Strategic Report
Financial Statements
Governance
73
PLC committees
JRL and PLACL Committees Audit Committees Investment Committees Committee Chair
Group Audit Committee Remuneration Committee Market Disclosure Committee
Nomination and Governance Committee Group Risk and Compliance Committee Committee Chair
SENIOR INDEPENDENT DIRECTOR
NON-EXECUTIVE DIRECTORS
Mary Phibbs SENIOR INDEPENDENT DIRECTOR
James Brown (known as Jim Brown) INDEPENDENT NON-EXECUTIVE DIRECTOR
Michelle Cracknell INDEPENDENT NON-EXECUTIVE DIRECTOR
Appointed: 1 November 2023 (1 year)
Appointed: 5 January 2023 (2 years)
Appointed: 1 March 2020 (5 years)
CAREER AND EXPERIENCE Mary has more than 40 years of international business, retail and corporate finance, risk management, advisory and board experience in various countries. Previous UK and overseas board experience includes serving as Chair of Virgin Money Unit Trust Managers Limited, and a Non-Executive Director of Morgan Stanley & Co International plc, Novae Group plc, New Day Group Limited, Friends Life Group plc, and the Charity Bank Limited. Mary has held senior positions at Standard Chartered Bank plc, ANZ Banking Group, National Australia Bank, Commonwealth Bank of Australia, and PricewaterhouseCoopers LLP. Mary currently serves on the Board of the Institute of Chartered Accountants for England and Wales. She is also a Non-Executive Director of The Canada Pension Plan Investment Board (CPP Investments) in Toronto, and is Chair of its Risk Committee. SKILLS AND COMPETENCIES • Extensive experience in financial services including retail, insurance and investment management sectors • Strong experience of financial, accounting, risk management and internal control matters • Chartered Accountant (ACA, FCA) • Fellow of the Institute of Chartered Accountants in England and Wales • Fellow of the Institute of Chartered Accountants in Australia and New Zealand
CAREER AND EXPERIENCE Jim has considerable corporate finance, restructuring and mergers and acquisition experience, and has worked within the financial services industry throughout his career, latterly within the Retail and Commercial banking sector. Jim was appointed as a Non-Executive Director of Secure Trust Bank plc on 31 March 2024 and as Chair on 16 May 2024. He was Chief Executive Officer of Sainsbury’s Bank plc and a member of the Sainsbury’s Group Operating Board until his retirement from such roles at the end of March 2024. Prior to this, Jim was Chief Executive Officer of Williams and Glyn between 2015 and 2017 and Chief Executive Officer of Ulster Bank in Northern Ireland and the Republic of Ireland from 2011 to 2015. Internationally, Jim has held a number of senior roles in Asia, Australia and New Zealand, including Chief Executive Officer of Retail and Commercial Banking, Asia and the Middle East for RBS and ABN AMRO. SKILLS AND COMPETENCIES • Extensive experience of corporate finance, restructuring and mergers and acquisitions • Highly competent in change management • Certified Bank Director
CAREER AND EXPERIENCE Michelle brings a wealth of strategic and customer behavioural experience, having spent over 30 years in senior roles in the regulated financial services industry. Michelle was Chief Executive Officer of The Pensions Advisory Service from 2013 to 2018. Prior to that, she held Director roles in advice firms, pension providers and insurance companies. In addition to Just Group, Michelle is a Non- Executive Director and Trustee of Lloyds Banking Group Pension Funds, Chair of FIL Wealth Management Limited, Non-Executive Director of FIL Holdings Limited and Financial Administration Services Limited. Michelle is also a Non-Executive Director and Chair of the Audit and Risk Committee of PensionBee Group plc, and a Non-Executive Director of Sport England and Chair of its Audit and Risk Committee. She is a Trustee of the charity, Orthogeriatric Research Fund. SKILLS AND COMPETENCIES • Broad knowledge and understanding of employee benefits • Extensive experience in later life benefits and regulated financial services • Chartered Actuary (Fellow)
CURRENT OTHER LISTED DIRECTORSHIPS Secure Trust Bank plc
CURRENT OTHER LISTED DIRECTORSHIPS PensionBee Group plc
KEY INTERNAL DIRECTORSHIPS • Director of Just Retirement Limited • Director of Partnership Life Assurance Company Limited
KEY INTERNAL DIRECTORSHIPS • Chair of Just Retirement Money Limited • Chair of Partnership Home Loans Limited • Director of Just Retirement Limited • Director of Partnership Life Assurance Company Limited • Director of HUB Financial Solutions Limited
CURRENT OTHER LISTED DIRECTORSHIPS None
KEY INTERNAL DIRECTORSHIPS • Director of Just Retirement Limited • Director of Partnership Life Assurance Company Limited • Director of Just Retirement Money Limited • Director of Partnership Home Loans Limited
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