The Mutual Bank appoints Melanie Howard as Chief Risk Officer
The Mutual Bank is pleased to announce the appointment of Melanie Howard as Chief Risk Officer (CRO).
Melanie has served as Acting Chief Risk Officer since November 2025, providing strong leadership during a period of significant activity and regulatory focus for the Bank. Her appointment reflects the confidence of the Board and Executive Leadership Team in her ability to continue leading the Risk and Compliance functions while strengthening the Bank's risk management framework.
Melanie brings extensive experience in the customer-owned banking sector, combined with strong professional credentials and a practical understanding of prudential regulation, risk management and compliance. Throughout her career with The Mutual Bank, she has demonstrated sound judgement, professionalism and a collaborative leadership style.
Chief Executive Officer Mark Williams said Melanie's appointment provides valuable continuity for the organisation.
"Melanie has demonstrated exceptional leadership during her time as Acting Chief Risk Officer,” he said.
“Her deep knowledge of the Bank, commitment to our customer-owned values and ability to foster strong relationships across the organisation make her an outstanding appointment to this role."
Throughout her time with The Mutual Bank, Melanie has played an important role in supporting the Bank's strategic, prudential and operational risk priorities, while building collaborative, high-performing teams and maintaining a strong focus on regulatory obligations.
Her appointment will help ensure continued momentum across the Bank's risk and compliance functions while supporting The Mutual Bank's ongoing commitment to protecting Customers and maintaining a strong, sustainable future.
Please join us in congratulating Melanie on her appointment as Chief Risk Officer.
