Duncan Milne Email & Phone Number

Miami, Florida, United States

Miami, Florida, United States

Responsibility for state regulatory compliance for an insurance producer and third party administrator registered in over 40 states.Designed and implemented a new global Enterprise Risk Management framework, incorporating a new governance structure, risk and control registers, risk appetite statements, incident root cause analysis and a full suite of risk policies and procedures.Conducted targeted OFAC sanctions assessments, at both an individual/entity and a country level to allow business to operate compliantly within its global markets. Orchestrated a comprehensive GDPR data-mapping initiative across global entities, enhancing cyber controls and ensuring adherence to international privacy regulations.Redesigned and successfully implemented a global Code of Conduct with training targeted to different employee groups, fostering a culture of ethical excellence at all levels.Streamlined contracting process with MGAs and sub-agents, through the launch of a new AI contracting system, promoting efficiency and accuracy.Revamped governance around complex and high value claims, developing a cross-disciplinary group to evaluate cases and work with external partners as required. Successfully concluded a variety of reinsurance and TPA agreements with fronting partners and drafted/negotiated network access agreements with major US health insurers.Developed a new expat health insurance proposition, ensuring compliance with key US regulations including ERISA, COBRA and the No Surprises Act.Ensuring the protection of the group’s global IP portfolio, including the registration and management of IP in the US, Europe and targeted markets in Latin America and Asia and the investigation and enforcement of related rights.

Miami, Florida

Leads all risk management and compliance matters across the US and Latin America, overseeing a team of 15 based both in the US and in local country offices.Pioneered an end-to-end compliance program across the US, Latin America and Europe, markedly reducing risks related to third parties, bribery, money laundering and sanctions.Led the M&A Team on the successful sale of a life insurance business regulated in Bermuda – this included leading the commercial negotiations with the buyer, working with local regulators and managing a communications campaign with policyholders.Chair of Executive Risk Committee and led all risk presentations to Board Risk Committee, holding risk owners accountable for timely and effective mitigation of key risks.Led multiple regulatory investigations across different markets, including Mexico and Bermuda, coordinating regulator interactions, root cause analysis of underlying issues and implementing comprehensive resolution plans.Oversaw the material improvement of the cybersecurity control environment with an increase in NIST rating from Level 2 to Level 4 in a two year period.Elevated audit outcomes and eliminated regulatory fines by integrating policies, processes and internal controls through a new GRC platform.Created tailored and innovative training programs that transformed the ethics culture and enhanced proactivity in the identification and resolution of business issues.Developed a suite of metrics to track engagement and business impact of all compliance initiatives – this promoted continuous improvement of the compliance program and enabled effective oversight and input from the Board.Led and concluded several internal investigations arising from group whistleblower program. Established a network of Risk & Compliance Champions across all business locations, enabling first line of defense teams to identify, resolve and escalate issues – this initiative increased reporting and closing of risk incidents by more than 50%.

Head of Legal and member of the Regional Executive Committee for Bupa Global, with responsibility for all legal and regulatory requirements in Europe, Africa and Asia.• Managed an effective cross-functional working group (internal and external advisors) responsible for planning Bupa's response to Brexit and evaluating country locations to base a new insurance company.• Successfully established Global Mentoring Program, pairing junior legal and compliance staff with senior staff for personalized and structured coaching and development

London, United Kingdom

General Counsel for UK Consumer business, Commercial Bank and International Personal Bank.• Served on the Executive Committee and the Boards of Citi's regulated UK entities – this included acting as the primary liaison with UK regulators.• Spearheaded Citibank's response to the UK banking industry's largest financial mis-selling issue, payment protection insurance, negotiating a strategic settlement with regulators.• Managed the internal legal team during the successful sale of approximately $5BN worth of Citi's personal loan, credit card, mortgage, savings, and insurance businesses across Europe.• Devised Citibank's Fairness Policy in the US in alignment with regulatory principles established by the Consumer Financial Protection Bureau.

London, United Kingdom

London, United Kingdom

London, United Kingdom

Legal Practice Course (Lpc), Law, Commendation

Bachelor Of Laws (Llb), Law, Upper Second