Rick is a highly experienced Chair who combines a successful commercial career with a deep knowledge of financial services markets and technology, as well as a strong track record of delivery at significant customer-facing organisations. Rick’s Chair experience extends across industry sectors, including Ocado Group plc, which provides technology and automation solutions for grocery retailers; Embedded Finance, a fintech company; QiO Technologies Limited, the industrial AI company that Rick co-founded; Xynteo, a Norway-based sustainability consultancy; and Mastercard Inc, a global technology company.

During his tenure as Chair of Mastercard Inc the company was transformed from a credit card company to a global technology company and its market capitalisation increased from $5 billion to over $350 billion. He also chaired Arc International Holdings, Centrica plc and Network Rail Limited, and was a partner at Star Capital. Rick’s past non-executive directorships include Globant S.A, Cookson plc, Lafarge S.A., Land Securities plc and ICI plc. Rick also led the Haythornthwaite Review of UK Armed Forces Incentivisation.

Rick has been responsible for several high-profile business transformations and rescues, including Invensys, then one of the world’s leading industrial controls companies, as CEO.

• Chairman of AA Limited
• Senior advisory partner at Moelis & Co
• Visiting Fellow at the Said Business School, Oxford University

• Group Nominations and Governance Committee (Chair)

Katie is a Chartered Accountant with over 30 years' experience in financial services and accounting. She has extensive experience across the UK, Europe, and Africa, primarily in the financial services industry; encompassing business transformation, capital management, investor relations, corporate development and financial planning.

Katie is a firm believer in supporting gender equality and increasing diversity in business leadership, co-sponsoring NatWest’s gender strategy and contributing to not-for-profit organisations such as 25x25. Katie is also passionate about tackling climate change and supporting the UK’s transition to net zero. Katie is responsible for NatWest’s climate transition plans and is a passionate member of Accounting for Sustainability (A4S).

Katie was appointed Group Chief Financial Officer of NatWest Group in January 2019, following senior roles within the Group as Director of Finance and Deputy CFO. Previously Katie was the Group Finance Director for Old Mutual Emerging Markets, based in Johannesburg (2011-2015), having held various roles across Old Mutual from 2002.

Katie is a member of The Institute of Chartered Accountants of Scotland.

• Non-executive director and Audit Committee Chair of Phoenix Group Holdings plc.

Karin brings a broad mix of financial services experience to the Board, including retail, commercial and investment banking as well as financial advice, wealth management and insurance. She currently sits on the board of Phoenix Life and its subsidiary SunLife and has previously been a member the boards of Scottish Widows and Quilter Financial Planning. Her background is in running large scale customer operations, leading technology transformations, migrations and integrations, and delivering programmes which deliver operational efficiency and improved customer outcomes.

With 35 years’ experience in banking and wealth management, Karin served most recently as Chief Operating Officer of Quilter plc, an integrated wealth management company. Previously she was Director of Operations for Lloyds Banking Group, and spent her earlier career in various operational roles at HSBC, Morgan Stanley and Goldman Sachs.

• Non-executive director of Phoenix Group Holdings and its subsidiary Phoenix Life Limited  
• Chair of SunLife Limited (a subsidiary of Phoenix Group Holdings)

• NWH Audit Committee
• NWH Performance and Remuneration Committee

Josh is a senior leader in financial services, having spent 32 years in investment banking, advising boards and management teams across multiple industries and geographies on complex capital markets, financial and operational issues. 

Josh’s strengths in capital markets and investment banking enhance the overall knowledge and experience of the Board, particularly in support of our strategic direction and growth opportunities.

Josh is a former Vice Chair of Global Investment Banking for the Royal Bank of Canada. He was previously their long-time Head of European and Asian Investment Banking, serving in that role for twelve years (2011 - 2022), including seven years as a member of RBC Capital Markets' Global Operating Committee (2015-2022).

He joined RBC in 2009 to help lead the build-out of RBC's investment banking and equities footprint in Europe as part of RBC becoming a full-service investment banking provider. Before Royal Bank of Canada, Josh held senior roles at Goldman Sachs and Merrill Lynch.

• Trustee and Investment Committee Chair at Great Ormond Street Hospital Children’s Charity
• Honorary Senior Visiting Fellow at Bayes Business School,  City St. George’s, University of London

Patrick contributes significant retail and commercial banking experience to the Board, together with a background in complex organisational restructuring and technology transformation. This experience enables Patrick to provide insightful contributions to Board discussions on complex matters, alongside his significant financial knowledge and expertise.

Patrick was the Chief Financial Officer and a member of the Executive Board of ING Group for over eight years to May 2017. Prior to that, he worked for HSBC for 20 years. Patrick is a Fellow of Chartered Accountants Ireland.

• Senior Independent Director and Audit Committee Chair of Aviva plc

• NWH Audit Committee (Chairman)
• NWH Board Risk Committees
• NWH Nominations Committee
• NWH Performance and Remuneration Committee

Yasmin brings a wealth of retail banking and customer experience to the Board, as well as valuable technology and innovation insights, and a strong background in general management. Yasmin adds strength and depth to the Board in these important areas, supporting challenge and debate and effective decision-making.

On 1 April 2020 Yasmin re-joined the Board of NatWest Group plc, having first been appointed in June 2017. Yasmin stepped down in April 2018 in order to serve solely as a director of our key ring-fenced entities, and, like the majority of our directors, she continues to serve on these boards in addition to the Board of NatWest Group plc.

During her executive career, Yasmin held Chief Information Officer roles at Bupa and the Financial Times, where she later became the Chief Operating Officer. Prior to that Yasmin held a number of senior roles at Abbey National PLC, in a career spanning nearly 20 years, where latterly she served as an executive director on the board.

Yasmin has also held a number of non-commercial roles including Vice Chair of the Board of Governors at the University of Bedfordshire (2008 to 2011) and Vice Chair of the National Committee of the Aga Khan Foundation (UK) Ltd, a non-denominational charity that works with communities in Africa, Asia and the Middle East.

• Non-executive director of Guardian Media Group plc

Gill has over 25 years of executive experience in the technology and media sectors having worked at Ofcom, Google, Channel 4 and the BBC. She is a Visiting Policy Fellow at the University of Oxford’s Internet Institute, focussing on global developments in online and AI safety. Her Board experience spans FTSE 50 companies, public bodies, and sport.

Gill has spent the last few years mobilising tech regulation in the UK, including leading for Ofcom the implementation of one of the UK’s most significant pieces of new tech legislation, the Online Safety Act. She also led the establishment of several key regulatory partnerships, including as the inaugural Chief Executive of the UK’s Digital Regulation Cooperation Forum, on behalf of the UK’s largest regulators including the Financial Conduct Authority, and as Chair of the Global Online Safety Regulators Network.

Gill is also a fellow of the Institute of Chartered Accountants.

Gill has served as a Non-executive director of the Financial Ombudsman Service and Camelot (operator of the National Lottery). Gill also previously served as Google UK’s Senior Director of Client Solutions & Analytics, leading teams in data science and analytics, measurement, and user experience, having also led their market insights function across EMEA. Before the world of tech, Gill worked in media at Channel 4 and the BBC in a variety of data and technology-driven leadership roles.

• Non-executive director and Audit Committee Chair of Informa plc
• Non-executive director of the British Olympic Association
• Chair of the Women’s Rugby World Cup 2025
• Member of the Advisory Council at Frontier Economics

• NWH Board Risk Committee

Gary works closely with the Chair to ensure effective and efficient functioning of the Board and appropriate alignment and information flows between the Board and its Committees. He is responsible for advising the Board and individual directors on all governance matters, and also facilitates Board induction and directors’ professional development.

Gary is a qualified lawyer with significant governance, legal and regulatory experience. He was appointed Chief Governance Officer and Company Secretary at the beginning of 2025 and prior to that held various roles in the Corporate Governance function, including Head of Corporate Secretariat and Deputy Company Secretary. Prior to joining NatWest, Gary was a Senior Associate at A&O Shearman.