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Board and Governance

The RBS International Executive Management Team

Jane Howard

Chief Executive Officer

Jane is the Chief Executive Officer of RBS International, bringing over 40 years of experience in financial services. Her career spans personal banking, commercial banking, risk management and operations.

Prior to joining RBS International in July 2025, Jane was Chief Executive Officer of Ulster Bank Ireland DAC where she championed cultural change and embedded a customer first approach to innovation and transformation. She also led the phased and orderly withdrawal of Ulster Bank from the Republic of Ireland market.  

Before her time at Ulster Bank, Jane was Managing Director of Personal Banking at NatWest Group where she guided the franchise through a period of significant and successful transformation. 

Jane holds a BA in Financial Services and is a Chartered Director, Certified Bank Director and Certified Investment Fund Director. She also holds Diplomas in Leading Cultural and Ethical Change in Financial Services and in Compliance. 

Robert Horrocks

Chief Financial Officer

Rob is Chief Financial Officer of RBS International.

Since joining the NatWest Group in 1999, Rob has held a variety of senior leadership finance positions across a number of functions including Services & Functions, NWG Treasury and NatWest Markets.

Rob has international leadership experience and was European Network CFO for the Europe, Middle East and Africa Commercial and Institutional Banking business as well 2 years working in Paris leading the local Finance team.

Rob holds a BA (Honours) in Music from the University of Bristol. Robert holds a Diploma in Treasury Management (AMCT) and certification from the Associates of Cost and Management Accountants (ACMA). Outside of work, Rob’s passion is classical music. 

Wendy Phillis

Chief Risk Officer

Wendy is the Chief Risk Officer of RBS International.

Wendy has over 30 years’ experience in senior risk, compliance and management roles across the financial services sector. Prior to joining the NatWest Group in November 2022, Wendy held Chief Risk Officer, Chief Operating Officer and Managing Director positions at global, listed companies including Link Group, Royal Bank of Canada, ICAP and State Street.

With extensive regulatory credentials, Wendy has experience of the regulatory regimes in the United Kingdom, Luxembourg, Ireland, broader EU and the United States of America.

Wendy holds a Bachelor of Science Degree in Physics from the Dickinson College, Pennsylvania, USA and a MBA from Simmons University, Boston, USA. Wendy holds the Financial Times Non-Executive Directors Advanced Professional Diploma. 

Jo Kingsley-Rowe

Head of HR

Jo is Head of HR for RBS International.

Jo has over 20 years’ experience in HR and started her career in recruitment followed by 4 years at Accenture, the multinational technology and consulting firm.

Since joining the NatWest Group in 2008, Jo has held a variety of senior HR business partner roles across a number of functions and businesses including marketing, communications, strategy and ventures, services, operations and retail banking.

Jo recently joined the North West Business Leadership Team, an organisation that brings leaders together to shape the future of the North West of England region and bring positive change for its people.

Jo holds a first class BSc (Honours) in American Business Studies from the University of Wales, Swansea and a MSc in Human Resource Management from the London School of Economics and Political Science. Jo is bilingual and speaks fluent French.

Stephanie Duke

Director of Legal, Governance and Data Protection

Stephanie is a solicitor who qualified as a commercial litigator with a City of London law firm in 1995 specialising in corporate litigation and shareholder disputes.  Stephanie moved to a law firm in Jersey in 2004 before joining RBS International and the Legal team.

Stephanie moved out of her role in the RBSI Legal team after 5 years with the Bank, for a one-year secondment to Personal and Business Banking, with responsibility for the business management team.

Stephanie was subsequently appointed as the Director of Legal, Governance & Data Protection.  From July 2021 to July 2023, and in addition to her existing accountabilities, Stephanie was the Accountable Executive for financial crime prevention leading the RBSI financial crime transformation programme.

Stephanie is a qualified Chartered Bank Director (Institute of Banking, Dublin) and holds a financial crime prevention qualification.

Neil Walker

Managing Director, Institutional Banking

As interim Managing Director of Institutional Banking, Neil oversees the delivery of tailored banking and lending solutions to institutional clients, including alternative investment fund managers, asset managers, fund administrators and corporate service providers. He leads multi-jurisdictional teams across London, Jersey, Guernsey, Luxembourg, the Isle of Man, Gibraltar, Edinburgh and Belfast.

With over 20 years’ experience in financial services, Neil began his career at NatWest Group in 2004. Since then, he has held a range of senior leadership positions spanning funds banking, real estate finance, portfolio management and structured finance.

Neil holds a first class BA Hons in Finance from Strathclyde University, Glasgow. 

Richard Steel

Managing Director

Richard was appointed interim Managing Director of International, Retail and Commercial Banking in May 2025 and is responsible for the end-to-end delivery of the Retail, Wealth and Commercial customer propositions in Gibraltar, Guernsey, the Isle of Man and Jersey along with an international customer base.

With over 25 years’ experience in the financial services sector, Richard started his career with the NatWest Group in 2010 and has undertaken senior leadership roles in Retail Coverage (retail and international customers), International and Wealth Coverage and Risk and Controls.

Richard holds a coaching mastery accreditation and has completed the University of Cambridge Sustainable Leadership Programme. 

Mark Crathern

Managing Director, Depositary Services, Commercial and Institutional

Mark joined the NatWest Group in October 2019 to lead the Trustee and Depositary Services business in the UK and Luxembourg. In 2022, Mark was appointed Chief Executive Officer and Executive Board member of NatWest Trustee and Depositary Services. Mark also became a member of the Executive Committee of RBS International in 2022.

With more than 35 years’ experience in the financial services sector, Mark previously held the position of Global Head of Corporate Trust and Loan Agency at HSBC between 2010 and 2019. Mark was a member of the HSBC Securities Services Executive Committee from 2011 - 2019, co-chairing the Fiduciary Risk Committee and HSBC Securities Services Graduate programme. Mark has also served as a Board member of the UK Commercial Mortgage Securities Association.

Specialising in Capital Markets and Securities Services, Mark has extensive experience in funds, custody, securitisation, structured finance, project and export, leveraged and real estate finance in the European, US, Asia and Middle East markets.

Mark Beaumont

Chief Operating Officer

Mark is Chief Operating Officer of RBS International.

Mark joined the NatWest Group in 2013 and has extensive experience across chief of staff, strategy, business management, communications and operations roles.

Prior to joining RBS International in February 2023, Mark was Director of the Office of the NatWest Group CEO & Chairman with responsibility for their private office, CEO Communications and running the Rose Review into Female Entrepreneurship in conjunction with the Department of Business.

Marks holds a MA (Hons) degree in English Literature & Politics from the University of Glasgow.

Teresa Kingswood

Chief Information Officer

Teresa is Chief Information Officer of RBS International. 

An experienced technologist, Teresa has worked in the financial services sector for over 20 years as Chief Information Officer, Head of IT and Managing Director roles at global companies including Daiwa Capital Markets Europe, Engelhart Commodities Trading Partners and Goldman Sachs.  

Teresa graduated in Computer Science, Linguistics and French from Trinity College, Dublin.