We have one of the most experienced teams in the sector. Our breadth and depth of technical expertise, coupled with our business and international understanding sets us apart. We are responsible employers and have a highly stable and committed team that we continue to develop to exceed client expectations.


Our Board


Mark Gaywood 

Group Chairman

Mark is the founder and group chairman of Momentum Pensions. Mark established Momentum with a clear vision to evolve the international pensions sector by delivering new standards of service, integrity and transparency. To realise this vision, Mark was able to draw upon substantial experience in financial services having previously served as a main board director for two international banks on the Isle of Man, with responsibilities covering investment, banking and fund administration. In addition to Momentum, Mark has successfully developed a select number of companies in the property, retail, and financial services sectors.

Sandra Robertson 

Group CEO

An experienced Group CEO, Sandra brings over 30 years of financial services leadership to iPensions Group. Vastly experienced in designing and implementing growth strategies, Sandra has also delivered company turnarounds, secured acquisitions and launched new start-ups. With over 15 years’ board level experience, Sandra transitions seamlessly between sectors. She holds an MBA from Henley Business School, a first-class honours in Business Studies, the Certificate in Company Direction from the Institute of Directors, and is a Fellow of the Chartered Management Institute.


Stewart Davies 


A qualified banker, Stewart headed the wealth management operation of an international bank in the Isle of Man and he draws on his extensive knowledge and professionalism to ensure that Momentum continues to lead the way as a pensions provider. He led the purchase of Ernst & Young Trust Company in 2002, as well as the merger of two Isle of Man-based trust companies in 2009. Stewart was able to deploy this considerable expertise when he led our UK acquisition in 2014.

David Borg 


David has worked in senior management for some of the largest international corporations based in Malta. During this time he has gained extensive experience and understanding of a broad gamut of business sectors including oil and gas, international tourism and real estate. David is a Chartered Accountant and Member of the Association of Chartered Certified Accountants (UK), the Malta Institute of Taxation and the Malta Institute of Accountants.


Craig Cheyne 

Managing Director UK

Craig brings over twenty-five years’ experience in financial services to Momentum along with particularly valuable insight on the IFA sector. Initially, Craig worked in the banking sector before qualifying and building a career as an IFA, advising on investments, pensions, protection and mortgages, before moving onward to relationship management. Prior to joining Momentum, Craig gained inter-national experience in Singapore and South East Asia, working with expatriate distribution channels for a large global life company.

Susan Brooks 

Managing Director International

Having worked in a senior management capacity for several financial institutions for the past 20 years, Susan brings an exceptional blend of professional and academic credentials to Momentum, as well as a wealth of technical and operational experience. She is a Chartered Tax Adviser with the Irish Tax Institute, recognised as the international hallmark of excellence in tax advice worldwide. She is also a Member of the Irish Institute of Pensions Management. A graduate of National University of Ireland with a first-class Honours degree in Mathematics, Susan also holds a Masters in Financial and Industrial Mathematics from Dublin City University, as well as a Professional Diploma in Financial Advice.


Josef Micallef 


As a senior accountant, Josef worked with leading corporate services providers in the Isle of Man and, on his return to Malta, he took over the role of assistant finance manager for an EU licensed and regulated financial institution. Josef’s experiences have garnered instrumental knowledge in the financial services industry, which he brought with him to Momentum. He is a Fellow of the Association of Chartered Certified Accountants (FCCA), and holds a Bachelor of Accountancy (Hons) degree and Bachelor of Commerce degree from the University of Malta.

Hrishi Kulkarni 


Hrishi is a senior technology executive with a background in B2B, B2C, financial services and technologies spanning over twenty years. Hrishi brings considerable experience of developing business, technology and digital strategies, delivering technological change, programme and project management. For Momentum, Hrishi’s core expertise is helping us to evolve our technology platforms to deliver added-value and better service for our customers.