John Lister
Chair
Member of the Remuneration and Nomination Committee
John has almost a decade of non-executive experience across several large financial services firms, including four years as Chair of Phoenix Life Group and five years prior to this as Chair of its Risk Committee. John is also a non-executive director of Saga Services in the UK and the Old Mutual Group in South Africa.
John has strong leadership experience gained from non-executive and executive roles in the financial services sector. He is a Fellow of the Institute of Actuaries and worked within the Aviva Group for over 30 years, in roles including Chief Risk Officer at Aviva plc and Chief Financial Officer at Aviva UK Life.
While at Aviva, John was involved in a number of community initiatives to improve his home city of York, including as Chair of the charity, York Cares. He is currently Chair of The Place Development Board and a trustee of York University Pension Scheme.
Felicity Bambery
Chair of Board Audit Committee
Felicity has over 25 years’ experience in financial services related audit and assurance. She spent her executive career at PricewaterhouseCoopers LLP, where she qualified as a chartered accountant and was a partner for several years. During the latter part of her executive career, Felicity led the firm’s national pensions assurance practice, acting as statutory auditor, controls assurance provider and head of internal audit across a diverse client base. Felicity retired from the partnership in 2022 and has since taken on non-executive roles with Leek Building Society and TPT.
Cllr David Coupe
Partner Fund nominated Non-Executive Director and member of the Audit Committee
David is Chair of the Teesside Pension Fund Committee and was first elected as ward councillor for Stainton & Thornton on Middlesbrough Borough Council in 2015. He became an executive member for Adult Health and Public Protection and Digital inclusion in 2022 and is also co-Chair on the Live Well South Tees Board. David worked in the electronics and telecommunications industry before becoming self-employed and involved with electronic and computer systems.
Rachel Elwell
Chief Executive Officer
Rachel joined Border to Coast as CEO in November 2017 with more than 20 years’ experience working in pensions and institutional investment (at PricewaterhouseCoopers LLP and Royal London Mutual Insurance Society).
In October 2020 Rachel joined the board of the Investment Association, the UK asset management industry’s trade body. In December 2021 she joined the board of Opera North, in November 2023 she joined the board of the Just Finance Foundation, a financial education charity, and in 2024, the Chancellor of the Exchequer appointed Rachel a member of the British Infrastructure Taskforce. Rachel is a Cambridge maths graduate and a qualified actuary.
Kate Guthrie
Chair of the Remuneration and Nomination Committee
Kate Guthrie is an independent non-executive director with a portfolio of roles across organisations in the financial services, public and charity sectors. She is a member of the UK Defence Board and Chair of the Defence People Committee. She is the senior independent director (SID) and Chair of the Remuneration and Nomination Committee at Border to Coast Pensions Partnership, an independent non-executive director of Finova, and trustee and Chair of the Remuneration Committee at Scottish Ballet. She was previously the Chair of Lloyds Banking Group Foundation, Scotland, a member of the Virgin Money Foundation Board, and a trustee of Action for Children (including Chair of Scotland and SID).
Kate’s executive career spanned financial services, pharmaceuticals, fast moving consumer goods (FMCG), and retail. She was formerly Chief People Officer for Virgin Money. Kate also held executive roles at Lloyds Banking Group, Novartis, Diageo and Marks and Spencer.
Richard Hawkins
Non-Executive Director
Richard’s executive career has spanned over three decades in the banking and financial services technology sector. He previously served as Chief Information Officer (CIO) for Europe at HSBC and is currently a non-executive director at the Post Office. He has held board positions at the Valuation Office Agency and is a board advisor at Charities Aid Foundation (CAF) Bank. As a consultant, Richard specialises in CIO advisory, transformation, risk management and cyber security, leveraging his deep expertise to drive strategic change while remaining at the forefront of emerging technologies . Passionate about innovation, he co-founded and served as Chief Technology Officer of a fintech start-up, pioneering blockchain-based trade finance solutions for small and medium-sized enterprises.
Cllr George Jabbour
Partner Fund nominated Non-Executive Director and member of the Remuneration and Nomination Committee
George is an elected North Yorkshire councillor, a member of the North York Moors National Park Authority and the Chair of the Howardian Hills National Landscape Partnership. He is currently serving as the Chair of North Yorkshire Council and as the Vice Chair of its Audit Committee.
A former senior analyst at Goldman Sachs, George started a business to help public-sector organisations with their investments. He was named as one of the rising stars in investment banking in the UK by Financial News.
Prior to his appointment as a non-executive director, George was the Chair of the Joint Committee of Border to Coast.
Fiona Miller
Deputy Chief Executive Officer
After being the national lead on the government’s pooling agenda and one of the driving forces behind Border to Coast’s initial conception, Fiona joined Border to Coast from Cumbria County Council. Fiona has 30 years’ experience in finance, ICT, and operational restructuring across both the public and private sectors. Fiona continues to support the development of pooling in the UK and represents the LGPS pooling companies on the LGPS Scheme Advisory Board Investment Committee. In November 2023 Fiona was appointed as the new independent Chair of the Lancashire Local Pension Board. She is also a member of the Bank of England’s Decision Makers Panel.
Andrew November
Chair of the Risk Committee and member of the Audit Committee
Andrew has spent more than 30 years in asset management, including as the Chief Investment Officer at Scottish Widows Investment Partnership (SWIP), the Chief Operating Officer of Distribution at Aberdeen and the Head of the Investment Office, Scottish Widows. He is currently a Director of Bell November Ltd, a financial services consultancy specialising in business restructuring, strategy and management coaching. Andrew is also a former Chair of the Scottish Episcopal Church Pension Fund. He holds an MSc in Applied Economics from the University of California at Santa Cruz and a BA in Chinese and Economics from the University of Leeds.
