Formerly a manager with the Halifax, Phil is the group’s Finance and Human Resources Manager. Phil has responsibilities for all accounting procedures, capital adequacy, compliance and pricing within the group. His position as part of the graduate assessment board at the Halifax has stood him in good stead as head of Finance.

Phil may have what many of us think of as some of the most boring jobs
at Wills & Trusts (dealing with the VAT returns!) but they are probably the most important.