John Snow DipFA
Senior Consultant at SYGNIA Ltd- Claim this Profile
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Bio
Credentials
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CeMap
-Mar, 2013- Nov, 2024 -
DipFA
-Oct, 2012- Nov, 2024
Experience
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SYGNIA Ltd
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United Kingdom
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Financial Services
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1 - 100 Employee
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Senior Consultant
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Oct 2021 - Present
Working for the Phoenix Group Incident Management Programme. Responsibilities include business analysis, rectification work, in depth file review, quality assurance, team lead. Working as part of a small team of analysts assisting the business in understanding the customer impact of multiple group incidents. Using the data to assess the size of the population affected, financial impacts on the customer and the group. Role includes deep dive analysis of the customer records to identify customers potentially affected and liaising with all relevant departments, including risk, legal and remediation to agree next steps. Show less
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TCC Group
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United Kingdom
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Financial Services
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1 - 100 Employee
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Compliance Specialist
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May 2021 - Aug 2021
Undertake key strategic analysis for a nationwide group of IFA practices. Review and analyse regulated functions across a group of 20+ individual IFA companies to ensure all advice provided adheres to the correct regulatory requirements. Key responsibilities include ensuring that consistent advice is being provided across the group, liaising with individual compliance functions within each practice, offering feedback to individual paraplanners and advisors on the quality of their output, ensuring the clients receive the appropriate and suitable advice based on their individual circumstances. Review high risk pre-sale cases including, but not exclusively, defined benefit transfers, VCTs, structured products, AIM and EIS investments, plus post-sale checks on defined contribution pension transfers, ISAs, GIAs, offshore and onshore bonds, unit trusts, mortgage and protection advice. Show less
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Financial Ombudsman Service
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United Kingdom
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Financial Services
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700 & Above Employee
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Pension Complaints Investigator
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Jan 2021 - Apr 2021
Review both sides of pension complaints, acting as an impartial third party between the consumer and the business, to ensure a fair and reasonable outcome. As part of reaching the correct outcome, all relevant law, regulations and industry best practices would be taken into consideration. Review both sides of pension complaints, acting as an impartial third party between the consumer and the business, to ensure a fair and reasonable outcome. As part of reaching the correct outcome, all relevant law, regulations and industry best practices would be taken into consideration.
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Lloyds Banking Group
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United Kingdom
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Financial Services
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700 & Above Employee
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Business Unit Control Function - Outcome Tester
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Jan 2018 - Dec 2020
Working as an Outcome Tester at Lloyds Banking Group, conducting end to end case level reviews to ensure that the case handling process is producing consistently fair outcomes for customers. The role included attending weekly calibration assessments to ensure consistent criteria are being applied by all outcome testers, conducting effective RCA against all platforms that impact of the customer outcome, determining and advising on the existing QC framework to ensure it is fit for purpose and delivering fair customer outcomes, identifying policy, process or procedure issues that have the potential to impact of the fairness of customer outcomes. Production of weekly, monthly and quarterly reports at executive level, highlighting the scope of testing completed, results achieved, trending analysis and offering solutions to improve the fairness of the customers outcome. Show less
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Tilney Group
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United Kingdom
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Financial Services
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100 - 200 Employee
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Paraplanner
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May 2017 - Dec 2017
Work for Tilney Group via Huntswood, delivering full paraplanning services across the financial spectrum. Main advice areas focused on pension transfers. Services include cash flow modelling, investment analysis production, charges calculation and full report writing, liaising with the advisers, clients and admin teams. A big part of the role is to ensure cases are compliant and within permitted pension guidelines before any further advice is provided. Effectively pre approving pension advice or where necessary getting the relevant regulatory sign off before report is finalised and presented to the client. Show less
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Friends Life Investments (part of Aviva group)
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United Kingdom
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Insurance
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1 - 100 Employee
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Senior Complaint Investigator
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Apr 2017 - May 2017
Working for Friends Life via Sanderson recruitment, delivering complaint resolution end to end, complaints received from across the whole financial spectrum. Process taken through from logging, full investigation, resolution including redress and any follow up if required. Work included identification of key trends, data analysis and required comprehensive pension knowledge as majority of complaints were DC pension scheme related. Working for Friends Life via Sanderson recruitment, delivering complaint resolution end to end, complaints received from across the whole financial spectrum. Process taken through from logging, full investigation, resolution including redress and any follow up if required. Work included identification of key trends, data analysis and required comprehensive pension knowledge as majority of complaints were DC pension scheme related.
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Self-Employed
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Bristol, United Kingdom
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M&S Review Manager (AML/KYC) incl. Quality Assessment
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Sep 2016 - Mar 2017
Self-employed contracting to M&S Bank (via Hazell Carr) as part of an ID & Verification assessment project. Work involved the verification and suitability of documents provided to determine if AML/KYC standards have been met, updating of all relevant systems and providing outcome resolutions to the client. Work included data cleansing, data analysis in line with stringent targeting and performance deadlines. My production results over the length if the project were the highest achieved of any review manager and this has been combined with the highest quality results across the project as well, with figures of 99%. Last 3 months on project spent in a Quality Assessor capacity, checking the output of review work being completed to ensure quality standards were met in line with FCA and client benchmarks. Show less
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Self Employed
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Bristol, United Kingdom
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Business Review Manager/ Quality Assessor
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Aug 2014 - Aug 2016
Self-employed contracting to HSBC (via Hazell Carr) as part of both a pension and investment review project team. Pension review related to the advice provided around mainly DC pension transfers and involved full assessment of the suitability of advice, determining relevant redress and production of pension calculations to ensure correct client outcome. Heavy focus throughout the project on identifying trends and data analysis as this was required information at director level. Investment review work involved assessing the suitability of financial advice provided by HSBC between 2008-2013, based on the parameters and guidelines provided by both HSBC and the FCA. Worked as an investment reviewer and as part of the team responsible for finalising the redress payable as a result of any unsuitable advice identified. 806 reviews completed against a target of 611, equating to 132% target, putting me in the top 3 reviewers on the project. No file quality issues. Last 2 months of review project spent responding to and resolving customer complaints in line with FCA and HSBC procedural guidelines. Second year on the project spent on AQ team, assessing and auditing the quality of reviews completed from the team of reviewers across the floor. Responsible for file checking standards in line with the guidelines set out by the client and the FCA. Role included 3 way feedback with both reviewers and team leaders to ensure quality standards were met and improved upon to ensure the correct customer outcome at all times. Show less
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Legal & General
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United Kingdom
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Financial Services
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700 & Above Employee
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Financial Consultancy Manager
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Jun 2014 - Aug 2014
Promoted to take on a new high profile account managing the new relationship with TSB, looking after a team of approx 15 advisers responsible for telephone advice to TSB clients.
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Financial Consultant & Paraplanner
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May 2012 - Jun 2014
Worked as a financial consultant within The Principality building society branch network, developing relationships and generating business between the L&G brand and the building societies customers. Top performing adviser within the Principality branch network of over 50 branches during this time period.In addition to providing long term financial planning for my clients, I would also undergo extensive fund research to ensure my clients had a diverse and suitable portfolio that could be adapting to their future financial planning goals. All recommendations would be put together by myself, in effect removing the need for an independent paraplanner, as I was my own paraplanner, thus taking the customer through the financial planning process from end to end. Show less
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Halifax
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Banking
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700 & Above Employee
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Financial Consultant
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2006 - 2012
Worked across South Wales and Bristol within the Halifax network providing financial advice for Halifax customers. Also involved in setting up a new advice arm through the Halifax independent agency network mainly in Monmouth and Forest of Dean localities. Once again top performing adviser within this role and helped take the team from bottom nationally to top performing team nationally in terms of investment volumes delivered, file quality and consequent revenue stream for the bank.
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Area Risk Manager
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2004 - 2006
Responsible for improving, overseeing and ensuring the timely delivery of all risk functions for the 13 branches across the area. High level data analysis, trend identification of key risks and MI production all key requirements of the role to feed into senior management. Worked in conjunction with area sales manager to ensure all branch business was completed in a compliant fashion, prioritising the needs of the customer and within FCA guidelines. Glos & Wilts was the top performing area in the region in terms of their risk results and overall compliance measures, without compromising on sales results. Show less
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Operations Manager
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2003 - 2004
Responsible for setting up an application processing unit at Halifax Card services to process all affinity card applications due to existing tender with Experian having ceased unexpectedly. Processing unit set up with 8 direct reports and a total FTE of 130 staff in the space of weeks, unit was in force until a new partner was found to undertake the work on a permanent basis. Due to excellent attrition rates, taking into account 120 staff were temporary, multiple process improvements implemented and efficient liaison with underwriting, HR and affinity partner's, the project was delivered £1million under budget. Show less
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Education
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1991 - 1993
University of Bristol
International Business Studies -
1989 - 1991
St David's RC Sixth Form College
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1986 - 1989
Tettenhall College
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1979 - 1986
St Bedes RC Prep School
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