Daniel Alter Email & Phone Number

Espoo, Uusimaa, Fi

Everywhere, Oo

Responsible for design and implementation of an enhanced global risk management framework across our group regulated entities covering:- UK- Lithuania- United States- Australia- SingaporeEnhancements include:- Risk Taxonomy- Risk Appetite Framework- Risk Management Framework- Risk Committee- Responding to audits- Enhancing Risk reporting and operational loss tracking- Risk Training- Designing the Risk TOM- RCSAs- Policies and Procedures- Maintaining GDPR compliance- Developing the vendor due diligence frameworkOther responsibilities include:- Producing the group-wide wind down plan- Leading the response to FCA s166 investigations, and subsequent remediation

London, England, Gb

Key responsibilities include:- Designed Risk and Control Self Assessments (RCSA) delivery process- Implemented RCSAs- Designed and Implemented Control Framework- Lead on delivery of Operational Resilience requirements- Designed and Implemented QC and QA Framework- Oversee Bank-wide Complaints Management- Intermediary Management Oversight- Enhanced the financial crime approach to QC and QA, and built out an improved training and competence scheme- Designed an operations maturity assessment- Redesigned and implemented the first line of defence Target Operating Model- Recruited and built out first line risk team- Support and co-ordinate completion of first line process maps- Roll out training for first line risk colleagues

London, England, Gb

Compliance and Financial Crime- Set up and built out Compliance and Financial Crime function, including the recruitment of a full team.- Produced and execute Compliance Monitoring Plan- Set up Horizon Scanning programme - Responsible for managing regulatory interaction- Designed and built automated approach to managing Conflicts of Interest and Gifts and Entertainment- Set up Compliance Advisory ticketing system, and provide risk and regulatory advice to 1LODRisk- Oversee the management of Op Risk and incident reporting- Development and enhancement of a risk dashboard, including the refinement of risk definitions and triggers and tolerances.- Produced strategic risk register for the Board- Led project to develop a Risk Maturity Model- Performing Risk and Control Self Assessments- Liaise with Parent Entity and Group based in Australia in order to provide relevant risk reportingInternal Controls and Governance- Development of firm-wide internal control framework including Policies, Processes, Procedures, RCSA and monitoring plans- Supported with set up of Executive Risk Committee, and Board Risk Committee, and have ongoing responsibility for producing committee reports- Implementation of SM&CRFCA / PRA Regulatory Authorisation- Supported Pepper Money to obtain FCA authorisation- Supported with RBP for Banking application- Development of minimum compliance and financial crime requirements for Bank- Supporting due diligence of savings platform providers- Supporting with Pillar 2a scenario planningChange and Transformation- Supported with the extraction of a mortgage lending division from an established business and the set up of an independent legal entity authorised by the FCA to undertake mortgate lending - Supporting with the acquisition and integration of a subsidiary mortgage lender (Optimum Credit Limited)

Worldwide, Oo

Specialist in providing regulatory risk advice in the area of retail conduct and financial crime with a particular focus on: - Banking- Consumer Credit- Mortgages- Payments- Complaint Handling- GovernanceAreas of experience include:- s166 Skilled Person Reviews- FCA Authorisation Support- Performing Regulatory Health Checks- Product Suitability- Training and Competency Framework Reviews- Horizon Scanning- Outcome Testing Frameworks (including designing and testing outcome testing toolkits)- Policy Reviews- Regulatory Due Diligence- Compliance Effectiveness Reviews - Internal Audit - Planning, Design Effectiveness, Operational Effectiveness, Fieldwork- Management Information Reviews- Complaint Handling ReviewsNotable advisory clients include:- Lloyds Banking Group- TSB Bank- Barclays Bank/Barclaycard- Credit Suisse- Close Brothers- Paypal- FCA- Volkswagen Financial Services- FCE Bank (Ford Money)- Home Retail Group (Argos)- Motability OperationsIn addition to advisory projects, I also worked on the following secondments:FCA Supervision Department - Worked in the Mortgages & Mutuals' Thematic Review Team on the post-implementation thematic review of the Mortgage Market Review (MMR) with a focus on quality of advice.TSB Bank - Performed post-implementation review of CONC across unsecured credit linesLloyds Banking Group - Performed conduct risk review of packaged bank accounts, in particular focussing on appropriateness of sale. Additional non-client facing roles and responsibilities included:Lead for Quality and Risk Management within Deloitte Compliance and Operational Risk Unit. Responsibilities included:- Answering ad-hoc queries (e.g. engagement contractuals, client take on, project financials)- Designing and delivering training- Supporting with change and transformation e.g. the GDPR change programme

London, Gb

- Developed training and compliance procedures - Consumer Credit SME- Analyse complaint data and produce reports- Perform QA- Support 1st Line with managing complaints- Perform complaint root cause analysis- Conduct mortgage complaint investigations- Liaise with the Financial Ombudsman Service - Understanding of MCOB, AML regulations, policies and procedures.- Experience in dealing with FCA regulated 1st charge loans, CCA regulated 2nd charge loans and BTL mortgage complaints.- Managing Transfer of Equity applications, Consent to Let applications and the mortgage redemption process.- Understanding of mortgage litigation processes for England & Wales, Scotland and Northern Ireland.

London, Gb

Conducted investigations into complaints made as a result of disputes between consumers and financial businesses. Specialised in retail banking and consumer credit. Extensive knowledge of the Consumer Credit Act 1974, Office of Fair Trading's guidelines and FCA Handbook.

London, Uk, Gb