Phil Lloyd

Managing Director and Head of Non-Bank Financial Institutions within the Commercial & Institutional business at NatWest.
The Non-Bank Financial Institution role brings together all our institutional customers across NatWest Group’s product offering into one franchise. Responsibilities include managing and leading the strategy, customer outcome and performance for the bank. Sector coverage across Asset Managers, Brokers, Insurance, Pension Funds, Speciality Finance and Wealth Managers.

Phil has over 20 years’ experience in Fixed Income Markets having specialised in Regulation and Market Structure change that impacts how the sell side engages its client base, with the only constant being change.

He's experienced in leading customer sales strategy and front-to-back delivery across both sales and trading. Phil has a track record of bringing together content-led customer engagement, customer analytics, managing the blurred lines between high/low touch coverage, automation developments and key customer relationship management for the largest global accounts. Additional leadership experience in delivering strategy and execution of major Market reforms such as BREXIT, MiFID II, EMIR and GBP LIBOR transition.

Phil’s focus and passion is customer engagement around the ever changing market structure and regulatory world with experience across coverage, sales, regulatory delivery and strategy both micro and macro with a view to offer the best product and customer service to customers. Extensive engagement with market participants within industry groups and regulators alike as we aim to stay ahead of market developments and new risks to our system.

He has a Masters in Economics, from the University of Nottingham.

Phil joined the bank in October 2002 and has been in his current position since January 2023.


Tel: +44 (0)20 7085 1271

Mobile: +44 (0)7788 417917 

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