Meet the Trustee

Christine Kernoghan

• Nominated by Passenger Train Operating Companies (TOCs)
• Term of office to 2028
• Sits on the following Committees & Boards: Trustee Board (Chair), Nominations and Governance Committee (Chair) and Remuneration and Nominations Committee
  

“I feel privileged to chair the Trustee Board and care deeply about the Scheme’s members. Members’ interests sit at the heart of every decision the Trustee makes. As Chair my role is to provide leadership and direction to the Trustee Board, to enable it to fulfil its responsibilities for the overall governance and strategic direction of the Scheme.”

Christine was the Head of Financial Services at South Western Railway Limited where her responsibilities included management and operation of the pension scheme. She has been involved with the railways pension scheme for 23 years taking an active role in developing effective communications and improved administration. She was a long-standing member of the South Western Railway Pension Committee. Christine was appointed a director of the Trustee Company in 2016, and appointed as a Non-Executive Director of Railpen Limited and Railway Pensions Investments Ltd Board in 2021. In 2022 she was appointed Chair of the Trustee.  

Christine loves the great outdoors and has once rafted down the Grand Canyon for 8 days, surviving the rapids and wild camping along the way. She has a number of other interests and loves to cook in her spare time.

You can get to know Christine more in her introductory blog.

Adam Golton

• Nominated by Passenger Train Operating Companies (TOCs)
• Term of office to 2026
• Sits on the following Committees & Boards: Trustee Board, Audit and Risk Committee, Investment Advisory Panel and Integrated Funding Committee (Chair)
  

“I was keen to become a Trustee Director to help secure members’ benefits in an ongoing and sustainable way”

Adam is a Chartered Accountant and worked as Finance Director for eight different rail franchises over a 20-year period. He has chaired a number of RDG’s governance groups, including the EC4T Steering Group and the Settlement, Assurance and Financing Committee. Adam has over 10 years’ experience as a Pension Committee member for the Anglia and Great Eastern sections, and was appointed chair of these committees over a number of years. In November 2018, Adam moved to a Group role in order to focus on wider industry developments and their impact on the Abellio train operating companies. Adam retired from Abellio in September 2022.

Adam was appointed as a director of the Trustee Company in 2020.

Fatima Baig

• Nominated by Network Rail
• Term of office to 2026
• Sits on the following Committees & Boards:  Trustee Board, Integrated Funding Committee, Enterprise Risk Committee, Railpen Board and Railway Pensions Investments Ltd Board

"I am passionate about the rail industry and always wanted a trustee role that gives me a sense of purpose. A role came up on the Trustee Board and it was the perfect opportunity for me to serve the fiduciary interests of our scheme members.”

Fatima has over 13 years' experience working in Network Rail's finance department, having undertaken several financial and analytical roles. She currently heads up the Finance Strategy & Development team, where she delivers people and development initiatives for a community of 1000+ finance professionals. She also leads talent development programmes for finance graduates, apprentices, year in industry students and summer interns, and has extensive experience of supporting young people.   

Fatima has previously worked with the company's ethnicity network and is a strong advocate and promoter of creating a diverse and inclusive environment at Network Rail. She is a fellow of the Chartered Institute of Management Accountants (CIMA) and also leads the industry wide talent development programmes for junior and middle management finance colleagues across the rail industry. Fatima was appointed as a director of the Trustee Company in 2021. She was appointed as a Non-Executive Director of Railway Pensions Investments Ltd in 2024. 

Richard Jones

• Nominated by all Employers
• Term of office to 2028
• Sits on the following Committees & Boards: Trustee Board, Member Case & Administration Committee, and Defined Contribution Committee (Chair)
  

“Serving on the Scott Wilson Pension Committee gave me an insight into pensions governance. I am fascinated by the range of challenges – from investing huge sums of money to agreeing payments to individual beneficiaries. And I enjoy being with the great people we have on the Trustee Board and in the Railpen team.”

Richard’s 30-year railway career included engineering, commercial, corporate real estate and general management positions at BRB, Virgin, Alstom and AECOM. He was involved in the leadership and governance of the Scott Wilson Railways (now AECOM) RPS Section for over 10 years. Richard became a railways pensioner in 2018 and was subsequently appointed to a Civil Service role unrelated to the rail industry.

Richard is a Chartered Mechanical Engineer, an IoD Chartered Director and MBA graduate, and has non-executive experience with a Police Authority, including leading on pensions matters. He became a Trustee Director in 2016. In January 2017, he was appointed as a Non-Executive Director of Railpen Ltd, and he was re-appointed for a second three-year term in 2020 and a further one-year extension until December 2023. He was appointed as a Non-Executive Director of Railway Pensions Investments Ltd in 2021 until 2023.

Anjali Lakhani

• Nominated by Freight Train operating Companies (TOCs) and Support Services
• Term of office to 2028
• Sits on the following Committees & Boards: Trustee Board, Audit & Risk Committee, Member Case & Administration Committee, and Audit and Governance Committee 
  

"The opportunity to be a Trustee Director is an exciting and enriching one. I will use my expertise in finance and freight to provide insights to the Board. I will commit to working hard to preserve, protect and fairly represent our members.”

Anjali has worked in the Rail Freight Sector for over 20 years in various finance roles. Currently she is Head of Rail Services & Heavy Haul at Freightliner, supporting the business in key decision making by providing financial insight, analysis, appraisal and regulatory support.

Anjali is a Chartered Global Management Accountant CIMA Associate.

Anjali enjoys travel and having explored the Eastern continents now has her sights set on the West. She volunteers at a community charity organizing fundraising events including a weekly soup kitchen and an annual vegetarian food festival.

She was appointed as a director of the Trustee Company in 2022.

Richard Murray

• Nominated by Passenger Train Operating Companies (TOCs)
• Term of office to 2030
• Sits on the following Committees & Boards: Trustee Board, Defined Contribution Committee, Integrated funding Committee, Benefits Advisory Committee (Chair), Mutual Committee and Railpen Board and Railway Pensions Investments Ltd Board 

Richard is the Group Pensions Director for FirstGroup, having joined the Reward & Pensions team in 2008. He started his career with an employee benefits consultancy after graduating from the University of Edinburgh with a degree in Economics and Statistics, and now has over 20 years pensions experience. Richard has had a variety of trustee roles for FirstGroup pensions arrangements in the UK and North America.

He was appointed a director of the Trustee Company in 2019, and a Non-Executive Director of Railway Pensions Investments Ltd Board from January 2021 to July 2021. In September 2022, he was appointed as a Non-Executive Director of Railpen, and he was re-appointed as a Non-Executive Director of Railway Pensions Investments Ltd. 

John Wilson

• Nominated by Freight Train operating Companies (TOCs) and Support Services
• Term of office to 2026
  
• Sits on following Committees & Boards: Trustee Board, Audit & Risk Committee and Integrated Funding Committee

“I became a Trustee Director because I felt I had something to add to the Trustee Board through my experience in establishing the RPS. I also feel it is important to give ‘something back’ to the members.”

John is an Actuary and was formerly employed by British Rail where he worked with others in establishing the Railways Pension Scheme. He has over 50 years’ experience advising companies about their pension arrangements. John has been a member of the Pensions Committees of several sections of the RPS. He was appointed a director of the Trustee Company in 2008.

Iain Anderson

• Nominated by Transport Salaried Staffs' Association (TSSA)
• Term of office to 2030
• Sits on the following Committees & Boards: Trustee Board and Integrated Funding Committee
  

Iain was employed in the railway industry for twenty years working in a variety of roles, including payroll, administration and HR. For a number of years he was a member of the Eurostar Pensions Committee. He has participated in employer valuation discussions and industry wide working parties relevant to Pensions. He is now the Secretary to the TSSA Pension Fund and deals with associated administration matters for that fund.

Mick Cash

• Nominated by the National Union of Rail, Maritime and Transport Workers (RMT)
• Term of office to 2028
• Sits on the following Committees & Boards: Trustee Board, Defined Contribution Committee, Mutul Committee (Chair), Railpen Board and Railway Pension Investments Limited Board 

Richard Goldson

• Nominated by the Retired Railway Officers’ Society
• Term of office to 2026
• Sits on the following Committees & Boards: Trustee Board, Defined Contribution Committee, Investment Advisory Panel and Audit and Risk Committee (Chair)
  

"As a retired person, I relish having a role which brings responsibility and involvement in the real world, and brings me into contact with many people, and on issues which are so important to members and employers.”

Richard’s whole career was with the railway, half with BR, and half with National Express. Subsequently, he was a Non-Executive Director with the Office of Rail Regulation, and separately an advisor to the House of Commons Transport Committee. For eighteen of those years Richard was an employer-elected Trustee Director of the Railways Pension Scheme, and served on key Committees of the Trustee. He was the first Trustee to Chair the Railpen Board, and was one of the two Trustees to sit on the Railpen Board.

Richard was appointed as a director of the Trustee Company in 2020.

Richard enjoys bridge and other card games, church bell ringing, travel, art and opera. He loves walking in the countryside and is about mid-way through a 'bucket list' objective to visit all the extremes of British Isles (be that the highest, the lowest, the easternmost point etc). Most recently he visited the hamlet of Caolas on Vatersay, being the most westerly inhabited settlement in Scotland. 

Dave Gott

• Nominated by the National Union of Rail, Maritime and Transport Workers (RMT) and British Railways Superannuation Fund (BRSF) Management Committee
• Term of office to 2030
• Sits on the following Committees & Boards: Trustee Board and Member Case & Administration Committee (Chair)
  

"The work of the Trustee Board is very important to me, in all aspects of its undertakings, especially payment of benefit claims.  I am very pleased to be part of this organisation”.

 Dave joined British Rail in 1980 and worked in the signalling grades in the Lincoln/Retford areas. He was elected to the BRSF Management Committee in 2001 and elected to the Network Rail Pensions Committee in 2005.

Dave was appointed as a director of the Trustee Company in 2007 and re-elected in 2012, 2018 and again in 2024. He was a Non-Executive Director of Railpen from 2017 to 2020.

Charles Harding

• Nominated by Confederation of Shipbuilding and Engineering Unions (CSEU)
• Term of office to 2026
• Sits on the following Committees & Boards: Trustee Board, Audit & Risk Committee and Member Case & Administration Committee
  

Charles was a Senior CSEU Representative for over 20 years and was employed as an engineer by a leading rail freight company till 2015. He is a member of Unite the Union.

Charles was appointed as a director of the Trustee Company in 2007. 

Peter Holden

• Nominated by the British Transport Pensioners’ Federation (Pensioners Federation)
• Term of office to 2026
• Sits on the following Committees & Boards: Trustee Board, Integrated Funding Committee and Enterprise Risk Committee
  

"I became a Trustee Director to play an active role in helping to safeguard members’ pensions”.

Having graduated from Oxford University with a degree in Applied Biology, Peter worked in the British Transport Police Force for 30 years and retired as Chief Superintendent (Divisional commander) in 2016. He was a member of the British Transport Police Force Superannuation Fund Committee from 2009 to 2016 and from 2017 to 2022 as a pensioner nominated member of the Committee. He was appointed as a director of the Trustee Company in 2019 and as a Non-Executive Director of Railpen from 2020 to 2021.

Howard Kaye

• Nominated by the Associated Society of Locomotive Engineers and Firemen (ASLEF)
• Term of office to 2028
• Sits on the following Committees & Boards: Trustee Board, Member Case & Administration Committee  Committee, Defined Contribution Committee and Integrated Funding Committee

Howard has over 40 years’ service within the railway industry and is currently employed as a Train Driver based at Kings Cross station. He has been an ASLEF Pensions Committee member of the 1994 Pensioners Section for several years and has been on the Executive Committee of ASLEF.

Howard was appointed as a director of the Trustee Company in 2021.

Gary Towse

• Nominated by the British Railways Superannuation Fund (BRSF) Management Committee
• Term of office to 2028
• Sits on the following Committees & Boards: Trustee Board, Audit & Risk Committee, Integrated Funding Committee, Remuneration and Nominations Committee, Nominations and Governance Committee, Audit and Governance Committee, Railpen Board and Railway Pensions Investments Ltd Board

Gary joined the British Transport Police in 1974 and served in the South East Area. He was a Committee member of the British Transport Police Force Superannuation Fund from 1992 to 2006. He was elected the Treasurer of the British Transport Police Federation between 1996 and 2006.

Gary was appointed as a director of the Trustee Company in 2004. He was appointed as a Non-Executive Director of Railway Pensions Investments Ltd Board in 2020 and reappointed as a Non-Executive Director of Railpen in 2021 (previously 2009 to 2020).