1. HOWARD TRAFFORD
Home: - 01244 336297 Mobile: - 07970 516319
Email: - HITRAFFORD@aol.com
PERSONAL PROFILE
An accomplished Business Manager who has had senior responsibility for Business and Commercial functions
as well as key strategic programmes within the Financial Services industry. Has successfully managed
numerous long term Partnerships with 3rd
parties across varying products (predominantly Loans & Credit Cards)
and markets with accountability for financial & sales performance, strategy, stakeholder management and
contractual service provision.
SKILLS
• Relationship Management – A depth of experience and forensic approach to Partnerships and challenging whilst collaborative
style to drive value for both Parties. Managed Partners throughout the relationship cycle, from inception to exit giving me real
insight into Partnership strategy.
• Business Management – Developed a keen focus on the key components of Business management, specifically, financial
performance, people, sales/channel management and strategy.
• Leadership – Successfully led teams/projects/businesses to achieve defined objectives. Inspiring colleagues to collectively
deliver their individual tasks to meet to contribute to the overall target.
• Customer Focus – A passion for Customer Service (whether B2B or end user), the customer at the heart of the supply
process to ensure the customer is always front of mind so that satisfaction and advocacy is maximised. Exposure to 3rd
Party
brands in different markets such as J Sainsbury has given me a wider awareness of customer strategy in addition to Banking.
• Self-motivated & able to motivate others – I am very positive by nature and able to generate the best of the teams I have been
both part of and accountable for.
• Strategic thinker – Conceived and agreed to a senior level long term, strategic recommendations, interpreting internal and
external data/factors to drive strategic conclusions.
• Stakeholder Management – Significant experience of managing complex Stakeholder communications to achieve Executive
approval to underpin the launch of a Group Activity.
ROLES – RESPONSIBILITY & ACHIEVEMENT
2015 – Present. Head of Financial Institutions, CB Infrastructure. Responsible for Business Development in a New Start-up
venture. This is a strictly confidential program due to launch in 2017
2014 – 2015. Principal Client Manager, Sopra Steria. Responsible for Business and Sales Development in the Financial
Services division.
• Developed a real understanding of the Business/IT Out-sourcing market within Financial Services, specifically supporting
clients in their digital transformation journey.
• Secured a contractual relationship with a leading insurer through the supply of robotic technology
• Refined my existing relationship and sales management skills through a different commercial lens
2012 - 2014. Project Sand – Lloyds Banking Group’s (LBG) sale of its 50% shareholding of Sainsbury's Bank (SB) to J
Sainsbury's
• Completed the negotiation of the Transitional Contract framework to support disposal of LBG’s 50% share in Sainsbury’s
Bank.
• Delivered a tailored Service management model to manage the ongoing relationship including governance.
• Completed a comprehensive stakeholder assurance program to ensure Service Readiness across the Group for Day 1, which
included:-
 Over 100 Subject Matter Experts (SME’s)
 30 Service Owner’s
 20 Accountable Executives

2. • Completed a comprehensive online training package to ensure that all 2,200 colleagues providing services to SB have the
appropriate skills and knowledge to perform their role.
2010 - 2012. Project Verde – LBG’s EU mandated divestment of branches, customer accounts to the open market (under the
TSB brand)
• Supported as Business SME the development of the contractual exit strategy for the Verde programme
• Created and negotiated Transitional contracts for the disposal of 600+ branches to the market (Co-op were then the likely
contenders)
2005 - 2010. Head of HBOS/LBG’s Retail Partnerships
• Accountable for Sales & Marketing (to Retail Board) for the performance and relationship with Sainsbury’s Bank, AA Personal
Finance, GE Capital, Britannia Building Society & Shop Direct
• Leveraged Partner brand values and distribution channels over a long period to differentiate Financial Services propositions
• Consistently achieved the Business plan during 05/06/07/08, influencing all the drivers of profitability through maximising
existing relationships and new client acquisition.
• Lead role in the exit of the AAPFL Joint Venture in 2009. In conjunction with Retail Finance I represented LBG as the
business lead in the successful termination of the long standing Joint Venture (1.5bn balance sheet) with the AA.
• Agreed Strategic direction for all the Joint Venture's in 2008/09. Prior to the acquisition of HBOS by Lloyds I proposed a
revised direction for each Joint Venture and following significant internal stakeholder management, the proposal was approved
at board level.
• Re-negotiation of the Sainsbury's Bank (£3/4bn balance sheet) Joint Venture in 2006/07 which involved the complex
negotiation of a full suite of Banking products and services between the 3 parties and the delivery of a revised governance
model for the Joint Venture.
• Provided strong leadership in times of extreme uncertainty during the changing economic climate and the acquisition of HBOS
by LTSB.
2003 - 2005. Head of Halifax Employee Share Services (HESS)
• Accountable for HESS in its entirety which included Sales, Marketing, Operations & IT (250 colleagues) and the relationship
with over 200 Partners.
• Re-defined the Business & Client Acquisition Strategy in 2004. This was delivered through an improved working relationship
between the Sales team and central administration so that the overall business proposition and USP was far more aligned to
our capability and profit model.
• Achieved annual budget (Fee target of £4m) between 2003/2005 and initiated a growth strategy which incorporated an
inorganic aspiration. The latter concluded in the acquisition of a specialist Share Plan company based in Jersey.
• Consolidated two regional Sales teams into one National Sales team to ensure consistency in the sales process and roles and
responsibilities. 10% of the team were displaced.
1988 - 2003. Various (B2B) Sales & Business Management roles in CAPITAL BANK, Bank of Scotland and HBOS
QUALIFICATION
• BA Combined Studies (Maths, History), Liverpool University (1984 – 1987)