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.

Lynn Cleary

Chief Financial Officer

Lynn was appointed as Chief Finance Officer in 2005 and has more than 20  years industry experience having joined PwC in Jersey after qualifying in Dublin. Lynn benefits from a broad range of finance sector knowledge; she joined RBS in 1999, and moved to RBSI the same year.

Lynn led on the ring-fencing transformation of the RBS International business, which has elevated RBSI to a stand alone 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. 

Stuart Foster

Managing Director, Institutional Banking

Stuart Foster was appointed as Managing Director of Institutional Banking in April 2019.

Stuart joined NatWest Group in 2000 and has worked in a variety of roles across the Group, including Structured Finance in Global Banking and Markets and Coverage in the Large Corporate business within CPB, leading the Services and TMT team. More recently, Stuart was Managing Director in Large Corporate & Institutions with responsibility for several sectors including Financial Institutions, Professional Services and Education.

Stuart is an Associate of the Chartered Institute of Bankers (ACIB) and holds a Non Executive Director role for Big Society Capital where he also acts as the UK Bank Shareholder representative and is a member of the Board and Risk and Audit Committee.

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.