Aldermore Bank is a retail bank which provides financial services to small and medium-sized businesses.

Finance

Aldermore Bank

Pat Butler has had a long and successful career in business and finance. Pat began their career at [McKinsey & Company](/org/mckinsey-company), where they rose to the rank of director. Pat then spent several years in the banking industry, first at the [Bank of Ireland](/org/bank-of-ireland) and then at the [British Business Bank](/org/british-business-bank). In recent years, they have been chairman of [Aldermore Bank](/org/aldermore-bank) and a partner at Resolution Financial Markets. Pat has also served on the boards of [Hikma Pharmaceuticals](/org/hikma-pharmaceuticals) and the British Film Institute (BFI).

Pat Butler has an ACA from the Institute of Chartered Accountants in Ireland and a B.Comm from University College Dublin. Pat also has a Post-graduate Diploma in Accounting.

Pat Butler

Previously, Steven has been CEO at C. Hoare & Co, the UK’s oldest privately-owned bank, for two years where he has developed and led an extensive programme of change. Prior to this, he spent 30 years at Barclays, starting as a branch cashier and working his way up to lead several of their major businesses, including Barclaycard Business Solutions, Personal Banking for UK & Europe, and Business Banking in the UK. He has extensive hands-on experience, from the front line to top management, in retail and business banking, payments, digital, data and technology. Most of his career has been in UK Banking, but he has had significant experience across Europe and the US and also spent four years working and living across Africa and India.

Steven sits on several advisory boards, and is the Joint Chair of the Social Mobility Commission (a non-departmental public body sponsored by the Cabinet Office) promoting and monitoring progress towards improving social mobility in the UK. He is also Chairman of Experian UK and a Non-Executive Director of the global recruitment company Robert Walters PLC.

Steven Cooper

Ruth is experienced in working in finance and investments. Prior to becoming CEO at Octopus Investments in 2018, Ruth was Chief Customer Officer and Chief of Staff at Tandem Bank. Her previous roles include as Global Finance Director at Bacardi, and Private Sector Adviser & Deputy Project Leader at the Tony Blair Africa Governance Initiative in Sierra Leone. Ruth graduated in 2001 from the University of Cambridge with an MA (first class) degree in Natural Sciences.

Ruth Handcock

Danielle joined from Barclays Bank where she spent 20 years building extensive knowledge and experience in Financial Services. In her most recent role as Managing Director for Mortgage and Premier Distribution, Danielle led the integration and transformation of the business, delivering a far superior customer and colleague proposition. Previous to this, she held a broad range of roles across the organisation, including responsibility for commercial delivery and strategic change. In addition, she played an active role driving the diversity and inclusion agenda and in particular, female talent and development.

Danielle Soto

Paula joined Aldermore in 2022 as Chief Technology and Information Officer* with over 20 years' experience working in technology within Financial Services firms. Prior roles include Chief Operating Officer at Ruffer LLP and Chief Technology Officer at Newton Investment Management. She began her career in the technology division of Goldman Sachs, supporting the equities and investment management divisions. An alumna of the Universities of Cape Town and Oxford, she holds honours degrees in mathematics and linguistics and a DPhil in linguistics.

Paula Walter

Tim Boag

Des has over 30 years’ financial services experience, having spent most of his career at Bank of Ireland Group where he lead businesses in Ireland and the UK including retail and commercial banking, SME, wealth management, insurance, and technology. Des was a member of the Bank of Ireland Group Executive Committee from 2000 until retirement in October 2019 and served as a Director on the Bank of Ireland Court from 2006 to 2011.

His most recent leadership role was as CEO of Bank of Ireland UK PLC (2012 to 2019), the independent subsidiary of the Bank of Ireland Group, with a full service retail and commercial bank in Northern Ireland and significant partnerships with the UK Post Office, Automobile Association and UK wide Mortgage Intermediaries and Motor Dealerships.

Des Crowley

Cathy Turner

Romy Murray has over 30 years of experience in the financial services and oil industries. Romy spent much of her executive career at Standard Chartered, including in senior positions in the Bank’s risk and legal functions. She started her career in the oil industry with Shell.  Romy is also an experienced executive coach and an ambassador for Women on Boards.

Romy Murray

Before joining Aldermore in 2022 as Chief People Officer*, Nick was most recently the Chief Operating Officer at Domestic & General (D&G), with responsibility for leading Operations, HR and Communications. He joined D&G in December 2016 as Group HR Director, taking on wider responsibility for Operations in August 2018. Prior to joining the business, he spent eight years at HSBC, most latterly in the role of Head of HR for HSBC, UK.

Nick is a Fellow of the Chartered Institute of Personnel and Development and holds a BA (Hons) degree in Personnel Management from the University of Greenwich.

Nick Ulycz

Ralph was most recently CFO of TSB for five years and was pivotal in driving its transformation and growth strategy. Prior to joining TSB, he was Finance Director at the Bank of England, from 2013 to 2016, after nine years at Barclays, latterly as the Finance Director of Barclays’ UK Retail & Business Bank. Ralph qualified as a chartered accountant with PwC in South Africa before joining the firm in London in the Transaction Services division.

Ralph Coates

Andrew joined Aldermore in 2020 as Chief Risk Officer following 25 years in financial services. He joined from Bain & Co where he was a global expert partner in their financial services and simple & digital practices. Prior to Bain & Co he worked for 23 years at [NatWest Group](/org/natwest-group) where he held a number of senior business and risk roles. He was part of the Commercial & Private Banking ExCo from 2014-2019, the Risk ExCo 2010-2014, as CAO Restructuring & Risk and Head of Enterprise Risk. Before that he spent seven years in capital markets as a director in their financial institutions group and seven years in group risk management. He holds a degree in Mathematics & Management from Kings College and is a Fellow of the ACCA.

Andrew is responsible for Risk across the Group which includes credit, operational, compliance, conduct and financial crime risk, as well as capital and liquidity risks.

Andrew Lewis

Richard has 40 years of experience in banking and financial services. Latterly he was Chief Executive of UK Asset Resolution Ltd responsible for winding down the nationalised banks Bradford & Bingley and Northern Rock Asset Management between 2010 and 2016 for which he was awarded a CBE. Before that he was a director of Alliance & Leicester plc where he was the Managing Director of the Commercial Bank. Richard is a qualified chartered banker.

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