Carl Coughlan - Mcmi, Cior, Cemap Email and Phone Number

Leading and managing an independent team of Commercial Contract Auditors and Supplier Managment of the Audit Framework Partners. Responsible for undertaking and performing a programme of commercial contract audits, providing assurance that costs incurred are in line with commercial agreements and recovering any value leakage and identifying contract improvements.Development and delivery of the annual audit programme reviewing commercial contracts that are of high material value and significance to Yorkshire Water. A high-profile role that requires significant audit, assurance experience and knowledge of commercial contracts and contract management.

Treasurer

Effectively managed 30 ISA managers, 4000 conveyancers, 8 lenders and c£1M of financial transactions a day, overseeing contractual compliance, brand integrity, risk and control frameworks for HM Treasury’s flagship Help to Buy ISA and Mortgage Guarantee Schemes. • Developed and implemented the Help to Buy governance, compliance and quality strategy, defining frameworks, audit risk control processes and policies, along with taking ownership of the first line risk and controls framework• Ensured scheme users complied with the Help to Buy rules and brand standards at all times, providing advice and guidance on day to day negotiations and complexities• Created and agreed the service review board’s compliance and risk monitoring reporting procedures, to ensure compliance oversight at all levels• Effectively managed Assurance of Lenders mortgage guarantee claims• Produced articulate reports and presented regularly to the Help to Buy Service Review Board and Operating Committee, detailing scheme compliance and quality• Successfully completed site migration and closure project

Effectively managed 30 ISA managers, 4000 conveyancers, 8 lenders and £1M of financial transactions a day, overseeing contractual compliance, brand integrity, risk and control frameworks for HM Treasury’s flagship Help to Buy ISA and Mortgage Guarantee Schemes. • Developed and implemented the Help to Buy governance, compliance and quality strategy, defining frameworks, audit risk control processes and policies, along with taking ownership of the first line risk and controls framework• Ensured scheme users complied with the Help to Buy rules and brand standards at all times, providing advice and guidance on day to day negotiations and complexities• Created and agreed the service review board’s compliance and risk monitoring reporting procedures, to ensure compliance oversight at all levels• Effectively managed Assurance of Lenders mortgage guarantee claims of £1.4B liability • Produced articulate reports and presented regularly to the Help to Buy Board and Operating Committee, detailing scheme compliance and qualityProject Lead GDPR Implementation & TUPE transition to AtosProject sponsor undergraduate apprenticeship scheme

Managed a financial budget of £1M overseeing Her Majesty’s Treasury reputational risk management, governance of the Help to Buy Mortgage Guarantee Scheme framework and the internal and external audit of UKAR Corporate Services, while managing the integrity of the brands.• Ensured full compliance with MGS rules and regulations, delivering the lender scheme audit plan and implementing bespoke audit services • Established exceptional relationship management with Lenders Audit, effectively collating feedback to improve the service

Responsible for the management of UKAR's outsourced operations, including commercial contracts with KPMG, HML, Hazell Carr, Iron Mountain, Cintas, JP Morgan, Banctec, TNS and Worldpay, ensuring the integration of governance and financial control measures. • Enhanced service delivery, systems and controls through implementing operational efficiencies and streamlining systems• Managed outsourced suppliers compliance to the agreed relationship model, while developing the business strategy through innovative solutions & partnerships• Controlled supplier contract life cycles totalling £10M, maximising value and dealing with issues quickly and effectively, noting lessons learned for a process of continuous improvement • Ensured compliance with all regulatory authorities and chaired the executive supplier governance meetings, instilling confidence in senior management through regular, articulate reporting

Led the remediation project on time and to budget, agreeing processes, policy procedures and creating business solutions to address the claims of over 175K customers.• Managed PPI claims across the UK and New Delhi, collaborating with the FCA on the PPI thematic team to ensure guidelines and regulations were being followed, as well as monitoring project governance and preparing weekly updates for the executive community• Reported to the Executive Sponsor of Northern Rocks Payment Protection Insurance Past Business Sales Review, dealing with a £250M compensation provision, monitoring performance and filing regular progress reports & reviews• Oversaw an outsourced offshore solution in New Delhi, providing regulatory reports and monitoring progress of the results of the remediation programme• Ensured robust FCA reporting and oversight for the PPI thematic, along with continuous monitoring of compliance

Annual reportingVAT returns and queriesInvoicing, payroll and expenses.Relationship management, accountantMaximising company value

Operations governance, risk management, third party outsourcing contract management. Audit & Compliance relationships and delivery. Wealth product reviews

Heading up the groups complaint management of Savings, Lending and legacy Endowment and Wealth products including PPI. Management team consisting of Team Managers and business improvement (department of 80FTE)

Endowment & Wealth complaint management and remediation, including third party insource and outsource contract management. Investment Bond Review. Legacy Data Management.

Wealth product retail sales, advisory quality assurance and training.

Team management, training, target completion. Regulatory interpretation of guidance. Quality assurance, process improvement.