The Executive Team

Each of the Executive Members have been allocated one or more TCF outcome responsibilities in line with their job roles and scope of commercial activitiess.

John Cowan - Executive ChairmanJohn Cowan - Executive Chairman, SBG

John's financial services experience now extends over 40 years. Most of his career was spent at Scottish Amicable where he was Sales and Marketing Director, Prudential as Group Sales Director and National Australia Bank / MLC Investments ( Pivotal ) where he was General Manager. He has held a number of Non-Executive Director roles for example at Paymentshield and The Consulting Consortium. Today John is the Executive Chairman at Sesame Bankhall Group, Chairman of Uinsure, Chairman of Mortgage Options.

He lives in London, owns a house in Granada and is a fan of Celtic Football Club.

Lisa Winnard - HR DirectorLisa Winnard - HR Director

Lisa has held a number of operational roles within the business and joined the Executive team as HR&D Director in 2010. Lisa was voted ‘HR Director of the Year’ at the HR Directors Distinction Awards.

Lisa’s responsibilities are for implementing and contributing to TCF Outcome 1 – Culture.​​​​​​​

Julie Sadler - Chief Risk OfficerJulie Sadler - Chief Risk Officer

Julie joined SBG in May 2012, and took up the position of Operations Director in October 2012, and subsequently became SBG’s CRO in September 2015. Julie specialises in Financial Service Risk and Compliance management and has carried out Senior and Executive level positions at BBG, LBG, HML and TCC.

Julie is a fellow of the international compliance association and continues to support the development of professional qualifications for Risk and Compliance professionals. Julie’s responsibilities are for implementing and contributing to the following outcomes:

Outcome 1 – Culture - Outcome 2 – Product design - Outcome 3 – Product information - Outcome 4 – Suitable advice - Outcome 5 – Performance meets expectation - Outcome 6 – After sales & complaints