Executive team

Charter Court Financial Services is led by a highly experienced senior management team. Our robust governance structure includes an independent Risk Function, and independent industry respected non-executive directors serve on the group board.

Chief Executive Officer

Ian Lonergan

Chief Executive Officer

Ian Lonergan

As CEO and co-founder of the business, Ian leads the senior team and is responsible for delivering the Group strategy, ensuring risk management is a core focus and setting the values and standards to which employees work. He has over 20 years of experience in financial services, focusing mainly on strategy, financial analysis and management functions. Ian qualified as a Chartered Accountant with Ernst & Young where he worked in the Financial Services Practice as both an auditor and a management consultant in Europe and the Asia Pacific region.

Chief Financial Officer

Sebastien Maloney

Chief Financial Officer

Sebastien Maloney

In his role as CFO, Sebastien has executive responsibility for all aspects of finance, including the production of management and statutory accounts, financial planning and analysis, corporate finance, treasury operations, capital markets activities, and asset/liability management. He previously held senior roles at Merrill Lynch, GMAC-RFC and Morgan Stanley, working in a range of roles focusing on portfolio valuation analytics, financial planning and liability management through to mortgage securitisation structuring and sales.

Chief Risk Officer

Peter Elcock

Chief Risk Officer

Peter Elcock

Peter is responsible for the risk, legal and compliance teams. He has over 38 years of experience in financial services, having held a number of senior positions in financial institutions, including 27 years at Barclays plc in a variety of roles and most latterly at director level leading risk management strategy and change. He also held the role of Chief Risk Officer at Coventry Building Society.

Managing Director

Alan Cleary

Managing Director

Alan Cleary

As Managing Director at Precise Mortgages, and a co-founder of the business, Alan is responsible for product development, marketing, and mortgage originations.

Alan has worked in the mortgage industry for over 25 years. He was Head of Sales at BM Solutions from inception in 2001 to 2005 when he became Director of Halifax Intermediaries, the largest intermediary mortgage brand in the UK at the time.

Director of Savings

Paul Whitlock

Director of Savings

Paul Whitlock

With over 20 years of UK and international experience in the retail banking industry, including senior positions at First Direct, HSBC, OneSavings Bank and Shawbrook Bank, Paul has extensive experience delivering banking products to the consumer market. He brings specialist knowledge of the savings market and is responsible for all aspects of Charter Savings Bank’s savings strategy, products, propositions, sales, distribution and operations.

Chief Operating Officer

John Nixon

Chief Operating Officer

John Nixon

As a co-founder of the business, John led the development and launch of Precise Mortgages’ origination platform and Exact’s mortgage servicing platform, ensuring these business units deliver compliant service excellence.

John has over 25 years financial services industry experience, including 17 years at HBOS group where he held the role of Director of Mortgage Operations at Birmingham Midshires and also Director of New Business at The Mortgage Business. He has a proven track record in defining step changes in mortgage processing and servicing strategies, along with IT platform delivery.