Strategic development of the investment proposition strategy for Lloyds Banking Group. Leading product management across the Scottish Widows fund range and more than 100 products. Responsible for conducting product reviews and conduct risk management to ensure compliance with the regulations. Development of products, sales process and product platforms to ensure continued profitability and competitive advantage for investment division. Created the new product charges for post RDR proposition for a wide range of products for Lloyds Bank and Scottish Widows. Specified and delivered the re-launch of the entire Investment product range across all sales distribution channels: Retail Bank; Private Bank; Intermediaries and direct sales.Currently project lead for the development of the value assessment framework for 100 funds managed by Scottish Widows. This is a business critical project to meet regulatory requirements and ensure fund are delivering value to over 1 million customers.Consulting on a strategic review of existing investment product range to provide value for money in advice based propositions to customers. 'End to end' responsibility for regulated investment products propositions to ensure competitively priced product and advice proposition for bank customers.

Leading the development of investment propositions across a wide range of products including ISAs, OEICs, Bonds and Savings products. Managing a team of 8 proposition managers to enhance the existing product range and investment proposition to over 1 million customers. Develoment of new propositions for advised distribution to bank customers and IFA channels.

RDR project consultant delivering a strategic change programme to ensure compliance with FCA rules covering advice to investors. Business lead for product development across investments and pension products for Scottish Widows. The role covered all sales channels from IFA to bancassurance financial advice to ensure products were developed to support the change from commission to adviser charging.

Recruitment specialist in Marketing and product development. Covering senior roles across all industry sectors but specifically Financial Services. Originally engaged in a business consultancy role to develop the recruitment offering to the Financial Services sector. This was successfully achieved and Denholm became a preferred recruitment partner in Marketing for the majority of Financial Services businesses in Scotland. Developed and managed a team of 6 highly effective recruitment consultants to support the resourcing needs of financial services and professional services businesses.

Developed and led the Sales & Marketing strategy for Scottish Friendly which resulted in a period of sustained sales & income growth. Launched an number of successful products and propositions in savings and investments. Created the brand strategy to reposition the business and development new market segments and distribution channels.

Marketing and communications for commercial property rental and land development.