Vital Addition identified a need for small to medium businesses and entrepreneurs to have a fresh, more complete, modern, customised approach to their financial partnerships. This was the opportunity to create something different and truly partner leading to help them reach their goals.

Provided assurance of the credit risk governance framework across the Banking & Financial Services Group, incorporating Business Banking, Insurance Premium Funding, Mortgages, Credit Cards and Margin Lending.Provided credible advice on risk management issues and delivered a consistent policy approach across the Group.Achieved consistently high client satisfaction results and contributed to high staff engagement scores and low staff turnover rates.

Oversaw risk management framework from operations and compliance perspective including responsibility for complaint management processes, operational risk self-assessment programme, design and implementation of framework relating to AML/CTF legislation.