Carl Millerick Email & Phone Number

Hove, Gb

Hybrid

- Regulatory subject matter expert for the firm’s Consumer Duty programme. Provided responses to FCA Consultations, interpreted FCA rules, established scope and baseline requirements for programme, provided numerous training sessions and ongoing technical support for programme steering committee.- Workstream lead covering outcome 1 Products & Services and outcome 2 Price & Value. Established methodologies for assessing products against Consumer Duty requirements. Completed assessments of… Show more - Regulatory subject matter expert for the firm’s Consumer Duty programme. Provided responses to FCA Consultations, interpreted FCA rules, established scope and baseline requirements for programme, provided numerous training sessions and ongoing technical support for programme steering committee.- Workstream lead covering outcome 1 Products & Services and outcome 2 Price & Value. Established methodologies for assessing products against Consumer Duty requirements. Completed assessments of all open products and produced information for distributors.- Recruited and trained staff from the business to establish a Product Governance Team. Led team to complete assessments noted above.- Member of Regulatory Change, Product & Customer Committees. Show less

United Kingdom

- Designed a methodology for reviewing the firm’s pension products as required by the FCA’s RPPD rules.- Implemented the methodology, reviewed products and completed residual actions taken.- Took on regulatory change projects including Consumer Duty.- Gained permanent position after 6 months of a 12 month contract.

Hove, Uk

Responsible for end-to-end product management and communications for all mature savings investment products including investment bonds, regular premium savings (including ISAs) and protection contracts.• Successful transition of business to third party including closure to new business, platformdecommissioning, knowledge transfer and accelerated close-ending of any risk events prior to transfer.• Took on additional responsibility for marketing and communications. Record volume of… Show more Responsible for end-to-end product management and communications for all mature savings investment products including investment bonds, regular premium savings (including ISAs) and protection contracts.• Successful transition of business to third party including closure to new business, platformdecommissioning, knowledge transfer and accelerated close-ending of any risk events prior to transfer.• Took on additional responsibility for marketing and communications. Record volume of customer contact required due to external events (including COVID and fund suspensions) and action in preparation for the transfer.• Developed enhanced framework for risk reviews in light of FG16/8 Fair treatment of long-standing customers in the life insurance sector. Successfully delivered or provided oversight for 24 product groups through the new framework.• Took on additional responsibility for management of Advertising Standards Team and associated processes.• Worked with the Law Commission, providing consultation on their draft Insurable Interest Bill.• Delivered numerous regulatory or legislative change projects including IDD, Legacy Thematic Review, GDPR, KIIDs, 4MLD and AEOI. Show less

Hove / Surrey / London

Responsible for end-to-end product management of predominantly late lifecycle contracts including investment bonds, pensions and regular premium savings and protection contracts. In excess of £24bn AUM through 50+ product groups and hundreds of contract types.• Sat on various exec-level committees including Fund Pricing, Product Investment & Capital and Location Committees.• Reviewed and rationalised products where possible to improve operational effectiveness and profitability while… Show more Responsible for end-to-end product management of predominantly late lifecycle contracts including investment bonds, pensions and regular premium savings and protection contracts. In excess of £24bn AUM through 50+ product groups and hundreds of contract types.• Sat on various exec-level committees including Fund Pricing, Product Investment & Capital and Location Committees.• Reviewed and rationalised products where possible to improve operational effectiveness and profitability while avoiding adverse customer impact.• Successfully decommissioned a legacy system creating cost savings of c£500k p.a. without significant adverse customer impact.• Completed divisional internal transfer and took on ownership of legacy corporate pension contracts to meet organisational requirements.• Reviewed and subsequently rationalised available fund ranges across all products while maintaining sufficient customer choice creating savings in excess of £250k p.a.• Revamped and improved digital service proposition to increase volume of customer requests that could be completed online, improving customer satisfaction and operational effectiveness. Show less

Hove

Responsible for end-to-end product management of all mature savings investment contracts including unit-linked investment bonds, regular premium savings/protection and with-profits contracts. Also responsible for fund propositions across a wide range of life and pension products.• Updated new business product range in-line with Retail Distribution Review requirements including facilitated adviser charging disclosure and processes subsequently adopted across the Group.• Successfully… Show more Responsible for end-to-end product management of all mature savings investment contracts including unit-linked investment bonds, regular premium savings/protection and with-profits contracts. Also responsible for fund propositions across a wide range of life and pension products.• Updated new business product range in-line with Retail Distribution Review requirements including facilitated adviser charging disclosure and processes subsequently adopted across the Group.• Successfully revamped and revitalised Estate Planning proposition to make it market leading.• Defined proposition for and launched new HNW regular premium product taking advantage of advantageous taxation position.• Took on additional responsibility for With Profits contracts and ultimately closed them to new business when determined to be no longer viable.• Produced and implemented technical Training & Competency Scheme for the Product Management area as a whole. Show less

London, Surrey, Hove

Responsible for management and new product delivery for unit linked investment bonds.• Developed proposition and launched bespoke ‘open-architecture’ investment bond contract for key tied national account including specifically tailored fund range and features.• Widened launch to make product available to other key accounts and to the wider IFA market. IFA product achieved Defacto 5-star rating and achieved number 1 spot for unit-linked investment bond total sales.• Repriced and… Show more Responsible for management and new product delivery for unit linked investment bonds.• Developed proposition and launched bespoke ‘open-architecture’ investment bond contract for key tied national account including specifically tailored fund range and features.• Widened launch to make product available to other key accounts and to the wider IFA market. IFA product achieved Defacto 5-star rating and achieved number 1 spot for unit-linked investment bond total sales.• Repriced and restructured contract to meet Solvency II capital adequacy requirements and introduced a choice of charging structures to increase appeal to advisers and customers.• Took on responsibility for writing and approving all product disclosure from terms and conditions to customer letters and web content.• Completed integration of products onto Cofunds platform including bespoke terms, literature and digital proposition. Show less

Hove, England, United Kingdom

Responsible for driving sales of investment, protection and pension contracts through key national accounts.• Forged excellent relationships with key account IFAs and consistently achieved in excess of 125% of target, rising to 150%+ of target in 2004.• Worked with Business Development Managers to help secure single-tie with key national account.

United Kingdom

Responsible for the provision of service for investment, protection and pension contracts to key national accounts.• Promoted within 18 months to Service Delivery Manager, managing a team of 12 Service Consultants.• Forged excellent relationships with head office staff in key accounts helping L&G to achieve preferred provider status.