Loughton, England, United Kingdom
Experienced Risk and Compliance professional within Financial Services with a range of skills and experiences developed from working in UK Retail Banks, FinTechs and Big 4 consulting. Skilled in UK regulatory compliance, regulatory change, managing first line of defence risk teams and developing the risk and control agenda within challengers and start up banks.
Leading risk and control squads across Monzo’s Chief Operating Office. An influential role, setting and executing the risk and controls strategy for Financial Crime, Customer Operations, HR, Third Party risk management operations and Legal. Responsibilities include: - Partnering with leadership teams across within the COO, building knowledge and understanding of typical risk and control activities and embedding the banks enterprise risk management framework - Managing multiple small teams undertake a range of risk and controls activities such as RCSAs, Control Testing, oversee Issues and Actions, compliance rules mapping for key banking regulations and managing incidents - Enabling product, engineering and data teams to ship safely and quickly through designing and implementing change governance procedures - Partnering and shaping large scale change or remediation programmes for key regulatory focus areas such as financial crime controls, third party risk, operational resilience and consumer duty - Regularly writing formal reports, board papers and regulatory memos on behalf of the Bank - Developing governance processes, supporting change delivery and commercials for new and emerging technologies including Artificial Intelligence, Large Language Learning Models, and navigating third party procedures for exciting technology vendors
- Experience of rule mapping for a new digital bank seeking to build products and services across a brand new banking platform. The scope of regulations covered areas such as Conduct, Financial Crime, Governance and Prudential rules with a view to designing regulatory controls - Experience of leading the development of a programme within one of the fastest growing FinTech firms focussed on achieving UK regulatory compliance through management of risk issues across the entire business - Experience of working with a large global payment service provider and a new challenger bank to gain authorisation to operate as a Branch / new entity within the UK - Experience of undertaking regulatory gap analysis across large Retail Banks covering a range of UK regulatory requirements including the FCA handbook, PRA rulebook, PSD2, GDPR, BCOBS and CONC - Experience of undertaking Financial Crime risk and / or control assessments for UK based firms Skills include: - Regulation – Knowledge and experience of undertaking gap assessments of EU/UK regulations and supporting clients with regulator applications - Regulatory change – Experience in supporting the implementation of regulatory changes such as PSD2, UK Regulatory applications, GDPR, SM&CR, JMLSG - Knowledge of the UK Retail Banking market - with particular experience in personal products, consumer distribution channels and conduct risk - Payment firms and Challenger banks - as a result of supporting global payment service providers gain authorisation in the UK and working with First and Second Line Controls and Compliance teams within emerging challenger banks to adhere to UK regulatory requirements
Operational Risk • Undertaking Operational Risk Management activities such as Control Environment Certification, reviewing Operational Risk Assessments, Gap Analysis completion for Bank Policies and Event and Data Loss Management • Collaborating with Product stakeholders to enhance customer experiences and ensure sales processes meet conduct risk policy standards Project Management • Accountable for developing, assessing and signing off Business Requirement Documents, Business Operating Models, Operational Risk Assessments and training documents associated with Transformation Programmes, covering multiple work streams. • Quorum member of a number of high profile work streams across the Bank and Operational Planning boards for Personal Banking where strategic decisions are made Leadership • Currently a top performing line manager against peer group for the Personal Banking, Quality and Control Leadership team • Individually selected by the Managing Director of Private Banking as the lead of Risk and Control for Private Banking covering a range of risks, issues, work streams, forums, legal cases and risk committee executive briefings • Listed as the First Point of Contact in the division for Incident Management responses to critical incidents and defined as a key decision maker on a 24/7 rota • Centrally coordinating responses on behalf of Personal Banking network following Security related incidents such as raids, threats and protests. • A key member of Senior Manager forums; Anti Bribery and Corruption Accountable Executive Forum and Customer Due Diligence PCMs and empowered to make decisions impacting the Retail Network
• Responsible for managing Risks, Issues and Events for Branch and Private Banking in line with the Banks Operational Risk framework • Responsible for ensuring NatWest Branch and Private Banking adhere to Conduct and Financial Crime policies such as Anti Money Laundering (AML) and Anti Bribery and Corruption (ABC). • Developed the metrics behind the Assurance Testing model used across the Branch and Private Banking network impacting over 10,000 staff incentives • Completing Control and Customer Outcome forum papers and regularly tracking Key Risk indicator Performances across the Branch and Private Banking network to provide key insights
The Retail Business Leadership scheme consisted of four placements within UK Retail. Risk Analyst, Customer Contact (Placement 4) April 2013 – August 2013 • Project manager of MyControls implementation into Customer Contact environment • Creating a culture that empowers team members and stakeholders to challenge the norm and be passionate about internal controls • Working closely with Risk, Compliance and HR to gain buy in, support and leverage. Key achievements include: • Analysed high volumes of data around Systems Access of over 4000 staff to produce a succinct proposal to Senior Management in which the recommendations were accepted and implemented. • Managed an internal project with several stakeholders geared towards reviewing and significantly improving internal controls framework across the Customer Contact estate. Senior Change Analyst, Retail Change Management (Placement 3) September 2012 – April 2013 • Lead Change personnel redesigning the operating model of Fixed Rate Bonds products on the Retail market. • Chairing meetings with stakeholders to discuss project updates, milestones, risks & issues • Familiar use of project management tools such as PlanView, MSP & Visio • Producing Customer Journey’s Key achievements include: • Awarded a Helpful Banking Hero Award by senior management when taking the lead role in implementation of new software for UK Retail branch staff and overcame various obstacles to ensure successful launch • Designed new processes for Bond products that were implemented into Branch, Customer Contact, the online channel and a Retail Processing Operations centre. Branch Banking (Placements 1 and 2) September 2011 – September 2012 • Management and admin duties within the branch such as MyControls, huddles, coaching, opening and closing of the branch.