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Tim Carter is an experienced consultant currently leading the transformation of risk operations at Virgin Money since July 2023. With a robust background in senior leadership, Tim previously served as Director of Distribution & Operations at Nationwide Building Society, overseeing a team of approximately 2,500 across various sectors, including Mortgage Advice and Contact Centres. Tim's extensive experience includes key roles at major institutions such as Barclays, Banco Santander, and Alliance & Leicester, where responsibilities ranged from enhancing profitability across branch networks to implementing strategic planning initiatives. Tim’s career also includes management positions at Shop Direct, Waterstones, and The Body Shop, showcasing a strong portfolio in retail and operations management. Educational background includes attendance at Ampleforth College.