Our Board

Lord Leitch joined the Lloyds TSB board in 2005. He held a number of senior general management appointments in Allied Dunbar, Eagle Star and Threadneedle Asset Management before the merger of Zurich Group and British American Tobacco’s financial services businesses in 1998. Subsequently served as chairman and chief executive officer of Zurich Financial Services UK, Ireland, South Africa and Asia Pacific, until his retirement in 2004.

He was also Chairman of the government’s Review of Skills and deputy chairman of the Commonwealth Education Fund and Chairman of BUPA and Intrinsic Financial Services Non-executive director of Paternoster and United Business Media. He also served as a Former chairman of the National Employment Panel.

Norval Bryson was appointed to the board of Scottish Widows in October 2005 as a non-executive director. From 1974 to 2001 he worked at Scottish Provident, fulfilling various roles including pensions manager and investment manager before becoming a Director in 1991. Norval is married with three adult children.

Qualifications

• University of St Andrews - BSc (Hons) Pure Mathematics 1st Class
• University of Oxford - MSc; D.Phil
• The Open University - BA (Hons) Humanities with Classical Studies 1st Class; Diploma in the European Humanities; Diploma in Classical Studies
• Fellow of Faculty of Actuaries - 1977

Other Directorships currently undertaken are: St Columba’s Hospice - Governor, Chairman of Investment Committee, Member of Audit Committee; Church of Scotland Investment Trust - Trustee.

Phil Loney was appointed Managing Director of Life, Pensions & Investments in February 2010. Prior to this, he was Managing Director at Lloyds TSB General Insurance for seven years responsible for delivering economic profit growth. Phil has over 21 years experience and started his career as a Lloyds Bank Graduate Trainee in 1986 and has been a non-executive Director of Scottish Widows Group Board since January 2009.

Phil was previously Chief Operations Officer at AXA Life, where he was responsible for delivery of all aspects of customer service through 2,000 staff servicing 4 million customers. His earlier roles included: Director, Corporate Sales at Norwich Union, Managing Director Direct Business at CGU Insurance and Sales & Marketing Director at Saga Services Ltd.

Qualifications

• BA Hons – Economics – Durham University

Married with two teenage daughters and lives in Bristol. He is a keen Chelsea supporter and a youth worker in his Church.

Jeremy Goford was appointed to the board of Scottish Widows in November 2007 as a non-executive director. Jeremy began his career with Equity & Law in 1966 and then joined Tillinghast in 1973 at its foundation. He held a number of senior appointments in Tillinghast at various times between 1973 and 2004. During these times, he also held roles in Skandia Life and Barclays Financial Services. Jeremy was the President of the Institute of Actuaries from 2002 to 2004.

Qualifications

• Christ Church College, University of Oxford MA (Hons) Mathematics.
• Fellow of the Institute of Actuaries - 1971

Jeremy is also a non-executive director of Paternoster UK Ltd.

Andy Briggs was appointed Managing Director of Scottish Widows on the 19th January 2009. Prior to this, he was Managing Director, Marketing and Distribution responsible for the Scottish Widows P&L and market strategy, covering all Distribution, Product Development, Product Management, Brand and Marketing. He was appointed to the Scottish Widows Group Board in January 2007.

He was previously at Prudential for 19 years, where he was latterly Chief Executive of the Retirement Income business. His earlier roles included UK Distribution Director, Marketing Director and he held a number of positions in Customer Service, Actuarial and Finance.

Qualifications

• BSC (Hons) – Mathematics and Operational Research – Southampton University
• Fellow of Institute of Actuaries

Married, with 3 children, Andy enjoys travelling, golf, rugby and work with the NSPCC.

Archie Kane was appointed Group Executive Director, Insurance and Investments at Lloyds TSB Group plc on 1 October 2003. On the same day he was also appointed Chief Executive of Scottish Widows.

Archie was appointed to the main board of Lloyds TSB Group on 1 January 2000 as Group Executive Director, IT & Operations for Lloyds TSB. Prior to this, on 1 January 1997, he was appointed as Director of Group IT and Operations at Lloyds TSB. He was responsible for the overall development of Group IT Strategy, the management of Central Service IT, Operations and Systems Development, covering inter alia the core Lloyds TSB Bank systems. He was also responsible for Group Operations, Group Property Services, Group Business Transformation and the Bank's Group Property Portfolio.

Archie has been with the bank since 1986 and in 1989 was appointed to Director of Financial Control for the Retail Banking Division. Before joining TSB, Archie had already enjoyed a successful career outside banking culminating as Finance Director of BT Yellow Pages Sales Division. He has also spent several years abroad, working in most Northern European countries, Africa and the United States.

Archie is Chairman of the Association of British Insurers (since 2007) and a member of the Takeover Panel, HM Treasury's Retail Financial Services Group and the Chancellor of the Exchequer's Financial Services Global Competitiveness Group.

Qualifications

• Bachelor of Accountancy (BACC) Glasgow University
• Chartered Accountant (CA) Scottish Institute
• Master of Business Administration (MBA) Cass Business School, London
• Advanced Management Programme at Harvard University Business School

Married with 2 children. Recreation - golf, tennis and skiing.

Kerr Luscombe joined Lloyds Banking Group in April 2010 and was appointed Finance Director of Life, Pensions and Investment (UK) within the Insurance Division of the Group.

Kerr is an actuary and joined the group from Pearl in Glasgow where he was General Manager. Previously he was Finance Director of the life businesses at Abbey (now Santander) then Resolution and led the business through successive acquisitions, disposals and financial restructuring and has held a variety of roles within his 24 years in the industry.

He is responsible for leading the finance, actuarial, strategic and planning functions of the business.

Qualifications

• BSc in Mathematics (First Class Hons) – University of Strathclyde (1986)
• Fellow of Faculty of Actuaries (1991)