Experience

Principality Building Society

• Financial Services
• 700 & Above Employee

• Compliance and Conduct Manager - Policy

  • Mar 2015 - Present

  Providing leadership to the Compliance and Conduct Advisory team and also being responsible for the implementation and embedding of the Principality Groups compliance and conduct policies and control frameworks ensuring the business consistently delivers good customer outcomes. Advising on regulatory developments to ensure that all current and emerging requirements are understood, their impact on the Group assessed and the business areas fully informed as to the nature and effect of relevant regulatory requirementsIn undertaking the above, keeping abreast of the emerging UK and EU compliance and conduct agenda, enabling the Group to anticipate changes in a timely manner. Ensuring requirements are understood, their impact on relevant Group businesses assessed and the areas fully informed as to the nature and effect of relevant regulatory requirementsDriving the implementation of the Group's policies and frameworks for managing compliance and conduct risk and ensuring that we consistently deliver good customer outcomesProviding proactive advice, guidance and challenge to relevant Group businesses (self and team) on compliance and conduct matters and the implications arising from a regulatory perspective in pursuing and executing business strategy, enabling the business to meet their regulatory obligationsLeading and managing others who are involved in providing the above adviceActively involved in major projects that require conduct and compliance direction, interpretation and challenge making sure that the end result is compliant with and aligned to the Group's customer objectivesBuilding strong, credible proactive relationships with key stakeholders across the business in providing the above advice and guidance. Developing and maintaining appropriate systems and controls for ensuring that the business meets requirements in relation to financial promotions



Friends Life UK

• United Kingdom
• Financial Services
• 200 - 300 Employee

• Regulatory Developments Manager

  • Mar 2014 - Mar 2015

  Managed and supported the Regulatory Developments Team in providing the business with the identification, interpretation and guidance relating to EU and UK regulatory change to ensure Friends Life UK remained compliant with current requirements.Responsible for the identification and analysis of EU and UK regulatory change initiatives that impacts upon Friends Life UKEnsured all relevant regulatory change was interpreted and communicated to the relevant Senior Management, business areas in a format that they understood and actionedDelivered verbal briefings and analyses to a wide range of stakeholders including Senior ManagementBuilt relationships and worked with a wide range of stakeholders in determining the firms views on proposals and the appropriate mechanism for regulatory responsesDelivered positioning papers, response documents and other analytical pieces for a variety of audiences including the Friends Life CEO and CROOwned the Regulatory Change Tracker, Timeline and Regulatory Developments PlanMotivated, coached and developed the Regulatory Developments Team to ensure they provided appropriate oversight and challenge to the business in the delivery of regulatory changeLed on and represented the firms views in discussions with the regulator and at all major industry bodies, articulating positions and playing a proactive role in Friends Life UK regulatory responses

• Senior Compliance Policy, Guidance & Oversight Adviser

  • May 2013 - Mar 2014

  Supported the Senior Compliance Director in providing the business with practical compliance guidance in relation to FCA regulation and ensured that policies and processes remain compliant with the requirements and standards expected.Responsible for providing internal and external stakeholders with an objective view of the regulatory risk profile and effectiveness of compliance controls across the business by undertaking various independent assessment, policy oversight, guidance, assurance and/or monitoring activitiesProvided authoritative interpretation and guidance around FL regulatory policy, including oversight and operation of agreed standards by business areas against stated risk appetiteProvided input, support and challenge in relation to key product / proposition development initiatives and regulatory changeAnalysed, communicated and tracked emerging regulations and priorities and delivered briefings on the implications for Friends Life and coordination of regulatory response documentsEngaged with internal stakeholders, approved persons and senior management to gather intelligence, assess the regulatory risk profile for their business areas and helped to embed appropriate compliance cultureChallenged and influenced the effectiveness of key business control points/teams and, through visible and credible participation in established governance arrangements, the management of regulatory risks by Friends Life 3rd party suppliers/outsourcers Ensured that appropriate remedial action was taken by the business in respect of issues and risks identified tracking through to closureProvided induction/supervision in respect of other Compliance Specialists as requiredDelivered accurate and timely MI for senior management, setting out the regulatory risks with reference to strategic, commercial and customer imperatives

• Compliance Technical Advice Specialist

  • Dec 2011 - May 2013

  Compliance lead for the implementation and delivery of the Retail Distribution Review (RDR) across Friends Life UK, successfully delivered December 2012Advised on FCA rules and how they affected new propositions, new products and changes to existing products, the training and management of operational staffProvided ongoing support and involvement during projects to ensure that the business was managing the risks and regulatory issues in line with group policies and risk appetiteIdentified, assessed and advised on the mitigation of risks for projects & initiatives at the initial stages, including how they impact the existing risk profile of the businessSupported the development and maintenance of compliance standards for the businessDelivered papers at project board, divisional and executive committeesRaised awareness of proposed FCA rule changes, helped assess the impact and gave the business advice on implementing process changesWorked with the business where FCA rules were not being followed, to identify causes, agree solutions and notify the FCA when necessary



Capita Life & Pensions

• Life & Pensions Compliance Adviser

  • Sep 2009 - Dec 2011

  Providing clear, pragmatic guidance and support to the business on regulatory issues, regulatory change and assist the business in identifying impact and putting in place implementation plans to support the development of procedures and controls as required. Accountabilities include:Maintenance of a comprehensive understanding of the FSA, AML, DPA, and other industry requirements and standards as they affect the business and provide advice accordingly.Reviewing processes, customer records and management information to identify risks with regulated activity and provide associated guidance and support to the business.Providing input and support to the production of Compliance operational and management reports.Supporting the provision of compliance related training to the business.Ensuring that breach / audit actions are addressed and fulfil regulatory requirements.Assisting the Capita Management team in meeting contractual obligations with business partners.Representing Compliance on projects and provide appropriate challenge, advice and guidance.Developing, operating and maintaining compliance operational processes.Leading and supporting Capita compliance projects.



Legal & General

• United Kingdom
• Financial Services
• 700 & Above Employee

• Risk & Operational Support Consultant

  • Oct 2004 - Sep 2009

  Supporting the Divisional Risk Director in the oversight of regulatory breaches / control failuresIdentifying breaches with significant impact and ensuring timely and effective action is takenAnalysis of management information and business processes to identify areas of risk and working with the business to ensure appropriate action is takenDevelop and maintain relationship with key business areas offering regulatory and technical supportProvide effective project management skills to ensure regulatory change is understood and adopted in a timely mannerUndertake audits of operating procedures, identifying issues, providing recommendations and contributing to business cost savings whilst remaining within the regulatory framework



Legal & General

• United Kingdom
• Financial Services
• 700 & Above Employee

• Pensions Technical Team Manager

  • 2001 - 2004

  Set up a team of 3 technical consultants to provide both proactive and reactive pensions technical support to Legal & General back office administration staffSigned off as competent Overseer within 12 months of appointmentSigned off as a complaint handler and responsible for the monitoring of pension related complaints to identify trendsInitiated changes to business processes in response to regulatory and legislative changes Provided technical support to business-run projects to ensure compliance with regulationPresented staff briefings and created explanatory notes to address topical issues, legislation changes and issues causing significant concern



NPI

• Paraplanning Team Manager

  • 1997 - 2001

  Recruited & trained a new team of 7 Paraplanners to give technical support and provide a customer advice report creation facility for the NPI Direct Sales Team Provided quality assurance of team’s work through case reviews, giving constructive feedback based on findings to team members and Sales TeamManagement accountabilities included, allocation of work, 1 to 1s, annual appraisals, objective setting, mentoring and problem solving Recruited & trained a new team of 7 Paraplanners to give technical support and provide a customer advice report creation facility for the NPI Direct Sales Team Provided quality assurance of team’s work through case reviews, giving constructive feedback based on findings to team members and Sales TeamManagement accountabilities included, allocation of work, 1 to 1s, annual appraisals, objective setting, mentoring and problem solving