WASCU AGM 2021 – Come and join in!

All members of Wiltshire and Swindon Credit Union are invited to our Annual General Meeting on Wednesday 24th March 2021 between 10.00am and 12.00pm.


If you would like to attend, please register by clicking the button below.  Registration is free.  Simply enter your First Name, Last Name, Email & Membership Number.  You will receive a confirmation email immediately, from Jackie Littlewood at ABCUL, with a link to join the meeting.

At the AGM we will give you a report last year’s business, as well as our plans for the future. It’s your opportunity to influence those plans, and to vote for the members of the board to who will try to make the plans a reality.


Normally, we offer refreshments at the AGM… obviously we can’t do that this year. Instead we will have a few quiz questions with £50 of prizes awarded during the meeting. These questions will be credit union related, and you have to be at the meeting to be in with a chance of winning.

Documents for the 2021 AGM

Elections to the Board


The following people are offering themselves to be elected as members of the board.

Clive Henly

Clive joined the board of North Wiltshire Credit Union in 2014 and became Chair of Wiltshire and Swindon Credit Union in 2017, following the merger with South Wiltshire and West Wiltshire Credit Unions.  He has worked for over 30 years as a business change manager for various banks and financial companies, with responsibilities varying from the introduction of new products to the management of operational changes.  In 2021 he was appointed as a director of ABCUL, the Association of British Credit Unions Limited (the principal “trade body” for UK credit unions). In his spare time he enjoys undertaking historical research, with a special interest in the early modern period of rural Wiltshire.

Steve Purcell

Steve joined the WASCU board in April 2020. Steve is currently a board member of one the UKs largest privately owned Facilities Management companies. In his career he has held senior Positions in some of the most well-known organisations in Europe. In his spare time, he enjoys spending time with his family and following the mixed glories of Swindon Town Football Club

Nick Gallop

Nick had a career working in the IT industry, mostly in European marketing roles. For the last 15 years he worked in marketing technology financing: how to make commercial IT investments more affordable. He’s been interested in money and providing access to it for businesses, for some time. From there it seemed a natural step to join the credit union to improve financial services for people, rather than businesses. He became a WASCU director in November 2020, responsible for business development. In this role, he works to build our portfolio of services, and build our partnerships with charities. Offers help to make the credit union more relevant to more people, while partnerships help us to reach new groups of people.

Sue Moffatt

Sue joined the WASCU Board in October 2020. She has a Masters in Business Administration and is a Fellow of the Chartered Institute of Procurement & Supply.  Sue  has over 30 years’ experience in both private and public sector in senior commercial and operational roles and as a charity trustee, including Audit Committee experience.   With a keen interest in ensuring communities have access to community based,  affordable financial services, she hopes to use her experiences to  ensure that WASCU has an appropriate approach to Risk and Governance and support the changing needs of the organisation going forward.

Kirsty Scarlett

Kirsty Scarlett joined the board in February 2021 and has responsibility for communications and community development.  She grew up in a village in Berkshire, then studied and lived in Edinburgh for 10 years working as a senior portfolio manager with investment firm Brewin Dolphin. After a brief career break to start a family and a move back to England she has lived in Devizes, Wiltshire for the last 18 years.  Kirsty has worked with the Wiltshire and Swindon voluntary sector for 16 years providing grants and development advice for charities and most recently worked as communications manager for Wiltshire Community Foundation.  In 2017 she moved back into the business world to establish a new programme of community outreach for Wessex Water as Head of Community Engagement.

Sam Selman

Sam was a founding member of West Wiltshire Credit Union and its Chairman until its merger with Wiltshire and Swindon Credit Union in 2016.  Since the merger Sam has continued to co-ordinate the volunteers and collection points in the area.  He brings with him a wealth of experience in credit unions and community work.

Supervisory Board


The Supervisory Board works alongside the main board of the credit union, ensuring that the activities of the organisation are managed properly, and that it follows all relevant rules and regulations.  The Supervisory Board is elected annually en-bloc at the Annual General Meeting, in the same way as the main board.


The following people have offered their services to serve on the Supervisory Board of Wiltshire and Swindon Credit Union:

Stefan Ward

Stefan Ward joined the Credit Union in August 2020 and has been responsible as the Chair of the Supervisory Committee since October 2020. He grew up in the far North East of Scotland just outside John O’Groats, and after a period in the RAF, he then studied Risk Management at University in Glasgow.

He has worked in a variety of industries but primarily Financial Services including Banking, he has a strong knowledge and understanding of risk gained from over 30 years in the discipline. His expertise covers all facets of risk including – Financial Crime, Compliance, Financial, Operational and Credit Risk giving him a unique perspective on retail banking and the UK payments industry.


Most recently he completed a 12-month assignment as Chief Risk and Compliance Officer for the first Clearing Bank set up in the UK in 250 years. Which is both wholly digital, cloud based and focused on payment resilience which involved working closely with UK Financial Services regulators.


Now running his own consultancy, he lives with his family in the Cotswolds,
He remains an active Member of the Institute of Risk Management.

Cindy Chak

Cindy joined the Credit Union in February 2020 and has been a member of the Supervisory Committee. Her voluntary role as an internal auditor in the Credit Union is to undertake regular checks of the credit union’s processes and financial controls to ensure the organisation maintains the highest quality in the way it manages its members’ finances.

Prior to relocating to the UK in 2019, she was an internal auditor working on a variety of government audit assignments for the Ministry of Social and Family Development in Singapore. As an associate member of CIPD, Cindy had a career spanning more than 5 years of working in HR Advisory and finance roles before she made a foray into internal audit. She is ACCA part-qualified and has a broad experience in delivering strategic functions for audit, finance and HR with a proven background of success in auditing internal and financial controls. Her achievements include implementation of quality and HSE management systems and processes which met the audit requirements for organisations to obtain their ISO 9001:2015, OHSAS 18001:2007 and bizSAFE Level 5 certifications. She currently supports the civil service in her day job.

Chet Shah

Chet has worked in financial services all his working life and has held senior positions in Internal Audit with Royal Bank of Scotland (RBS) and Nationwide Building Society. At RBS, he led a team providing assurance over key controls around conduct risk, corporate governance and financial crime. He was also fortunate to spend time embedding common working practices in RBS’ New York, Singapore, Hong Kong and Chennai offices. He was an Audit Director with Nationwide based in Swindon where he and his team provided the outcomes of assurance testing to the Executive to ensure Nationwide remained a safe and sustainable firm for the benefit of its Members. Lately, he has been working for a FinTech helping them build and embed an effective risk management framework. He is a passionate believer in financial inclusion and provides support for charities who have to manage the fall-out from financial abuse and mentoring for talented BAME financial services professional. Chet lives with his partner and young child in Winchester and enjoys reading historical fiction, day trading and solving crosswords.

Neil Cosburn

Neil Cosburn’s experience in the financial services sector stretches back over 45 years, during which time he has worked in senior roles for a number of major UK banks and international financial institutions. His responsibilities have included managing the operation and risk of trading and lending activities, as well as leading businesses through major change, including acquisitions, reorganisations and major IT migrations. He has also conducted investigations into a number of high profile banking misconduct issues in co-operation with UK regulators.

Neil is now a partner in a consultancy that advises banking and legal clients on the management of financial risk and the investigation of institutional misconduct and regulatory abuses. Neil grew up in London and has lived in Salisbury, Wiltshire for many years.

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