Experience

• 

  Newbury Building Society

  • Newbury

  • Chief Risk Officer (CRO)

    • May 2023 - Present
    • Newbury

• 

  Self-employed

  • Senior Risk Management Consultant

    • May 2015 - Present

    Executive Level Risk and Credit Risk consulting assignments and roles on a part-time basis, for major financial services organisations through to start up FinTech businesses and entrepreneurial enterprises.

• 

  Lyndsey Hayes

  • Reading, England, United Kingdom

  • Founder, Lyndsey Hayes

    • Mar 2017 - Present
    • Reading, England, United Kingdom

    Specialist health and movement coaching on a 1:1 basis for people with chronic back pain. Transformational online course for helping those with back pain return to their previously active life.

• 

  Ask Inclusive Finance Ltd

  • London, England, United Kingdom

  • Chief Risk Officer

    • Jul 2018 - Mar 2020
    • London, England, United Kingdom

    Overall risk management and governance for AskIf, a female-led FinTech aiming to provide finance to credit-worthy small businesses (accredited to lend via the British Business Bank's Enterprise Finance Guarantee scheme, which then became the Coronavirus Business Interruption Loan Scheme (CBILS). MLRO/Nominated person.

• 

  RBS International

  • Jersey

  • Executive Director, Risk & Controls Transformation

    • Dec 2015 - Nov 2016
    • Jersey

    One year contract role to provide Risk advisory and leadership for a major financial crime related remediation initiative and risk transformation programme. Included defining and implementing strategic improvements to the risk and control framework and culture across the organisation in multiple locations (Jersey, Guernsey, Isle of Man and Gibraltar).

• 

  Coutts

  • London, England, United Kingdom

  • Risk Consultant

    • May 2015 - Dec 2015
    • London, England, United Kingdom

    Six month contract to provide risk advisory role for the Coutts Executive, providing advice, guidance and a roadmap for an end-to-end credit remediation programme.

• 

  Barclays Corporate & Investment Bank

  • Global Head of Risk Governance

    • Oct 2012 - Oct 2014

    Executive level responsibility to implement consistent high standards of Governance, Controls and Assurance globally across a Risk function of 2,500 (own global team c.100 risk professionals).

  • Head of Credit Portfolio Management

    • Dec 2009 - Sep 2012

    Oversight and pro-active management of a c.£25 billion credit portfolio (Barclays Wealth) combined with significant department management and leadership responsibilities, including establishing new teams and processes globally during the financial crisis.

  • Credit Risk Chief Operating Officer

    • Dec 2008 - Dec 2009

    Strategic and budget responsibilities for the Credit Risk department (Barclays Wealth), combined with leadership and management responsibilities for a number of Credit Risk functions and teams.

  • Head of Credit Policy, Procedures and Control

    • Oct 2007 - Dec 2008

    Ensuring consistent Credit Policy, Procedures and Control globally for the Credit Risk function (Barclays Wealth), including setting Risk Appetite and associated training and communications within the business.

• 

  Royal Bank of Scotland Business

  • London, England, United Kingdom

  • Senior Credit Policy Manager

    • Sep 2003 - Oct 2007
    • London, England, United Kingdom

    Credit Policy and Credit New Product Sign-Off responsibility for the Investment Banking division (Global Banking and Markets), developing new and existing policies for approval at Credit Policy Committee.

• 

  Morgan Stanley

  • London, England, United Kingdom

  • Equity Research Analyst

    • Jun 2000 - May 2003
    • London, England, United Kingdom

    Writing sell-side equity research in relation to the telecoms industry and communicating recommendations to investors.

• 

  Orange

  • London, England, United Kingdom

  • Interconnect Analyst

    • Jan 1999 - Jun 2000
    • London, England, United Kingdom

• 

  MCI WORLDCOM Communications Inc

  • London, England, United Kingdom

  • Interconnect Analyst

    • Oct 1997 - Jan 1999
    • London, England, United Kingdom