Our team consists of Foundation employees and associates who are passionate about our mission and values.

Antony Elliott OBE, FCIB

Antony founded the Fairbanking Foundation in 2008, which conducts research, provides advice and is the certification body for the Fairbanking Mark.

Prior to this he had spent over ten years as Group Risk Director of a major retail bank having worked for a number of UK and international banks previously.

He has been actively involved in researching the field of financial well-being since 2004 and has a large number of published reports in the area. His research includes the Centre for the Study of Financial Innovation report, “Fair banking – the road to redemption for UK banks” (2009), subsequently published as “Financial well-being components” in Social Indicators Research (2013) and he was lead author for the Money Advice Service report, “Transforming Financial Behaviour” (2010), examining the role of behavioural economics in improving financial capability.

Antony has a degree in Banking and International Finance from City University and a master’s degree in Operational Research from Imperial College, London. In 2014 he was awarded an OBE for services to bank customers.

Click here to see recent reports and articles Antony has authored….

David Coe
Chief Executive Officer

David is Chief Executive Officer of the Fairbanking Foundation. He leads the charity’s strategy to increase the coverage of its Fairbanking Marks scheme and the range and impact of its growing advisory and research activities.

Previously David was Interim CEO of WAGGGS, the global movement for Girl Guiding and Girl Scouting. Before that David was Executive Director of Abbeyfield International (independent living and care homes provider), Director General of the International Psychoanalytical Association, and Executive Director of Orbis (blindness prevention organisation). Here he led the organisational transition from ‘Flying Eye Hospital’ to land-based blindness prevention programmes. He has also worked extensively as a Consultant and more recently, as an Executive Coach working with many charities and for-profit organisations on major change.

Ivo Vlaev

Ivo is a Professor of Behavioural Science, Warwick Business School, University of Warwick. Ivo received his graduate education in psychology from the University of Oxford. Before coming to Warwick, Ivo worked at University College London and Imperial College London. He has published in peer-reviewed academic journals, book chapters and government reports.

Ivo’s research interests are human decision-making (also known as behavioural economics) in various domains (finance, health, environment, education, social). He also investigates innovative methods for developing and evaluating behaviour change interventions. Ivo co-authored of the famous UK Cabinet Office MINDSPACE report, which provides a framework for designing effective policy utilising the latest insights from the field of behavioural economics. The MINDSPACE framework is widely used across both local and central government and in the commercial sector. His consulting work with various public and private organisations is on applying behaviour change principles to change people’s decisions and improve their welfare.

Sureena Santos
Certification Director

Sureena joined Fairbanking in 2014 and is responsible for directing and managing the activities of the Fairbanking Mark Certification scheme.
Prior to this, she has spent 15 years in Retail Banking with roles in Marketing and Product Development. Her last role was at RBS where she was the first ever recipient of a 5 star Fairbanking Mark.

Trevor Barratt 
Quality Director

Trevor ensures both the independence and the quality of the Foundation’s activities.
He has spent his career in financial services with much of this time spent in mainstream retail and commercial banking. For several years he was the Head of Strategic Risk for a large U.K. financial institution, working within the Group Risk function, where he analysed and reported to the Group’s executive on the risks within the businesses strategies. Subsequently, he became the Chief Risk Officer for a third sector charity bank, before moving into the Executive Director – CRO for the Private Banking Group, where he remained until semi-retirement.
Trevor has an MBA (1998) and Postgraduate Diploma in addition to his banking qualifications. In 2011 he was awarded a distinction and outstanding achievement award for finishing first internationally by the International Compliance Association. Trevor has also completed the FT NED Diploma (2016).
Trevor is a Fellow of the International Compliance Association (ICA), and a member of the Institute of Financial Services (IFS).

Cosette Reczek 
Advisor, Training & Advisory Services

Cosette has over 30 years of professional experience, including senior executive leadership roles in a number of global and domestic banks including HSBC, Barclays, RBS, Deutsche Bank and Citigroup and consulting experience with PWC. Most recently, she formed and led her own advisory business, Permuto Consulting Limited, is a Form Tutor for the FT Non-Executive Director Diploma, and a Trustee and Chair of the Audit Committee of UNICEF UK.

She holds a BA in Mathematics and Computer Science and an Executive MBA from London Business School.

John Osborne

John has been a member of the team since 2008. An IT career of 30 years included developing possibly the 1st Internet trading platform, across 38 financial centres, delivering it through an innovative web based VR interface. His passion is the graphical support of bank customers in their engagement with behavioural economics and pursuit of financial wellbeing.