Experience

National Deposit Friendly Society

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Head of Legal and Compliance

  • Sep 2021 - Present

  Bristol, England, United Kingdom SMF16 and SMF17 leading the Legal and Compliance function to support the regulatory systems and controls embedded within the organisation reporting into CEO. Acting as Compliance Business Partner to the Boards, and regulatory strategy. The role sits on the Management Executive Committee, and in attendance at the Audit Committee, Risk and Compliance Committee, and Boards. SMF16 and SMF 17 for National Friendly Financial Solutions. The role includes Ensuring there is a robust… Show more SMF16 and SMF17 leading the Legal and Compliance function to support the regulatory systems and controls embedded within the organisation reporting into CEO. Acting as Compliance Business Partner to the Boards, and regulatory strategy. The role sits on the Management Executive Committee, and in attendance at the Audit Committee, Risk and Compliance Committee, and Boards. SMF16 and SMF 17 for National Friendly Financial Solutions. The role includes Ensuring there is a robust regulatory risk framework and conduct risk policy set in place, and enhanced as required. Acting as the accountable SMF16 and SMF 17 for both regulated entities covering PRA, FCA and Solvency 2 activities. Owning and ensuring an open and honest constructive relationship with the regulators, and ensuring all regulatory returns are collated and submitted within time scales. Acting as the main point of contact for the business to ensure compliance and regulatory queries are answered appropriately and in a timely manner. Collation and undertaking of the annual compliance plan and compliance monitoring plans. Regulatory input to the product governance for new and existing products manufactured. Responsible for the compliance culture within the business, leading by example. Inputting the compliance and conduct risk issues to the business planning and strategy cycles. Own the identification of the legal and regulatory risks that may affect the business model to ensure those are managed and mitigated appropriately. Ownership of the governance to ensure this is fit for purpose. Ownership of the collation of the regulatory MI for submission to the Boards and Committees. Ownership of the legal requirements for the business. Show less



ElleTee Compliance Consulting Limited contracted to National Friendly Society until August 2021

• Interim Head of Legal and Compliance

  • Apr 2021 - Sep 2021

  Bristol, England, United Kingdom Acting as interim SMF 16 and 17 for two regulated entities.



ElleTee Compliance Consulting Limited : contracted to Markel International until April 2021

• Interim Compliance Consultant

  • Aug 2020 - Apr 2021

  London, EC3 England, United Kingdom Leading the product governance and product approval review for Markel International : covering Wholesale, Singapore UK, Europe and Canada business units. Undertaking a review of FCA PROD and Lloyds product governance guidance to ensure that the processes and procedures are fit for purpose and appropriate for the MINT business model. This involves redrafting documents, templates, processes and procedures, as well as the framework document. Dealing with senior business stakeholders as… Show more Leading the product governance and product approval review for Markel International : covering Wholesale, Singapore UK, Europe and Canada business units. Undertaking a review of FCA PROD and Lloyds product governance guidance to ensure that the processes and procedures are fit for purpose and appropriate for the MINT business model. This involves redrafting documents, templates, processes and procedures, as well as the framework document. Dealing with senior business stakeholders as the product governance SME to ensure the process works within the business units. Driving the required change through to completion with an agreed timescale. Leading on FCA, Lloyds and EIOPA Fair Value exercise. Leading on relaunch of conduct risk appetite for the Group. Leading on Lloyds MS product governance attestations. Leading on FCA CP19/20 product governance regulatory change. Show less



Elle Tee Compliance Consulting Limited contracted to Jensten Group until 30th April 2020.

• Interim Group Risk and Compliance Director

  • Dec 2019 - May 2020

  London, United Kingdom Interim role to oversight and direct the Risk and Compliance team and act as Compliance business partner for the ExCos, Boards and investors, covering the Coversure franchise operations, Policyfast and City Underwriters brands, including key M&A plans for ongoing expansion within the business. Work undertaken to date included: Risk input to the Group strategy and business plans Review of the risk and compliance oversight and input to the franchise operations, and… Show more Interim role to oversight and direct the Risk and Compliance team and act as Compliance business partner for the ExCos, Boards and investors, covering the Coversure franchise operations, Policyfast and City Underwriters brands, including key M&A plans for ongoing expansion within the business. Work undertaken to date included: Risk input to the Group strategy and business plans Review of the risk and compliance oversight and input to the franchise operations, and implementation of the findings. Governance and MI review and implementation across the Group. Review and oversight of risk management framework across the Group, including the setting of risk appetite Leading regulatory input on Group M&A work; and review M&A process. Review and update the regulatory development and update process. Review and update the protocol for dealing with regulators, and own the relationship with regulators. Implementation and embedding of SMCR requirements for both Group and franchise operations. Review of risk and compliance framework in place, including the redrafting of policies, processes and procedures for the implementation and oversight of conduct and regulatory risk. Working to embed 3 LoD model within the Group, including the 1LoD QA, 2LoD Compliance monitoring process; ongoing work on the 3LoD implementation. Show less



Broker Network

• India
• Leasing Real Estate
• 1 - 100 Employee

• Group Chief Risk Officer

  • Jul 2019 - Nov 2019

  London, United Kingdom Group Chief Risk Officer for Bravo Group which oversights Broker Network, Compass broker network, Ethos Partners ,Compass London Markets, as well as the wider group and working closely with Ardonagh Group. The role focuses on the identification, management and mitigation of the operational, regulatory, reputational, financial,market and credit risks for the Bravo Group. Oversight and direction of the Risk and Compliance team supporting the Bravo Group to ensure all regulatory and… Show more Group Chief Risk Officer for Bravo Group which oversights Broker Network, Compass broker network, Ethos Partners ,Compass London Markets, as well as the wider group and working closely with Ardonagh Group. The role focuses on the identification, management and mitigation of the operational, regulatory, reputational, financial,market and credit risks for the Bravo Group. Oversight and direction of the Risk and Compliance team supporting the Bravo Group to ensure all regulatory and conduct risks are identified and managed. This includes the Agency team, ToBA and product governance compliance. Acts as the Risk and Compliance business partner for the Bravo ExCo, Bravo Board and delegated committees to ensure appropriate qualitative and quantitative MI is discussed as well as appropriate independent challenge. Risk input to the Bravo Group strategy and business plans. Own the relationships with the regulators, and coordinate communication as required. Review of group governance to ensure appropriate for the wider Group requirements. Aid Bravo Group to set and understand risk appetite for the Group business. Assist the Ethos brand with M&A strategy from a regulatory perspective to ensure that all key regulatory requirements are identified and managed with any potential partners purchases into the Group, including oversight of the due diligence and change of control requirements. Regulatory SME : SMCR, IDD and GDPR and FCA pricing studies. Horizon scanning reviewed and process updated to ensure timely input to the business units of potential rule changes. Review of material outsourcing process. Built relationships with the outsourced internal audit functions to ensure that the 3rd line of defence works appropriately for the Group, and that the actions are agreed, closed and implemented in a timely manner. Show less



ElleTee Compliance Consulting Ltd - contracted to UIA Insurance Stevanage

• Interim Head of Operational Risk, Compliance, Governance and Co Sec.

  • Jun 2017 - May 2019

  Stevenage, United Kingdom ElleTee Compliance Consulting specialises in PRA and FCA regulatory compliance guidance, oversight and monitoring ; all aspects of conduct and regulatory risk , governance, operational risk, GDPR SME and SIMR SME. Role acting as Interim Head of Compliance and Operational Risk for a general insurer. Regulatory SME and Compliance BP for the Board. Built and embedded the Risk and Compliance team from scratch. The role includes review of compliance framework, drafting and approval of… Show more ElleTee Compliance Consulting specialises in PRA and FCA regulatory compliance guidance, oversight and monitoring ; all aspects of conduct and regulatory risk , governance, operational risk, GDPR SME and SIMR SME. Role acting as Interim Head of Compliance and Operational Risk for a general insurer. Regulatory SME and Compliance BP for the Board. Built and embedded the Risk and Compliance team from scratch. The role includes review of compliance framework, drafting and approval of conduct risk policies, updated complaints process and RCA review, GDPR SME, SIMF SME and implementation of SMR requirements into the regulated entities, vulnerable customer policy and process review, AML and sanctions review including provision of sanctions check process, outsourcing and due diligence review of policy, process, collation of outsourcing framework, required MI and material outsourcing list. VoP submission for monthly premium instalments, regulatory reporting and monthly regulatory developments for the company, including IDD and SMR. Regulatory risk training given to Board and business. Provision of regulatory input to new business projects, IARs, partnerships and JVs. Conduct risk and compliance MI created,drafted and presented to Board/Exec. Undertaking regulatory reviews as required : HR regulatory processes, vulnerable customer to date. working with the 1LoD to ensure QA is appropriate and reported to Exec, and works with Compliance MI for a round regulatory picture for Board. Undertaken governance review on regulated entities. 2018 compliance and compliance monitoring plans collated and approved. Oversight for company secretarial function and governance for the Board and Committees, including delegated authority embedding. Operational Risk oversight includes the review of the risk registers and the embedding of the risk event notifications process. Show less



Pro Global Insurance Solutions plc

• Head of Compliance

  • Jan 2015 - May 2017

  London and Gloucester As Head of Compliance I provide regulatory conduct risk oversight for the Pro regulated entities as well as regulatory support to clients and potential new business. Covers commercial and retail lines/ general insurance business, Lloyds market risks andreinsurance. key regulatory contact for the directors and NEDs. My team covers the second line of defence dealing with risk and compliance oversight and assurance. Compliance coverage for UK and offices in Latin America, U.S. And… Show more As Head of Compliance I provide regulatory conduct risk oversight for the Pro regulated entities as well as regulatory support to clients and potential new business. Covers commercial and retail lines/ general insurance business, Lloyds market risks andreinsurance. key regulatory contact for the directors and NEDs. My team covers the second line of defence dealing with risk and compliance oversight and assurance. Compliance coverage for UK and offices in Latin America, U.S. And Europe. I am the first point of contact with the regulators dealing with regulatory submissions, queries and issues. I oversight the compliance framework which include the conduct risk requirements for the Pro covering sanctions, TCF, anti bribery and corruption, conflicts of interest ,anti fraud, complaints handling and root cause analysis, anti money laundering, breach reporting , whistleblowing , data protection and data privacy , all aspects of information security, CASS requirements, outsourcing and due diligence requirements, compliance monitoring plan oversight and implementation of the required process for the second line of defence, business continuity and disaster recovery . Key member of any new business project bringing regulatory insight to outsourcing and due diligence for potential business or partners. Regulatory change and developments are part of the remit: recent changes include the implementation of whistleblowing champion. worked on Solvency 2 for the appropriate clients - current projects involve the SIMF requirements, governance maps and key function holders under the senior insurance manager functions project. Provider of conduct risk training for the Directors and Pro staff; done with humour ! Providing the compliance support for Pro Appointed Representative; and MGA provision. Show less



International Insurance Company of Hannover Limited

• Australia
• Insurance
• 1 - 100 Employee

• Head of Compliance

  • Oct 2011 - Dec 2014

  London EC3 Reporting to the CRO, I run the compliance team which includes the compliance monitoring team and the handling of policyholder regulated complaints. I am the regulatory subject matter expert within the organisation and the first point of contact for the Directors for regulatory issues. My role includes Regulator relationship management and liaison with PRA and FCA for and other regulators as required for the branch network based in Sweden, Italy, Canada and… Show more Reporting to the CRO, I run the compliance team which includes the compliance monitoring team and the handling of policyholder regulated complaints. I am the regulatory subject matter expert within the organisation and the first point of contact for the Directors for regulatory issues. My role includes Regulator relationship management and liaison with PRA and FCA for and other regulators as required for the branch network based in Sweden, Italy, Canada and Australia Facilitating, organising and preparing the company for Regulator visits and other thematic regulatory visits; followed up by the oversight of the RMP to ensure outcomes and actions are met and closed out appropriately. Regulatory change review by ongoing monitoring of regulator website, collate gap analysis and advice when the internal process needs to change to accomodate the new rule/guidance. Review and oversight regulatory risk within the company working closely with the risk function Review of complaints handling within the team and DISP review Conduct risk and TCF embedding and ongoing oversight Industry acknowledged expert on SUP 10 requirements Approved Person oversight and SIF interview preparation for new SMAP candidates Review regulatory systems and controls for the non life insurer. Draft and implement the annual compliance plan Executive compliance and regulatory reporting to board and committees Review of breaches process and implememtation. Due diligence on new agents under MGAs. Review MGA model from a regulatory perspective and outsourcing oversight. Oversighting licensing enquiries and sanctions expert, including drafting of sanctions risk assessment for the business. Regulatory expert on passporting, freedom of services and freedom of branch requirements Oversight and hands on experience of PVII transfers within the regulatory enviroment Oversighting surplus lines enquiries from US and federal filing requirement. Compliance Monitoring plan collation and implementation. Show less



LuBeLuCat Compliance Limited : contracted to London and Colonial

• Director/CEO

  • May 2011 - Sep 2011

  Haywards Heath I worked as a Risk/Governance/Compliance contractor acting as an interim compliance officer for a firm of pension consultants who specialise in SSAS/SIPP/onshore and offshore bonds including oversight of offshore insurance company. The role included - CASS client money requirements and review, client asset custody arrangements and implementation of FSA CASS changes including CMAR return and change in auditor reporting. FSA Regulatory change review by ongoing monitoring of FSA… Show more I worked as a Risk/Governance/Compliance contractor acting as an interim compliance officer for a firm of pension consultants who specialise in SSAS/SIPP/onshore and offshore bonds including oversight of offshore insurance company. The role included - CASS client money requirements and review, client asset custody arrangements and implementation of FSA CASS changes including CMAR return and change in auditor reporting. FSA Regulatory change review by ongoing monitoring of FSA website, collate gap analysis and advice when the internal process needs to chnage to accomodate the new FSA rule/guidance. DISP and complaint process review and handling of customer complaints. T&C scheme review for sales managers. Reviewing and updating breach reporting procedures. Reviewing all SYSC processes. Implementing anti bribery act changes. Reviewing HR procedures. SMAP changes required under PS10/15 and subsequent SIF interviews. Building relationship with FSA supervision team. Implementing risk reporting framework and oversight. S2 requirements for the insurer - Pillar 2 ongoing fitness and propriety requirements for the offhore insurer. Review pre regulator visit risk assessment for offshore insurer and oversight the regulatory visits. Draft and implement compliance plan and implement compliance monitoring. Review investment opportunities to ensure compliance. Oversighting and facilitating FSA thematic review visit and CASS thematic visit Feedback from the company - Excellent ! Show less



Aviva

• Insurance
• 1 - 100 Employee

• Senior Risk,Compliance and Governance Manager

  • May 2007 - May 2011

  London EC3 Senior Risk, Compliance and Governance Manager at Aviva Group Head Office. The role covered- Building and maintaining relationships both internal and external to Aviva to ensure - Oversight of UK Business Units from a regulatory risk perspective to ensure independant reporting. Acting as the Aviva GHO subject matter expert on SUP 10 covering SMAPs and FSA SIF interviews. Liasing with senior employees and NEDs to produce appropriate due diligence for SIF… Show more Senior Risk, Compliance and Governance Manager at Aviva Group Head Office. The role covered- Building and maintaining relationships both internal and external to Aviva to ensure - Oversight of UK Business Units from a regulatory risk perspective to ensure independant reporting. Acting as the Aviva GHO subject matter expert on SUP 10 covering SMAPs and FSA SIF interviews. Liasing with senior employees and NEDs to produce appropriate due diligence for SIF submissions and oversight preparations for SIF interviews. People risk oversight; creation of monthly risk reporting and discussions to maintain appropriate risk thresholds, when in excess of the risk appetite, creation and oversight of remediation plan to reduce the risk. Build and maintain appropriate working relationships with UK regulators. Maintaining and manage UK wide MI and reporting framework for regulatory risks. Annual assessments of the UK compliance frameworks. Regulatory lead in the Head Office on projects covering PVII transfers; outsourcing/offshoriong; complaints handling and monitoring; TCF implementation and embedding; settling up a shared service function within a composite insurer. Ensure UK Arrow RMP actions are addressed, answered and closed down in the necessary timescales. Coordination of Arrow and other thematic review vists. Oversight and working expertise of regulatory requirements for outsourcing and offshoring regulated activity. Worked with senior management team to set up the Aviva outsourced operation with WNS in India. Regulatory developments - reviewing of CP/DP/PS from UK regulators. Show less



Prudential Assurance

• Malaysia
• Insurance
• 700 & Above Employee

• Compliance Account Manager - Prudential Life and Pensions

  • Oct 2000 - May 2007

  Reading, United Kingdom Regulatory reform and and implementation including NEWCoB and MiFID. FSA relatinship management Regulatory risk relationship management with the business units covering customer services, distribution channels, Pru Health, HR. Assisting business to develop policies and proceedures to manage the regulatory risks. Practical guidance to the business.



Pensions Associates Limited

• United Kingdom
• Retail Office Equipment

• Compliance Officer/T&C Officer

  • Dec 1994 - Oct 2000

  London WC2 PIA registered firm of employee benefit consultants specialising in SSAS, SIPP, FURBs and Group arrangements, acted as the compliance officer overseeing the regulatory requirements for PIA membership