Experience

Hampden & Co

• United Kingdom
• Banking
• 100 - 200 Employee

• Chief Risk Officer

  • Jul 2022 - Present



Lloyds Banking Group

• United Kingdom
• Financial Services
• 700 & Above Employee

• Chief Risk Officer, Islands Banking

  • Apr 2021 - Jul 2022

  Senior 2nd Line Risk role responsible for the oversight of LBG’s off-shore banking, which includes Retail, International, Commercial and Asset Finance business.

• Head of Customer Strategy, Pensions & Investments

  • Nov 2019 - Apr 2021

  Responsible for developing a pan-product Pensions & Investment customer strategy. Owner of all Direct to Customer sales processes in Scottish Widows. Responsible for the end-to-end Customer Retirement Journey. Accountable for implementing the FCA’s Retirement Outcomes Review to help customers better understand their retirement options and investment choices.

• Head of Workplace Propositions, Insurance & Wealth

  • Mar 2019 - Oct 2019

  Secondment as Head of Scottish Widows Workplace Proposition (Group Personal Pension), which had 2.4m customers, £38bn assets under administration and PBT of over £260m. Responsibilities were to develop and manage the Workplace proposition to deliver financial targets and good customer outcomes.

• Head of Customer Solutions, Insurance & Wealth

  • Mar 2016 - Feb 2019

  Senior role responsible for leading and developing the Division's approach to customer remediation strategy ensuring fair and consistent outcomes for customers.

• Head of Consumer Finance Asset & Liability Management

  • Jun 2013 - Feb 2016

  Senior role within Group Corporate Treasury leading and developing the Asset & Liability Management function for the Wealth, Asset Finance & International and Consumer Finance Divisions. The role covered a range of diverse and International businesses.

• Consultant

  • Feb 2012 - May 2013

  Engaged as a consultant to build the Asset & Liability Management capability for TSB, which had to be carved out and divested from LBG (Project Verde). Key responsibilities included:Recruitment of ALM team, development of operating model, policy & practice, committee governance and ToR, systems & processes, management information and regulatory reporting.Planning a complex project covering change management, data migration, systems and process testing.Set up of a Transitional Service Agreement for the supply of Market Risk and Liquidity Risk services from LBG to TSB. Building effective relationships and stakeholder management across LBG. Show less



Northern Rock

• Banking
• 100 - 200 Employee

• Consultant

  • Mar 2011 - Nov 2011

  Engaged as a consultant to develop Northern Rock’s finance and treasury capabilities, prior to its return to the private sector from public ownership. Reviewed and improved securitisation processes and controls, developed and delivered securitisation training for staff across all functions, and led work to meet new Bank of England securitisation regulatory requirements. Enhanced financial management capability through selection & implemention of ALM software, and delivery of training & knowledge transfer to up-skill staff. Reviewed profitability measurement techniques and recommended improvements to methodology and practice. Show less



Nationwide Building Society

• United Kingdom
• Financial Services
• 700 & Above Employee

• Head of Lending, DBS

  • Apr 2009 - Jun 2010

  Retained line management responsibilities of the Commercial Director role for DBS following the acquisition of its retail business by Nationwide Building Society. Was the Nationwide executive responsible for successfully delivering a complex 15-month project that involved business restructuring, data migration and TUPE. Retained line management responsibilities of the Commercial Director role for DBS following the acquisition of its retail business by Nationwide Building Society. Was the Nationwide executive responsible for successfully delivering a complex 15-month project that involved business restructuring, data migration and TUPE.



Dunfermline Building Society

• Commercial Director

  • Oct 2008 - Mar 2009

  Main Board position for an organisation with £3bn total assets and 500 employees with executive responsibility covering the development of Social Housing lending, Commercial lending (where the remit was to exit the activity in a controlled manner), Credit Risk for all DBS lending and residential mortgage processing.

• Operations Director

  • Apr 2006 - Sep 2008

  A main Board role with responsibility for IT, Customer Support (back-office), Customer Knowledge (customer behaviour analysis and modelling), Change Management, and Credit Risk. Assumed Executive Sponsorship for major technology and change programme. Executive Sponsor of Basel 2 implementation.

• Finance Director

  • Jun 2001 - Apr 2006

  A Main Board position. Responsibilities included corporate finance and funding, capital raising and investor relations, development of financial policy and strategy, statutory and regulatory reporting, tax compliance and planning, financial risk management and ALCO process, financial control, financial forecasting, capital adequacy, corporate planning and profitability measurement.Financial expertise and achievement recognised in 2006 - won the prestigious Scottish Young FD of the Year award following a nomination, short-listing and panel interview process. Show less

• Treasurer and General Manager, Treasury & Planning

  • Jul 1997 - Jun 2001

  Responsible for Treasury Management and Balance Sheet Planning. Led set up of a formal leading edge balance sheet risk (ALCO) protocol. Led mortgage pricing and retention strategy work that improved asset yields. Developed treasury and risk management policy and introduced a range of liquidity, funding and derivative instruments to manage risk and support business growth. Led relationship with credit rating agency and investment banks, which helped ensure availability of credit and facilities commensurate with business need. Replaced treasury management and risk system and implemented a formal ALM process to improve margin and funding management. Show less