Nicola Cowan

Nicola Cowan is a highly experienced Risk and Assurance professional with a focus on Health, Safety, and Wellbeing. Currently serving as the Risk and Assurance Manager at Lloyds Banking Group since November 2025, Nicola leads strategic oversight and the implementation of robust risk frameworks to support executive decision-making. Prior to this role, Nicola managed Health, Safety, and Wellbeing at Virgin Money UK PLC and Clydesdale Bank, with responsibilities for creating safe working environments. Career experience also includes significant roles at Mitie, RBS, and Occupational Health and Safety Services, specializing in risk management and health and safety practices. Educational qualifications include NEBOSH certifications and a degree in Risk Management from Glasgow Caledonian University.