Experience

Joslin Rhodes Pension & Retirement Planning

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Head Of Compliance and Business Services

  • Apr 2022 - Present

• Compliance Manager

  • Jun 2021 - Apr 2022

• Compliance Officer

  • Jul 2020 - Jun 2021



PlanHappy Investment Management Limited

• Compliance Oversight (SMF16) and Money Laundering Reporting Officer (SMF17)

  • Aug 2021 - Present



Apricity Compliance

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Technical Consultant

  • Apr 2019 - Jul 2020

  As the Technical Consultant, my role is to be the focal point within the organisation for all regulatory changes and to provide guidance and advice to clients on complex or regulatory queries.Responsibilities• Identifying, interpreting and communicating upcoming regulatory changes to both internal board and clients. Ensuring that any potential impacts are identified and where possible solutions offered or recommended• Completion of client returns including FCA GABRIEL returns• Applying, amending and removing of regulatory permissions and appointed representatives for clients using FCA Connect and completing all applicable supporting documentation• Designing and implementing a support package for clients who wish to become directly authorised with the FCA. Including the creation of all supporting application documents, business plans, supporting statements etc• Support implementing the Senior Manager & Certification Regime (SM&CR) for both Core and Limited scope firms. This has included onsite training for firms and boards, creation of new policies and processes, implementation reviews and signoff and ongoing support for firms both during and after implementation• Creation of bespoke training packages and workshops designed around a client’s requirements and regulatory obligations. This has included delivering training for new compliance officers (SMF16), in-post refresher training for Money Laundering Reporting Officers (MLRO) (SMF17), training to boards of directors and workshops to both sales and compliance teams• Design and presentation of monthly online webinars on a variety of financial subjects including GDPR, Fifth Money Laundering Directive, SM&CR, FCA Business Plan, Financial Promotions and Vulnerable Customers• Writing of articles both for the firm’s website and industry press on regulatory changes and compliance issues• Production of guidance and analysis relating to up and coming regulations within the UK and internationally



Post Office Ltd

• United Kingdom
• Retail
• 700 & Above Employee

• Financial Crime Manager

  • Mar 2017 - Apr 2019

  As a Financial Crime Manager my role was predominantly to assess and mitigate Financial Crime risks throughout the businesses including HMRC regulated Money Service Business (MSB) activities and Financial Conduct Authority (FCA) regulated products and services. Responsibilities • Financial crime risk assessment and assurance• Design and development of financial crime risk methodology• Updating the Financial Crime policy suite inline with regulatory change• Identifying, interpreting and delivering practical solutions for upcoming changes or trends, in FCA and HMRC regulations and identifying any products or services which will be impacted• Mediation with regulators including the FCA and HMRC and industry bodies• Deployment and maintenance of product-specific financial crime processes• Monthly activity reports for management • Financial Crime investigations, including auditing and attendance at non￾conforming branches• Design and delivering of bespoke training both to the branch network and back￾office staff• Regular review of fraud and loss risk incidences, to identify patterns and emerging trends• High-level reporting to senior managers following incidents or identified risks• Acting as the point of contact and subject matter expert for complex queries including Financial Sanctions and regulatory compliance• Reviewing and responding to governmental and regulatory (including FCA) consultation papers, either responding directly on behalf of Post Office or working with industry bodies (such as UK Finance) to produce an industry-wide response.• Stakeholder management



Thistle Initiatives Group

• Senior Compliance Associate

  • Oct 2015 - Mar 2017

  I was a Senior Associate within a Financial Services compliance consultancy. My role was predominantly to provide advice to clients including high street brands, leading financial institutions and specialist or emerging businesses areas such as financial technology. Responsibilities • Conducting Financial Crime Risk Assessments to assess a client’s exposure either following an incident of financial crime or to review potential exposure • Regulatory gap analysis of client’s systems, controls, processes, policies and procedures to identify any shortcoming and make recommendations on how to mitigate identified risks• Ongoing compliance support to clients including completing enhanced due diligence upon suspected Politically Exposed Persons (PEPs) and Sanctions. This has also included providing advice upon making suspicious activity reports• Project Management including being part of the procurement process, creation of tenders, terms of reference, budget allocation and control• Creation of bespoke training packages and workshops designed around a client’s requirements and regulatory obligations. • Conducting auditing of client sites in line with regulatory obligations, including completing file reviews, interviewing senior management and board of directors• Writing bespoke reports, advice letters and designing policies and procedures for presentation to compliance officers, board of directors or a regulator - Financial Conduct Authority (FCA), HMRC etc



Financial Ombudsman Service

• Complaint Adjudicator

  • Sep 2011 - Oct 2015

  My role was to review cases of mis-sale of insurance and associated products. Responsibilities • Conducting investigations of complex cases, using technical knowledge of FCA rules and its wider legal framework to resolve disputes between contracting parties• Application of relevant Financial Jurisdictions: DISP, ICOB, MCCB etc• Manage a high volume of cases, assessing the complexity and escalating where appropriate • Handling privileged information and consumer details in compliance with statutory obligations, this includes storing and sharing confidential information securely • Prioritise time-sensitive cases, ensuring results are delivered promptly. Manage conflicting prioritise based on the individual needs of the contracting parties • Training and mentoring new members of the team; sharing my experience and knowledge • Progressing cases through to its conclusion and issuing a judgement based on the evidence present and financial regulations in a timely way• Strong opinion writing skills• Taking into account the Financial Ombudsman Services values on dispute resolution• Working on a range of projects using my initiative to research financial products or institutions to meet project deadlines • Good understanding of the Financial Services regulated environment and applicable legislation• Updating processes and working practice in line with changing legislation and regulations• Managing the expectations of internal and external stakeholders; ensuring that all artists are aware of the progress of a case as well as diplomatically managing any objections or challenges that may arise• Selected to brief heads of other departments on changes in workstreams to ensure consistency across the business.



Welcome Financial Services Ltd

• Financial Services
• 1 - 100 Employee

• Case Handler

  • Sep 2010 - Jan 2011

  • Considering complaints in comparison to business MI data• Writing training guides for particular case types• Opinion writing skills• Considering company processes and aims in relation to dispute resolution• Ensuring the operation of agreed procedures for the handling of complaints• Escalating complaints where required• Providing appropriate assistance in respect of external regulatory investigations• Communicating professionally both verbally and in writing with consumers and other element of the business



Village Estates

• Real Estate
• 1 - 100 Employee

• Sales Negotiator

  • Sep 2009 - Sep 2010

  • Responsible for the maintenance of customer accounts where a client was in rental or landlord arrears. Required to contact customers over the phone and in writing to discuss further action. • Considering potential new clients’ identification, the origins of their money and intentions inline with customer due diligence (CDD) and Anti Money Laundering (AML) legislation• Reporting potential money laundering suspicions to the appointed officer• considering previous sales and account activity to estimate future activity• Negotiating sales by utilising fluent verbal communication skills. . • A high degree of patience, good listening and solid communication skills were needed• Generated new deals in terms of sales through management of the sales and rental portfolio• Managed the advertising and sales of a new building project from inception through to completion