held senior risk roles at international banks.

Joined Charity Bank in October 2024 after a near 36-year career at NatWest Bank, helping social sector organisations with funding requirements.

Brings over 20 years of experience in social enterprise, housing and grant/loan funding. Works at the Greater London Authority leading North-East London investment for the Mayor's Affordable Housing Programme, previously at Reall.

Joined the Board in March 2026 with over 35 years of banking experience, including serving as CEO of M&S Bank and later HSBC Channel Islands and Isle of Man.

A South African-qualified Chartered Accountant who joined Charity Bank as Financial Controller in July 2017, with prior experience in audit and the construction and retail sectors.

Joined the Bank in 2022 with over a decade in financial services, particularly payments, ensuring the bank's policies and procedures remain up to date.

Specialises in the Microsoft 365 stack, with seven years at Kingfisher PLC and three years in financial services at Aldermore Bank, focused on automating and optimising processes.

Appointed Non-Executive Director in June 2024, with over 20 years of banking experience. She is founding Chair of the Muslimah Sports Association and holds multiple sports governance roles.