United Kingdom
Commercially minded Senior Vice President specialising in Conduct Risk, Regulatory Change, and Global Compliance Governance. With over 15 years’ experience across Citi and Santander, I’ve led the design and implementation of conduct, operational risk, and assurance frameworks across complex, multi-jurisdictional businesses. My focus is on building governance structures that meet regulatory expectations while enabling sustainable commercial growth. I’ve delivered large-scale change initiatives that embed conduct and compliance standards under FCA/PRA oversight — from developing global conduct risk frameworks and managing conflicts of interest to driving ring-fencing adherence and strengthening control self-assessment programmes. Known for partnering with senior executives to translate complex regulation into practical, business-ready solutions, I take a collaborative, forward-looking approach that aligns governance, culture, and performance. Specialties include: Conduct & Operational Risk Frameworks | Governance & Controls | Regulatory Change Management FCA/PRA Conduct Requirements | Conflicts of Interest | SMCR | Product & Client Governance Compliance | Risk Culture | Senior Stakeholder Engagement Passionate about driving responsible growth through strong conduct culture, regulatory excellence, and data-led compliance innovation.
Senior Vice President leading Conduct Risk and Governance initiatives across Citi’s global businesses, driving the design and enhancement of frameworks that align with evolving regulatory expectations (FCA, PRA, and global standards). Lead delivery of Conduct Risk programmes spanning governance, accountability, conflicts of interest, and control effectiveness across multiple regions. Partner with global stakeholders in Compliance, Operational Risk, and Product Governance to ensure conduct and culture principles are embedded across front-office and support functions. Oversees implementation of regulatory change initiatives, translating policy into practical frameworks that enhance control assurance and transparency. Champions the integration of data-led compliance tooling and risk insight dashboards to strengthen monitoring and reporting capability. Influence senior governance committees, providing insight on conduct trends, control effectiveness, and emerging regulatory risks. Impact: Strengthened global conduct governance and improved regulatory alignment through enhanced oversight, proactive risk management, and a collaborative culture of accountability and integrity.
Led Conduct and Operational Risk oversight across Santander Corporate & Commercial Bank, embedding frameworks that ensured compliance with FCA/PRA expectations and supported the UK Ring-Fencing programme. Designed, implemented, and enhanced Conduct and Operational Risk Frameworks across first and second lines of defence, improving control maturity and assurance capability. Owned conduct risk oversight and reporting processes for key themes including Conflicts of Interest, Customer Outcomes, Product Governance, and Regulatory Compliance. Directed execution of the Risk Control Self-Assessment (RCSA) framework, ensuring effective identification, monitoring, and remediation of key risks. Delivered training, governance reporting, and continuous improvement initiatives to strengthen first-line accountability and conduct culture. Partnered with senior stakeholders across Compliance, Risk, and Business functions to drive consistent governance and regulatory adherence. Impact: Enhanced conduct oversight and control effectiveness, delivering measurable improvements in governance quality, reporting transparency, and cultural alignment across the Corporate & Commercial division.
Designed and embedded the Conduct Risk Framework for Business Banking, ensuring marketing, product design, and client communications adhered to FCA standards and governance expectations. Presented conduct governance proposals at the Executive Risk Forum, influencing board-level decision-making on customer outcomes. Owned marketing and strategic initiatives across Business Banking alliances — including insurance, merchant acquiring, and digital support providers — aligning third-party activities with conduct and risk appetite requirements. Led development of complaints and customer experience frameworks, establishing KRIs and remediation plans that improved satisfaction and regulatory compliance. Managed stakeholder relationships across Compliance, Legal, and Senior Executives to secure approvals for marketing collateral and campaigns. Delivered targeted marketing programmes that exceeded performance objectives while maintaining strong conduct governance. Impact: Enhanced customer outcomes, strengthened compliance oversight across marketing activities, and influenced conduct governance integration across the wider Business Banking division.
Selected for Santander’s prestigious Future Leaders Programme — a rotational scheme designed to accelerate leadership readiness across risk, operations, and business management. Key Projects & Achievements: Project Manager: Directed the risk workstream supporting Santander’s £1.6bn acquisition of RBS and NatWest branches, managing development, testing, and rollout of strategic risk decision tools impacting 244k SME and 1,200 mid-corporate clients. Chief Operating Office (COO): Developed and presented a proposal for paperless banking adoption, balancing regulatory, data, and operational considerations — presented directly to the UK COO. Relationship Manager: Managed covenant monitoring, credit applications, and multi-product client portfolios, driving business growth through innovative funding solutions. Impact: Built a broad foundation in governance, risk, and leadership — gaining first-hand experience in large-scale transformation, client relationship management, and regulatory change.