David Howard

David is a highly experienced leader in audit, risk, and compliance, with over 30 years in the Financial Services sector, having worked with or within all three lines of defence, advising Boards and Senior Management on internal audit, conduct regulation, and risk strategies to drive better customer and business outcomes.

Previously, David held senior roles at Lloyds Banking Group, including Head of Audit for Insurance and Wealth, where he oversaw audit planning and execution, stakeholder engagement, and third line support to multi-year transformation programmes, attending Board Committees and providing independent challenge and input. He led teams in the Internal Audit and Inclusion & Diversity Divisions, delivering strategic insight, regulatory risk oversight, and control effectiveness. Earlier, David worked for the Financial Conduct Authority and its predecessor, the FSA, managing teams supervising conduct and prudential risk strategies for banks, building societies, and asset managers.

David’s expertise is highly valued by Board Committees and SMF holders across risk, control, and internal audit teams, with deep industry knowledge and a reputation for delivering actionable insight to businesses.