The Advisory Board
David Bowerman
Advisory
David is an experienced Financial Services leader having spent nearly 40 years in retail banking both in the UK and the US. Initially with RBS/Natwest and more recently with Citizens Bank in North America and Tesco Bank where he as COO his responsibilities included technology, operations, security, property and procurement .
He is also now working as a Non Exec Director supporting a number of smaller start up and scale up businesses across different sectors as well being a Trustee at a prominent Scotland wide charity.
Alan Hyndman
Advisory
With over 35 years experience in the Financial Services sector, Alan is an experienced IT Director and Consultant specialising in large scale technology transformations. During his career, he has successfully established and led complex IT functions, driving innovation and operational excellence principally within the retail banking sector.
More recently, he has leveraged his extensive experience in a consulting capacity, advising on strategic technology initiatives across the financial services and retail sectors. Alan brings a wealth of experience in digital transformation, change delivery, risk management and strategic IT governance to the advisory board.
Andrew Murphy OBE
Advisory
Andrew Murphy OBE is a widely respected retail executive and Board Advisor, whose distinguished career spans leadership roles in large-scale retail operations, transformation, technology, property and customer experience. Having served almost a decade on the Executive Committee of the John Lewis Partnership, during which time he also Chaired the Scottish Retail Consortium, was founding Chair of Essential Edinburgh and a Director of Business LDN, he left to take up a role as a Senior Advisor for Bain - prior to taking over as Group CEO of the UKs biggest toy retailer.
Recognised for his collaborative leadership style, strategic skill and commercial acumen, Andrew has been a leading figure in the UK retail industry for over 20 years.
Case Studies

Case Study
Open Banking Payment Services Directive 2 (PSD2)
Tesco Bank
CBS was engaged by Tesco Bank to bring project management knowledge and expertise for delivering a complex digital transformation within compressed timeframes, whilst at all times maintaining the highest levels of governance
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Case Study
Wilmington Trust Core Banking Platform Procurement
Wilmington Trust
Selection of core banking and payments platforms for US Bank entering UK market.
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Case Study
John Lewis Partnership –Customer Payments Review
John Lewis
Payments provider review for UK blue chip retailer.
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Case Study
Zego Risk Framework
Zego
Review and implement risk management frameworks for B2B and B2C fast growing European digital insurance company.
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Case Study
Part VII Preparation
Tesco plc and Barclays Bank UK
Review Part VII programme and preparation the remediate issues.
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Case Study
Back Book Migration
Sainsbury’s Bank exit from Lloyds Banking Group (LBG)
Loan product offboarding and associated service changes.
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Case Study
Fiserv, Agiliti, Software-as-a-Service Retail Banking Platform
Fiserv Inc
Support software developer in proposition development, delivery of software and implementation with clients.
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Case Study
M&T Bank – March 2023
M&T Bank
Lead a review of core banking platform contract and remediate issues.
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Case Study
John Lewis Financial Services Credit Card Migration
John Lewis
Providing industry insight to support in platform selection process.
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Case Study
Secure Trust Bank – Loan Product Offboarding
Supporting specialist bank in offboarding loan book.
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Case Study
John Lewis Partnership Payment Services Directive 2
John Lewis
Supporting a UK blue chip retailer respond to changes in e-payment regulations.
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Case Study
Our Clients
From Global Banks to Mutuals and Credit Unions.
Investment & Wealth Managers to Insurance providers.
Retailers, Fintechs and Public Sector.
For 20 years some of the UK's strongest brands have worked with CBS as their Trusted Change Partner.