Before his political career, Charters worked at theBank of England and at theFinancial Conduct Authority with a focus on fraud.[6] While at theBank of England, Charters helped with thepolymer banknote programme and contributed to the development of new payment infrastructure projects.[7] During theCOVID-19 pandemic, Charters collaborated with the CEOs of several banks to ensure readily available access to cash.[6]
Charters subsequently worked in thefintech industry as a senior manager at the global payroll companyRemote and led their fraud and compliance function.[8] In May 2022, Charters was appointed company director.[9] In March 2024 Charters resigned as a company director.[10] Charters was also a company director of Charters-Reid Surveyors Ltd between October 2014 and October 2017.[11] In July 2020, Charters was appointed a company director of Roots Local Ltd cocktail bar,[12][13] and resigned as a director in July 2022[14] before the company was placed in voluntary liquidation in 2023.[14]
During the2024 general election, Charters campaigned on several issues, including the regulation of the bailiff sector,[18] flood defences for York,[19] planning reform,[20] eating disorders in young men,[21] and removing restrictions on investing in UK defence companies.[22] Charters has also campaigned for the creation of a national anti-fraud centre.[23]
Elected with 45% of the vote, a positive swing of 15%, Charters temporarily appointed Labour donor Owen Trotter to set up and run his first parliamentary office.[24][25][26] On 17 July 2024, he made hismaiden speech in the House of Commons in the debate following theKing's Speech[27] and was elected as theChair of the All Party Parliamentary Group for Food Security.[28]
In March 2025, Charters held aWestminster Hall debate on "aggressive and unregulated bailiff practices".[32] Later that month, Charters supported government reforms of the existing "cliff-edge welfare system"[33] and was one of 36 signatories in an open letter of support for improving disabled employment support.[34] In May 2025, Charters introduced aPrivate Members' Bill for the regulation of bailiffs[35] "to get a grip on rogue bailiffs",[36] and proposed looking at the ban on alcohol during men's football matches.[37] Charters also serves as the current Chair of the FinTech All Party Parliamentary Group (APPG).[38]
In June 2025, Charters announced that he would be the first male MP to take extended parental leave and employ his office manager as locum during paternity leave.[39] This followed a campaign for improving UK paternity leave[40][41] that was backed by multiple MPs and theWomen and Equalities Committee.[42]
Charters has a wife and two children.[5][43] They named their first son after his religious studies teacher at Huntington School.[44] They had their second son in summer 2025.[43] The family live in his constituency with two pets.[45]
