Director of Audit, Risk & Compliance

• Mar 2023 - Present

Head Of Risk & Policy

• Jan 2021 - Mar 2023

Responsible for the 2nd line of defence in the UK’s largest independent financial advice network with investment, pension, mortgage and insurance permissions. Day to day leadership and oversight of risk reporting, regulatory reporting and the monitoring programme. Design and delivery of the governance, and risk strategy and plan across 4 regulated entities. Challenging the business to embed a culture of compliance and champion customer outcomes. Manage a team of risk and compliance experts to deliver the plan and react to the unexpected. Scan the horizon to understand the impacts of regulatory change on advisers, customers and the market

Chief Risk Officer

• May 2020 - Jan 2021

Risk and compliance oversight, MLRO and regulatory lead. SMF 16 and 17.Responsible for the strategy and roadmap to deliver the regulated entity’s purpose within risk appetite. This involved embedding three lines of defence model to mitigate conduct and operational risk, and managing the relationship with the regulator to steer the Group through one of the biggest regulatory changes in financial services – the Senior Manager Certification Regime.Key achievements include making the Risk and Audit Committee make sense, training the Group to understand data protection, financial crime and conduct rules, backing and approving creative and innovative financial promotions using TV and Social Media to help underserved segments engage with financial advice and developing a team to deliver Compliance operations (complaints handling, financial promotion sign off, monitoring, supervision, quality assurance).

Head Of Compliance

• Nov 2018 - May 2020

T&C Policy & Governance Manager (Customer & Commercial Risk Management)

• Oct 2013 - Nov 2018

Responsible for the design and implementation of the Group’s Training & Competence (T&C) Policy, mitigating conduct and operational risk across mortgage, current account and insurance sales and servicing, ensuring compliance with regulatory intent:• Business lead in the project to deliver consistent T&C arrangements to YBS Group• Management of a team of specialists who monitor and partner business areas• Responsibility for implementation, monitoring and governance of T&C in YBS Group• Ownership of a 3rd party web based system to record competence data• Responsible for regulatory and Conduct Risk reporting around competence and customer outcomes, including creation of measures and thresholds• Chair of T&C Forums, member of Risk Committees• Deputy for Senior Manager in Conduct and Operational Risk forums• Point of contact for Senior Managers around competence regulation, and impact of colleague competence on Conduct and Operational Risk in their business areas.

Sales Policy Manager (Customer & Commercial Risk Management)

• Oct 2012 - Oct 2013

Responsible for the design and delivery of Sales Policy and customer journeys for mortgage, home insurance and savings products:• Interpretation of regulation to deliver appropriate outcomes from customer journeys• Management of a team of specialists• Reporting to Senior Management on effectiveness of Sales Policy and Point of Sale Systems to achieve desired outcomes• Attendance at forums and committees to present Policy design and outcomes• Analysis of data to understand if customer outcomes are achieved• Responsibility to amend point of sale systems and tools in line with Policy change• Evaluation of customer journeys, including impact on commercial objectives and traceability to regulation

Senior Training & Competency Supervisor

• Jul 2010 - Oct 2012

Responsible for the training and supervision of Mortgage Advisers and management of T&C Supervisors to monitor and develop competence: • Design and delivery of regulatory training • Management of T&C Supervisors • Observation, coaching and feedback to mortgage advisers • Design and delivery of regulated training • Delivery of MI solutions and tools to assess competence and customer outcomes • Supporting design and delivery of mortgage processes and regulatory documents. Responsible for the training and supervision of Mortgage Advisers and management of T&C Supervisors to monitor and develop competence: • Design and delivery of regulatory training • Management of T&C Supervisors • Observation, coaching and feedback to mortgage advisers • Design and delivery of regulated training • Delivery of MI solutions and tools to assess competence and customer outcomes • Supporting design and delivery of mortgage processes and regulatory documents.