Skip to Content
Karin Cook

Karin Cook

Independent Non-Executive Director

Appointed:

25 August 2025  

Committee membership: 

Risk Committee and Sustainability Committee 

Career and experience:

Karin has over 30 years’ experience in financial services. Her experience spans over retail, commercial and investment banking as well as financial advice, wealth management and insurance. Karin brings customer-focused, digital, operational and transformation experience gained from a number of leadership roles.   Most recently, Karin was Chief Operating Officer of Quilter plc and prior to this, she held a number of senior executive roles at Lloyds Banking Group plc including Director of Group Operations/Services and Chief Operating Officer – Commercial Banking as well as at HSBC Bank plc, which included Global Chief Operating Officer – HSBC Private Bank and Global Head of Derivative Operations – Global Banking. Karin’s Non-Executive Director (‘NED’) experience includes NED of NatWest Holdings Limited (holding company of NatWest Group’s ring-fenced operations including its retail, commercial and wealth businesses) and NED of Phoenix Group’s Life Companies1 and SunLife Limited. 

Karin has a commitment to diversity, equity and inclusion and has been recognised in the LGBT Great’s Top 50 Executive Allies, the FT OUTstanding LGBT Role Model list and was named Stonewall Champion of the Year.

Key skills and competencies:

  • Deep knowledge and understanding of Phoenix Group’s Life Companies, providing insight and perspective to Group Board discussions and adding value as a NED of the Group and Life Companies, whilst maintaining her independence.  
  • Knowledge of running large global operational and technology teams, delivering major strategic change, including technology-enabled programmes and transformations, which supports the strategic objectives of Phoenix Group.  

Current external appointments:

  • NED of NatWest Holdings Limited 
  • National Westminster Bank Public Limited Company and The Royal Bank of Scotland Public Limited Company (neither of which are UK listed).