Democracy & Board
All Together Money a trading name of the Association of British Credit Unions Ltd, a Society registered under the Co-operative and Community Benefit Societies Act 2014. The Society is governed by a Board of Directors elected by members. The Rules of the Society are set by members at the Annual General Meeting. They are available to view here.
Directors are elected on a regional basis, from three constituencies, with directors usually serving a three-year term.
The Board elects officers — President, Vice President and Treasurer — from members of the Board each year.
Senior Officer Roles of the Association 2026 – 2027
President – Emma Norledge, Seat B Director for Constituency Three
Vice-President – Chris Mole, Seat A Director for Constituency Three
Treasurer – Ian Goodliffe, Seat C Director for Constituency One
The current representatives elected by Association members are:
Director for Yorkshire and the North East (Constituency One) – Alan Hignett, HEY Credit Union
Seat B Director for Constituency One – Sofia Dogan, Kingdom Community Bank
Seat C Director for Constituency One – Ian Goodliffe, Bradford District Credit Union
Director for the East Midlands (Constituency Two) – Teresa Manning, Clockwise Credit Union
Seat A Director for Constituency Two – John Haslam, Penny Post Credit Union
Seat B Director for Constituency Two – Ciara Davies, Metro Moneywise Credit Union
Seat A Director for Constituency Three – Chris Mole, Eastern Savings and Loans
Seat B Director for Constituency Three – Emma Norledge, Wave Community Bank
Seat C Director for Constituency Three – Janet Palmer, Lewisham + Bromley Credit Union
Inclusivity Group
The Inclusivity Group’s is crucial to our democracy. It helps ensure that we are inclusive in everything we do. That means a truly accessible process for everyone, whatever their background. And a process that supports people’s many varying needs.
It also provides advice to the Board on how we can support the credit union movement to be a inclusive and diverse place consistent with our values.
Because fairer finance is inclusive finance – no one should be left behind when it comes to money.
The Group is made up of up to two independent members, up to four ABCUL member representatives, one former All Together Money Board member and an All Together Money Board member.