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Our core team is based in Wrexham, North Wales.

We come from a diverse range of backgrounds and experiences. But everyone believes in making a difference through our products. This means we’re outcome focused, and non-hierarchical in the way that we work and challenge.

We expect everyone to ‘be the change’ – to deliver more for our customers.


Andy Mielczarek – CEO

Andy has broad experience of driving commercial performance across entities and jurisdictions. Prior to Chetwood, he was the deputy head of HSBC’s UK Retail Bank, having previously been Commercial Director and Head of Retail Products for HSBC Europe.

Andy has also been the CFO at M&S Bank, Head of Commercial Finance at MBNA, and Brokerage Operations Director at Charles Schwab.

Andy has been an FCA approved person for many years carrying out a broad range of regulated roles.


Mark Jenkinson – COO

Mark is an expert in financial services technology, experienced in designing, building and implementing front to back solutions across retail, wealth, commercial and wholesale banking. Prior to Chetwood, he was a lead Partner at Capco/FIS in Retail Banking and Wealth Management.

Over his career, Mark has worked at Temenos and TCA Consulting and has had a number of marquee engagements including the launch of Egg, the UK’s first internet bank, advisor to the Board of NBNKi, the investment fund set up to acquire UK banking assets and establishing Platform Securities as a leading independent processor.


Alan Cook CBE – Chairman

Alan’s currently Chairman of LV= insurance, and the University of Bedfordshire.

His early career was with Prudential where he rose to become a Divisional Chief Executive.

Alan was previously Chairman of Permanent TSB in Dublin (one of the leading Irish banks), Deputy Chairman of Sainsbury’s Bank and a Non-Executive Director for MetLife Europe.

Prior to the above appointments, Alan had been Chairman of the Highways Agency, Irish Life and Permanent in Dublin and a Board member of the Department for Transport. He’s also been Chief Executive of a number of organisations including the Post Office and National Savings and Investments (NS&I).

He was awarded a CBE in the 2006 New Year's Honours list.


Matt Symonds – Senior Independent Director and Remuneration Committee Chair

Matt’s an independent business adviser and investor, with deep experience in retail financial services.

He was formerly a senior Partner in the London office of Bain & Company where he was the leader of Bain’s UK Financial Services practice. Over his career, Matt has worked with retail banks, life assurers, asset managers, card issuers, consumer finance companies and private banks across the UK, Ireland, continental Europe, North America, Asia and Africa.

Matt also serves on the Boards of the International Institute of Strategic Studies, Nottingham Contemporary, and Action for M.E.


Emer Daly - Audit Committee Chair

Emer has a wealth of experience working as a Non-Executive Director within financial services.

She’s currently Board Chairman of RSA Insurance Ireland and the Chair of the Audit Committee of Permanent TSB Group Holdings plc and Permanent TSB plc. Previously she was Audit and Risk Committee Chair for Friends Provident International Ltd (a subsidiary of Aviva plc), and Lombard International Assurance S.A.

Emer has also previously held non-executive directorships roles with two Irish listed companies; FBD Holdings plc and Payzone plc, and with state owned Irish entities EirGrid plc (an electricity transmission system operator), and Dublin Dental University Hospital and Irish Property Registration Authority.

John Gill

John Gill - Risk Committee Chair

John’s currently Chair of the Risk and Audit Committee for Quilter plc’s UK platform business and Chair of the Risk Committee for Link, the ATM network.

John was formerly Chief Risk Officer of Standard Life’s insurance, pensions and savings businesses in the UK and Europe. During his time at Standard Life, he was also Managing Director (Customer Operations), Managing Director (Finance) and Chief Executive of Standard Life Bank.


Andrew Arwas - Head of Architecture & Design

Andrew has extensive experience in designing and delivering large scale transformation in retail banking & wealth management.

At Barclays Bank, he was Business Architect for a transformation programme in Retail Credit Risk, before taking on the roles of Head of Strategy and Head of Change for Barclays Mortgages. After Barclays, Andrew worked at Capco, ultimately leading the Wealth & Asset Management practice in the UK.


Julia McColl - Commercial Director

Julia has a proven track record of defining and delivering commercial programmes across Retail Banking and Wealth Management, excelling in customer experience and return on investment.

Prior to joining Chetwood, she led a number of strategic initiatives for Wealth and Private Banking clients, focused on delivering commercial results through customer centric propositions for Capco clients. She has also held a number of commercial product roles at Lloyds Banking Group, responsible for digital transformation across Credit Cards, Mortgages and Personal Loans.

Chris B

Chris Blampey - Head of Risk Strategy

Chris has covered the full credit lifecycle across all retail lending products, from customer selection and prospecting, onboarding and underwriting, account management, collections and debt sales.

He has previously been Head of Risk Portfolio Management for unsecured and secured lending at HSBC as well as Head of Retail Credit Services for Europe at HSBC.


Sean Lynskey - Head of Operations

Sean has worked across a number of operations and IT roles in retail and private banking.

Prior to joining Chetwood, Sean worked as a Management Consultant in financial services, delivering a number of strategic and regulatory changes in banks in the UK and internationally.


Nick Fisher - Chief Financial Officer

Nick’s a qualified Chartered Accountant with experience across a variety of finance and strategic roles within financial services.

Most recently he was a Senior Vice President within the financial services vertical of Mastercard Advisors. Prior to this he was Deputy CFO at M&S Bank following his role as Head of Unsecured Lending Commercial Finance at HSBC. He has also held management roles at Kessler Financial Services and MBNA.


Emma Stephens - Head of Change Delivery

Emma has a wealth of experience in Change within Financial Services.

Emma previously led a successful platform re-build and migration programme delivering enhanced capabilities to customers and employees. She was also responsible for maintaining focus on strategic projects, ensuring that Corporate client implementations were delivered effectively.


Louise Taylor - General Counsel & Company Secretary

Louise has extensive experience in commercial and banking services, having acted principally for financial institutions, private equity and investment houses.

Prior to joining Chetwood, Louise spent the majority of her career at international law firm Pinsent Masons and had undertaken secondments with Lloyds Banking Group and the Co-operative Bank.

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