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. 

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 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 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.

In 2017, Stephanie moved from her role in the RBSI Legal team 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.

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 11 years and is fluent in French. 

Susan is a former bank appointed trustee for the NatWest Group Pension Fund and was 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. 

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.

Mark Beaumont

Chief Operating Officer

Mark is the Chief Operating Officer of RBS International.

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

Prior to joining RBS International in February 2023, Mark was Head 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 the Chief Information Officer of RBS International. 

An experienced technologist, Teresa has worked in the financial services sector for over 20 years undertaking 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.  

With extensive experience in commodities, derivatives, currencies and investment banking, Teresa has led a number of transformation projects throughout her career including organisational restructures, a major cyber security programme, cloud transformations and various efficiency and streamlining programmes. 

Teresa is a seasoned Executive Committee member, an experienced attendee at Board and Board Committees and has worked with several UK regulators, including the Financial Conduct Authority. 

Teresa holds a BA (Mod) in Computer Science, Linguistics and French from Trinity College, Dublin.