Our Team
Antony Elliott FCIB spent over 10 years as Group Risk Director of Abbey National plc having worked for a number of UK and international banks previously. He had overall responsibility for the control of consumer credit risk throughout this period.
After he left in 2003, he researched and produced a report on why people get into too much debt. Entitled, ‘Not waving but drowning: over-indebtedness by misjudgement’, it was published by the Centre for the Study of Financial Innovation in 2005 and was widely discussed at the time. The research and education based charity, FairBanking, was founded by him in 2008. It has commissioned research into the link between a person’s money management and their level of contentment or financial well-being. The research has been developed to consider the implications for banking products and services. Antony wrote the report, which was jointly published with the CSFI in 2009 (Fairbanking: the road to redemption for UK banks) and the research was developed further in the report: ‘Fairbanking
ratings: socially useful banking’ (2010). In addition, he was lead author of the report for the Consumer Financial Education Body published in July, entitled “Transforming Financial Behaviour”.
He received a BSc in Banking and International Finance from City University and an MSc in Operational Research from Imperial College, London.
Liz Clarke
• Executive (Barclays Bank) and consultant (major UK FIs) on consumer credit solutions
• Designed database decision making tools for credit, pricing and complex relationships
• BSc Mathematics, Operational Research, Statistics and Economics, Warwick University
Martin Campbell
• Financial marketer focused on product research & development at Norwich Union
• Founder member of Virgin Direct management team, responsible for product design & PR
• Independent consultant to Pensions Policy Institute, Zopa, Google, Virgin Money and others
John Osborne
• IT Executive (Sun Microsystems and Fusion Systems) serving financial institutions
• Web services innovator: founded Parable Technologies supporting web-based virtual reality
• Designed user interfaces for innovative consumer banking and financial management products
George Guernsey
• Bank executive (First Chicago strategy and finance) and advisor (Towers Perrin Europe)
• Entrepreneur: insurance investment bank, market intelligence service, banking products
• BA Economics and Political Science, Yale University; MBA Finance, Wharton
Ivo Vlaev
• Senior Lecturer in behavioural sciences at Imperial College, London
• Extensive investigation of human judgement and decision-making involving risk
• DPhil (PhD) Experimental Psychology, University of Oxford (and St John’s College)
