{"people":[{"name":"Liz Buckley","jobTitle":"Independent Non-Executive Chair of the Board","image":{"src":"/media/odbhcj23/liz.jpg?rxy=0.2585735586481113,0.40062403357631987&width=1240&height=950&format=webp&quality=100&v=1dc64f8e337e370","alt":"Liz"},"content":"

Liz is an independent Non-Executive Director and Chair of the Boards of Tesco Personal Finance Group Limited, Tesco Personal Finance Limited and Tesco Underwriting Limited. Liz joined the Tesco Personal Finance Group Limited and Tesco Personal Finance Limited Boards in December 2021 and the Tesco Underwriting Board in April 2024. She was appointed Chair of all three boards on 1 November 2024.

She has worked in financial services for over 30 years and has deep expertise in long term savings, life insurance and general insurance markets covering retail customer proposition development, product design and pricing. In addition to this she brings many years of large-scale change and transformation experience. Liz is the former Group Transformation Director of Direct Line Group (‘DLG’) where she led group strategic projects including the organisation’s shift to agile ways of working. Before joining DLG, Liz was the Global Products Director for HSBC’s insurance businesses and a member of HSBC’s Group Insurance Executive Committee.

Liz sits on the Board of Saol Assurance DAC (Dublin) where she is Chair of the Board Risk Committee. She is also a member of the Oversight Board at Hymans Robertson LLP and a Non-Executive Director of Prudential Assurance Company UK. Previously Liz was a senior external adviser for agile transformations with McKinsey & Company.

Liz is a Fellow of the Institute and Faculty of Actuaries and holds a first-class MBA from University College Dublin.

"},{"name":"Caroline Ramsay","jobTitle":"Independent Non-Executive Director and Chair of the Board Audit Committee","image":{"src":"/media/kvcgwsjf/caroline.jpg?width=1240&height=950&format=webp&quality=100&v=1dc64f916d0f6e0","alt":"Caroline"},"content":"

Caroline is an independent Non-Executive Director. She joined the Boards of Tesco Underwriting in 2016 and Tesco Personal Finance Group Limited and Tesco Personal Finance, both in November 2024. She chairs the Board Audit Committees of Tesco Underwriting Limited and Tesco Personal Finance Limited.

She has previously been UK Chief Financial Officer and Group Chief Internal Auditor for RSA. Prior to this, she held a number of senior finance roles at Aviva after spending the first 12 years of her career at KPMG, where she qualified as a Chartered Accountant in 1984. In June 2015, Caroline retired from her role as Group Chief Internal Auditor at RSA Group to develop her non-executive portfolio.

Caroline is currently a member of the Board of Pensions and Investment Group Aegon Limited, where she chaired the Audit Committee for three years and now chairs the Risk Committee. She is also Audit Committee chair at Lloyds Insurer Brit Syndicates Limited. Caroline has also been a member since 2015 of the Financial Conduct Authority’s Regulatory Decisions Committee and the Payment Systems Regulator’s Enforcement Decisions Committee.

Caroline is a Chartered Accountant with 29 years’ experience in insurance and investment management gained during her career in finance and audit.

"},{"name":"Margot Cronin","jobTitle":"Independent Non-Executive Director and Chair of the Board Risk Committee","image":{"src":"/media/cl1jmybd/margot.jpg?rxy=0.16592113982770046,0.340622929092114&width=1240&height=950&format=webp&quality=100&v=1dc64f9cad89c60","alt":"Margot"},"content":"

Margot is an independent Non-Executive Director. She joined the Boards of Tesco Underwriting Limited in September 2018 and Tesco Personal Finance Group Limited and Tesco Personal Finance Limited, both in November 2024. She chairs the Board Risk Committees of Tesco Underwriting Limited and Tesco Personal Finance Limited.

She has worked in financial services for over 30 years and has experience in both general and life insurance in multiple markets including UK, USA, Europe and Asia. She spent 19 years with Aviva where her roles included CEO in Hong Kong, COO in the USA as well as a number of senior strategy and business development roles in different markets. She was a member of Aviva's regional executive team in Asia and North America and was a member of several boards throughout the group.

Margot is a Non-Executive Director of Prudential International where she chairs the Nomination and Remuneration Committee and is the Board Chair of TransUnion's UK business.

Margot holds a masters degree in insurance and risk management from City University, London and is a Fellow of the Institute of Chartered Directors.

"},{"name":"Gary Reader","jobTitle":"Independent Non-Executive Director","image":{"src":"/media/4tgppy4h/gary.jpg?rxy=0.17538042433667364,0.37370707590287633&width=1240&height=950&format=webp&quality=100&v=1dc64fa2c2c3ad0","alt":"Gary"},"content":"

Gary is an independent Non-Executive Director. He joined the Board of Tesco Underwriting Limited in January 2025.

He has significant experience working within financial and professional services. He worked at KPMG for 37 years where he was Global Head of Insurance and then Global Head of Clients and Markets. Gary was also a member of KPMG’s Global Management team.

Gary is a Non-Executive Director at Park Indemnity Limited, KPMG Island Group, Casualty and General Insurance (Europe) Limited and Dylogic (trading as After Cloud, which is a technology start-up company). He is also an advisor to Malawi based fintech company, Mbora.

Gary has a BSC Hons in Business Studies and is a Chartered Accountant.

"},{"name":"Jonathan Greenwood","jobTitle":"Independent Non-Executive Director ","image":{"src":"/media/yykfzb3s/john.jpg?rxy=0.30916308991036695,0.45032839625845794&width=1240&height=950&format=webp&quality=100&v=1dc64fb936f8340","alt":"John"},"content":"

Jon is an independent Non-Executive Director. He joined the Board of Tesco Underwriting Limited in September 2025.

He has over 35 years’ experience working in financial services. He was previously Chief Executive Officer at Direct Line Insurance Group where he worked for over 20 years and had a number of senior roles including Director of Product and Pricing, Managing Director Home Pet and Travel, Managing Director Commercial Insurance and Group Commercial Director. Jon has had broad experience of business leadership which has included growth and transformation activity, involvement in M&A work and extensive investor, regulatory and stakeholder relationship management. He has also worked at MBNA, Pinnacle and Halifax Building Society and was a member of the Association of British Insurers.

Jon is a Non-Executive Director of Wrisk Transfer Limited.

"},{"name":"Julie Currie ","jobTitle":"Independent Non-Executive Director","image":{"src":"/media/4gvabyqu/julie.jpg?rxy=0.5457760140644757,0.46559376562315147&width=1240&height=950&format=webp&quality=100&v=1dc64fbbcb6ae90","alt":"Julie"},"content":"

Julie is an Independent Non-Executive Director and Chair of the Board Remuneration Committee. She joined the Boards of Tesco Personal Finance Group Limited, Tesco Personal Finance Limited and Tesco Underwriting Limited in October 2025.

As an Executive, Julie held senior roles in the financial services and social sectors, including 18 years at Lloyds Banking Group. Julie completed her Executive career in 2017 as the Chief Financial and Operating Officer for the Lloyds Bank Foundation for England and Wales, the largest corporate foundation in the UK.

Julie currently sits on the Board of State Street Investment Management Limited and Space Solar Holdings Limited, a UK renewable energy technology company. Prior non-executive roles include 6 years as Board Director and Chair of Audit Committee for Scotiabank Europe plc and 4 years on the Board of the UK Government Department for International Trade, where she established and chaired the Audit and Risk Committee, in the lead up to the UK leaving the EU. Julie was a Non-Executive Director and Chair of the Board Audit Committee of Tesco Bank from February 2021 until November 2024.

Julie is a Chartered Accountant.

"},{"name":"Craig Bundell","jobTitle":"Chief Executive Officer ","image":{"src":"/media/2wppmvfh/craig.jpg?rxy=0.25575422652127483,0.3527565785827121&width=1240&height=950&format=webp&quality=100&v=1dc64fb2620e090","alt":"Craig"},"content":"

Craig is Chief Executive Officer and an Executive Director. He joined the Boards of Tesco Personal Finance Group Limited, Tesco Personal Finance Limited and Tesco Underwriting Limited in July 2025.

He has over 20 years’ experience across the financial services industry. He joined Tesco Bank in 2023 having previously held the role of Motor Director: Commercial, Digital & Marketing at Hastings Insurance. Before taking up the role of Chief Executive Officer at Tesco Insurance and Money Services (‘IMS’) he was Chief Banking Officer at Tesco Bank and then became Future Partnerships & Money Services Director at IMS.

During his executive career, Craig has held senior roles in Banco Santander SA and TSB Banking Group plc.

Craig has an MSc in Management & Finance and a BA in Economic History.

"},{"name":"Gillian Cass","jobTitle":"Chief Financial Officer","image":{"src":"/media/2q3mo24o/gillian.jpg?rxy=0.2609505028696436,0.35968504905357096&width=1240&height=950&format=webp&quality=100&v=1dc64fae8be75f0","alt":"Gillian"},"content":"

Gillian is Chief Financial Officer and an Executive Director. She joined the Boards of Tesco Personal Finance Group Limited, Tesco Personal Finance Limited and Tesco Underwriting Limited in November 2024.

She has over 20 years’ experience across the financial services industry. Most recently, Gillian was the Group Chief Financial Officer for Wesleyan Assurance Society. Prior to this, Gillian was the Chief Financial Officer of Customer Savings & Investments and Operations at M&G plc having been part of the IPO from Prudential plc.

During her executive career, Gillian also held a number of senior finance roles in Aviva plc including Chief Accounting Officer of UK Life, Aviva Investors, and Director of Global Finance Operations.

Gillian is a Chartered Accountant, qualifying during her time with PwC.

"}]}

Tesco Underwriting Limited Board