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Clifford joined Virgin Money as Group CFO in March 2021, with responsibility for finance, treasury, investor relations and corporate finance.

Prior to joining the business, Clifford was Group CFO at ABN AMRO Bank having joined in that role in 2017. Previous roles include Group CFO at the Dutch insurer Delta Lloyd Group, ten years at Aviva in several senior finance roles including CFO of Aviva Investors, CFO of UK & Ireland Life Insurance and CFO of UK & Ireland General Insurance. In the early part of his career Clifford spent twelve years at Morgan Stanley in the Financial Institutions Group (FIG), most latterly as Managing Director.

Clifford holds an MBA from Wharton Business School and an MA in Economics from Cambridge University.