Board and Governance

The RBS International Executive Management Team

Oliver Holbourn

Chief Executive Officer

Oliver is currently Chief Executive Officer of RBS International.

Oliver joined the NatWest Group in September 2018 as Director of Strategy and Ventures and held responsibility for Group Strategy, Sustainability, Economics, Ventures, and Corporate Development.

Prior to joining the Group, Oliver worked at UK Financial Investments (UKFI) where he was latterly CEO, with responsibility for managing the government’s shareholdings in the NatWest Group, Lloyds Banking Group, and UK Asset Resolution.

Oliver worked at Bank of America Merrill Lynch for nearly 14 years before joining UKFI, where he undertook various roles including head of equity syndicate for Europe and head of UK equity capital markets origination.

Oliver holds a BA, Jurisprudence from the University of Oxford.

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. 

Lynn Cleary

Managing Director, Strategic Projects RBS International

Having stood down as CFO in 2022, Lynn is now leading the RBS International Financial Crime transformation programme which is a multi-year programme.

Joining RBS International in 1999, Lynn was the Chief Finance Officer between 2005 and 2022 and has more than 20 years industry experience and a broad finance sector knowledge. Lynn started her career with PwC after qualifying in Dublin.

Lynn led on the ring-fencing transformation of the RBS International business, which has elevated RBSI to a standalone bank outside the ring fence, with a balance sheet in excess of £30bn coupled with strong and sustainable profitability.

Lynn holds a first class honours degree in Business Management from Trinity College, Dublin and qualified as a Chartered Accountant in Ireland, before relocating to Jersey. Lynn is the President of the Jersey Bankers Association.

Ian Gannon


Interim Chief Risk Officer

Ian has over 30 years’ experience in the financial services sector and started his career with the NatWest Group in 1989 undertaking a number of customer facing roles before focusing on risk management.

After an initial 17 year career with the Group, Ian left to widen his experience and held senior compliance and audit positions with Santander and HSBC in the UK and TSB in New Zealand.

Returning to the NatWest Group in 2014, Ian has held a variety of leadership roles in compliance, advisory and risk across various parts of the Group including Personal and Business Banking and Ulster Bank. 

Jo Kingsley-Rowe

Head of HR

Jo is the Head of HR for RBS International.

Jo has over 20 years’ experience in HR and started her career in recruitment including 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 including marketing, communications, strategy and ventures, services and retail banking.

Jo holds a first class BSc (Honours) in American Business Studies from the University of Wales, Swansea and an 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, Data Protection and Financial Crime

Stephanie is an English solicitor who qualified as a Commercial Litigator with a City of London law firm in 1995.   She specialised in corporate litigation and shareholder disputes.  Stephanie moved to a law firm in Jersey in 2004 before joining the RBS International team.  In 2017 she moved from her role in the Bank’s in house legal team to a one year secondment in the Personal and Business Banking business, where she ran the business management team.

Stephanie was subsequently appointed as the Head of Legal, Governance and Data Protection.  She is a qualified Chartered Bank Director obtained through the Institute of Banking, Dublin and is currently studying for a qualification in financial crime prevention.

Richard Bolingbroke

Managing Director, International Retail and Commercial Banking

Richard joined RBS in 2004 moving to RBS International in 2013, initially spending two years in Gibraltar before moving to Jersey.  

He holds a first class honours degree in Business and is an Associate of the Chartered Institute of Securities & Investment (CISI). During his 15 year career in the finance sector Richard has undertaken a number of roles across Strategy, Markets, Real Estate Finance, Mortgages and Change Management.

In his previous role as Head of Customer Experience, Richard headed up a team of over 100 colleagues to provide Marketing, Product Management, Digital, Communications and Executive Complaint support across RBSI. 

Susan Fouquier

Managing Director, Institutional Banking

As the Managing Director of Institutional Banking, Susan is responsible for supporting institutional customers (alternative investment fund managers, asset managers, fund administrators and corporate service providers) with their operational banking and borrowing needs. Susan leads teams in Gibraltar, Guernsey, Isle of Man, Jersey, London and Luxembourg.

With over 20 years’ experience in the financial services sector, Susan started her career with the NatWest Group in 2000 and has undertaken a number of senior leadership roles across various parts of the Group, including real estate finance, business banking, commercial and private banking, risk and strategy. Susan has international experience having worked in Paris for eleven years and is fluent in French.

Susan is a bank appointed trustee for the NatWest Group Pension Fund and a director of Lothbury Insurance Limited.

Susan holds a degree in International Business and Modern Languages from Strathclyde University, Glasgow and has successfully completed the University of Cambridge Institute for Sustainability Leadership NatWest Programme. 

Jon Crouch

Chief Digital and Transformation Officer 

Jon Crouch joined Royal Bank of Scotland in 2014, building on 25 years experience in Technology and Finance including working for HP, UK Government, Accenture, Swiss Re and Standard Life. Throughout his career he's successfully fulfilled roles including Head of Technology, Portfolio Executive and Director of Technology and Change and Chair of the Operational Investment committee.

Jon has experience of managing high performing technology functions has worked in the UK, US, India and lived and worked in Germany.  He speaks French and German. Jon also holds a first class honours degree in Business Information Technology and an MBA from Edinburgh University where his thesis focused on innovation in Financial Services.  

He is a member of the Institute of Directors, has been a coach for Prince's Trust and is both a Neuro Linguistic Programming and Mindfulness Practitioner. 

Mark Crathern

Managing Director, NatWest Trustee and Depositary Services

Mark joined the NatWest Group in October 2019 to lead the Trustee and Depositary Services business in the UK and Luxembourg. Mark became a member of the Executive Committee of RBS International in August 2022.

With more than 30 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.

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

Mark was a member of the HSBC Securities Services Executive Committee from 2011 until 2019 and was Co-Chair of the Fiduciary Risk Committee and the HSS Graduate programme during the same period. In addition, Mark served as a Board member of both the Commercial Mortgage Securities Association and the HSBC Corporate Trustee Company.