Stephen has been involved in banking and finance for SMEs and corporates for most of his 34 years in the industry having been responsible nationally for risk management, marketing, international services and training as well as management of local business centres. He leads external relations and policy at Group level and is also a member of Lloyds Banking Group’s Retail Business Banking and Mid Markets and SME executive boards with responsibility for both Lloyds Bank and Bank of Scotland.

Stephen is a director of the UKBAA and a member of taskforces for Banking Futures and the Creative Industries Council.

Since 2008, Stephen has also been chairman of PRIME Cymru, one of HRH the Prince of Wales’ charities, which works to help people over 50 in Wales to become economically active particularly by starting businesses.

Stephen read economics at University College London and has professional qualifications in banking and marketing. He lives in North Somerset and is married to Cordelia, a GP. They have three children