Head Of Compliance

• Nov 2017 - Present

Compliance Manager, Secretary and MLRO

• Jan 2016 - Nov 2017

Compliance Manager

• Jun 2014 - Dec 2015

• Providing Compliance advice on the development of a new trading style. • Balancing regulatory requirements with commercial considerations and ensuring policies and processes adhere to regulatory requirements. • Creating a Compliance Monitoring framework to cover all aspects of the group, including new lending, back book and servicing of other lender clients. • Monitoring and advising the business around regulatory change and developments, in both the UK and Ireland. • Working with other senior managers to implement any crucial changes. • Providing advice and input into the annual Audit Plan and scope of audits to be carried out. • Developing, and providing Compliance approval on, projects, including the on-boarding of new clients, the EU Mortgage Credit Directive and the move to FCA regulation of CCA accounts.

Compliance Manager

• Jan 2012 - Jun 2014

• Developed and delivered the annual Compliance Monitoring Plan. • Investigate potential and actual regulatory breaches, advising on remedial action required. • Provide specialist compliance opinion and sign off on new projects. • Monitor and advise the business around regulatory change and developments. • Work with other senior managers to implement any crucial changes. • Maintain close links with business partners compliance teams. • Assess and approve documentation and training material to ensure compliance with regulatory requirements. • Deliver specialist compliance training.

Primary Servicing Manager / Compliance Officer

• Aug 2009 - Jan 2012

Compliance Officer / Deputy MLRO (Aug 2009 – Nov 2010) • Updating the AML programme and providing AML training across the business. • Investigating Suspicious Activity Reports – including fraud investigations, SOCA reporting and witness statements. • Complaint handling. • Balancing regulatory requirements with commercial considerations and ensuring policies and processes adhere to FSA regulations. • Monitor and advise the business around regulatory change and developments. • Work with other senior managers to implement any crucial changes. • Identified and assisted to implement new initiatives, including the Mortgage Rescue Scheme. Primary Servicing Manager (Nov 2010 – Jan 2012) • Taking ultimate control of the Primary Servicing function, encompassing the General Enquiries, Redemption and Insurance Teams. • Management and oversight of 20 staff including 3 senior team leaders. • Creating and documenting processes and procedures. • Contributing to monthly servicing meetings with clients. • Training and developing staff. • Providing reports to board members on performance results.

Compliance Officer / Deputy MLRO

• Oct 2008 - Aug 2009

• Data Controller & Deputy MLRO. • Ensuring regulatory compliance, including FSA and corporate governance. • Monitor and advise the business around regulatory change and developments, both in the UK and Ireland. • Work with other senior managers to implement any crucial changes. • Monitoring, auditing and reviewing both third party servicers and other branches, and presenting my findings verbally to senior management, and in writing to the board. These reviews involved travelling to all areas of the UK and southern Ireland. • Ensuring compliance procedures are kept up to date and followed. • Monitoring and following up any data protection issues. • Liaising with Group Compliance, ensuring that communications between the Group entities are open. • FSA Reporting.

Compliance Officer / Deputy MLRO

• Oct 2004 - Jul 2008

• Deputy MLRO. • Producing and maintaining the Money Laundering and Fraud Prevention policy. • Receiving, investigating and reporting on Suspicious Activity Reports, completed by staff members. • Maintaining close relations and reviewing the performance of third party servicers, including documenting minutes and highlighting potential risks with senior management. • Completing and signing police witness statements on behalf of the firm. • Ensuring compliance with FSA regulatory requirements. • Monitor and advise the business around regulatory change and developments. • Work with other senior managers to implement any crucial changes. • Carrying out the detailed requirements of the Compliance Plan and Monitoring Plan. • Approving all company documentation. • Complaints handling • Liaison with external service providers with regard to Procedures, Complaints and SOCA reports to ensure their procedures mirrored our own. • Staff training.