Our board

Our Board is appointed by the Financial Conduct Authority (FCA), but acts independently of it. Appointments of the Chair and Chief Executive must also be approved by HM Treasury.

The Board’s role is to provide leadership and strategic direction, define control mechanisms and supervise the overall management of our activities.

Board member biographies

Andy Briscoe (Chairman)

During an extensive and successful career in the financial services sector Andy has chaired and served on the boards of a broad range of companies. His professional experience ranges from insurance and credit cards to private equity, and includes managing directorships with Centrica and The AA, as well as spells at American Express and BUPA. Andy also chairs Fiinu, a fintech company, and he is a trustee of his local Citizens Advice. Andy assumed the chairmanship on 27 September 2013.

Caroline Fawcett (Non-Executive Director)

Caroline is a specialist in customer service and excellence and bringing customers to the heart of organisations. She’s been the customer experience director and marketing director at Legal & General, customer director at the Rural Payments Agency, and has held positions as Serco, Essex County Council and the Care Quality Commission. She also has significant experience of the financial services sector – as well as her positions at Legal & General, she is on the Board of Co-Op Insurance and is Customer Advocate for Prudential Assurance. Caroline was appointed on 1 April 2015 for a three-year term.

Charles Counsell (Chief Executive)

Charles was appointed as Chief Executive of the Money Advice Service in June 2017. He spent six years prior to this as Executive Director of Automatic Enrolment at the Pensions Regulator (TPR) where he was responsible for the successful UK roll-out of this programme, working alongside DWP. In his time at TPR, the automatic enrolment programme led to more than 7.5 million workers newly saving into a workplace pension from over 500,000 employers. Charles was awarded an OBE in 2017 for services to workplace pension reform. He has spent much of his career setting up and leading major change programmes in both the private and public sector in the UK and overseas. Charles is also a Trustee of South Somerset Citizens Advice.

Christopher Morson (Non-Executive Director)

Christopher has held a number of senior roles in the finance sector, and he is currently also a Non-Executive Director of the DVLA. Previous roles have included: Digital Director, Virgin Money; Managing Director of Digital, RBS/NatWest: Director, Strategy, Retail Direct Division RBS, Managing Director of a consumer finance businesses in the EU and Director, Operations of RBS Cards. He has been instrumental in the introduction of mobile banking apps into the UK and the development of a number of innovations in banking. In the early nineties during a period as a senior consultant with Price Waterhouse Management, Christopher project managed a number of high profile commercial television finance propositions. Other industry exposure at that time included Card Processing, utilities and fine chemicals. Christopher was appointed on 1 September 2015.

John Penberthy-Smith (Customer Director)

John was appointed as the Customer Director on 5 December 2014. A new world Chief Marketing Officer with nearly 30 years’ experience in senior roles in fast moving consumer sectors of retail, telecoms and technology. An expert in turning consumer understanding into a compelling and workable proposition for organisations to deliver that will grow market share and profit.

John joined MAS following several years running his own management consultancy, focused on digital transformation and accelerating start-ups.

Prior to that he spent over a decade in the telecoms industry in director roles at Vodafone, Three and Eircom.

John spent a decade in the retail sector at the beginning of his career in a variety of sales and marketing roles working for both Dixons Stores Group and Thorn EMI.

Michael Dailly (Non-Executive Director)

Mike is the Director of the Govan Law Centre in Glasgow. This is a not-for- profit advice centre, helping people at the sharp end who are having to cope with financial disputes, including credit repayments and mortgage repossessions. He is a Solicitor Advocate who acts exclusively for consumers, a member of the European Banking Authority’s expert group, and a Non-Executive Director with the Scottish Housing Regulator. He has also been a member of one of the Service’s key stakeholder groups, the Financial Services Consumer Panel. Mike was appointed on 1 April 2015 for a three-year term.

Nicola Bruce (Non-Executive Director)

Nicola is an experienced strategist with a background in non-standard financial services. She was formerly Director of Strategy at Albermarle & Bond, one of the UK’s leading pawn brokers and non-standard lenders, and Director of Strategy & Business Development at De La Rue plc, the banknote and security printer. Prior to this, Nicola was a partner at The Monitor Company where she led strategy development and consumer research projects for financial services and consumer goods companies. Nicola was appointed on 1 April 2015 for a three-year term.

Robert Skinner (Non-Executive Director)

Robert has held a variety of senior roles in a 40 year career in financial services. He recently retired as Chief Executive of the Lending Standards Board, and prior to this he spent three years as Director General of the Money Advice Trust, a charity that provides advice to over-indebted individuals, via National Debtline and training and support to money advisers. Robert’s earlier career was spent working for Barclays Bank where he held a number of senior roles in Large Corporate, International and Retail banking. He was appointed 1 February 2012 for a three-year term. Robert was appointed as the Senior Independent Director in December 2015. Robert’s term was renewed in 2015.

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