Member of Board for charity

My role covers two areas, one is to promote a strong Risk Management Culture in major Technology Programmes with a focus on potential Operational Risk and the other is execution of Technology Risk & Control Assessments & ICAAP Scenario Analysis to identify inherent risks, Controls and residual risks as well as understanding their impacts.My responsibilities include;• Develop and implement risk approach and methodology enabling engagement across technology programmes and identify operational risks and assess controls.• Engage with programmes on a close and continuous basis to ensure operational risks are formally identified and articulated with adequate remediation plans put in place. Key programmes engages with include Payments Transformation, ICB, Technology Enablers• Provide subject matter expertise in risk management to technology stakeholders and liaise with the second and third lines of defence throughout the bank. • Targeted Programme Risk Assessments and desk based Risk Management Reviews. • Represent Risk in the Technology Front Door gateway in the Investment Approval Process. Focus on potential impact to customers as well as safe delivery and new Operational Risk.• Pool Resource as part of the Controls Risk & Control Assessments required to contribute to CEC2 including inherent risk identification, controls testing and residual risk as well as ICAAP Scenario analysis

In this newly created role reporting to the Head of Central Banking Risk I maintained a view on the risk profile of Banking’s internal suppliers conducting oversight on delegated risks. Internal suppliers included but are not limited to Digital, Marketing, IT, Stores, Finance, HR and Change Management. I manage the relationship of non-Banking businesses to ensure cohesion and sharing of risk management information. My responsibilities included oversight of non-Banking business activity impacting the Banking businesses to ensure risk is effectively controlled and governance processes are followed. I liaised with key stakeholders and influence their thinking on risk related matters and work closely with the business areas in order to support the identification and assessment of risks / issues and incidents. I acted as a conduit for information between other risk areas across Tesco Bank and the Business as well as taking ownership for ensuring that the operation understand the processes they have accountability for and understand what good controls look like. It was key that I remained abreast of the latest regulatory and legislative developments in order to ensure we act within the necessary requirements for managing risk.

Reporting to the Head of Enterprise Risk I was responsible for Operational Risk and Regulatory Compliance for Tesco Banks Payments Infrastructure including essential third party suppliers and schemes. To achieve this I designed, delivered and continue to manage the risk and control framework for Enterprise Payments ensuring compliance with current and emerging payment regulations as well as adherence to bank and group wide risk framework and reporting requirements. I used specialist knowledge to deliver payments related operational risk and compliance expertise across all Tesco Bank lines of business and manage other resources to deliver using analysis and judgement. I developed, managed and monitored the risk and control framework for Enterprise Payments. I ensured compliance with Payment Scheme and Regulatory Requirements, working with Second Line of Defense Risk colleagues and attending relevant external forums and committees. I provided payments related compliance subject matter expertise for Tesco Bank transformation programmes and change projects.

As Senior Manager, Regulatory Projects in Risk Division I ensured that LBG managed and responded to Legal, Regulatory and Mandatory (LRM) changes in the industry and that the Group remained Compliant. This included project leadership in key Regulatory Areas such as Dodd-Frank, MiFID II, FSA Reform etc. Oversight of delivery of LRM change where being led by other Business Units such as Volcker, D-F Title VII. Facilitating a gateway to the LBG LRM Portfolio for funding projects and providing secretariat for the LBG Legal, Regulatory & Mandatory Change Committee responsible for monitoring and maintaining an aggregate view of the LRM Portfolio and acting as a senior escalation body.Assurance and oversight of Regulatory Risk Projects throughout Lloyds Banking Group.Management and delivery of Group Wide Regulatory Risk Projects.

Assessed the impact of changing legal and regulatory requirements on the Operational Risk profile of DivestCo and direct delivery of the appropriate response (including assessment of the impact of horizon issues to develop appropriate strategies). Accountabilities included; • Provide risk change / transformation oversight of the Verde programme.• Contribute to the design and implementation of non-credit risk strategies ensuring adherence to all external statutory and regulatory requirements, whilst liaising with internal stakeholders to ensure they meet their agreed business objectives.• Provide subject matter expertise to all key stakeholders, internal and external, on non-credit risk issues.• Provide support to proposed buyers in determining appropriateness and capability of the non-credit risk model for DivestCo.• Provide regular operational and regulatory risk reporting to Verde / DivestCo Executive meetings and other relevant fora.• Ensure that there is effective oversight and challenge of the DivestCo operating model, budgets, operational and regulatory risks and risk decisions.• Ensure that there is effective oversight and challenge of Project Verde.

Lead change and carry out Project Management and Project Oversight for Risk Projects within Banks Wealth and International Division. Current focus is on assurance oversight and certification of migration and integration activity.Recent projects focussed on improving the quality, usability and security of information, delivery of new risk methodology, payments and customer screening along with integration projects following Lloyds Banking Group takeover.

Project and Change Management in Risk and Information Management related projects including those relating to integration and the Governement Asset Protection Scheme.Developed new Change Management function within new Chief Information Office (transitioned from Operational Risk) including portfolio management for portfolio circa £9m.Lead and manage a small dedicated team and have overall accountability for the delivery of their projects. Ensured teams' full potential achieved fostering an environment of coaching, mentoring and self learning. Ensure dealings with staff are open and honest and develop a culture of ownership and individual responsibility. Developed 2008 Information Management (IM) Programme Portfolio (circa £2.5million) in line with strategic objectives and obtain approval for progression. Drive IM strategy.Plan for, manage and support colleagues ensuring cost effective and efficient implementation of legislative, regulatory and voluntary code projects to the business. Assisted in development of the longer term and one year business plan to reflect business requirements as determined by regulatory and legislative change. Assist in implementing plans and strategies which are consistent with divisional objectives and in a manner which ensures acceptance from staff and customers.Ensured project budgets are effectively managed and controlled. Establish effective mechanisms for understanding and managing costs and demonstrating value. Ensured staff training & development is progressed in line with both the individual’s and the business need. Secure full support of team for all objectives designed for the achievement of the business goals.

Selected as part of a talent management programme for a 6 month secondment to Group Internal Audit. The purpose of this secondment was to give increased understanding of internal controls and embed within the business and act as a controls assurance "champion". My Audits were across the HBOS Group and not restricted to my own Division. They involved agreeing the scope of Audits, Planning for them, Understanding Risks and Controls of the Subject, testing them and then reporting on them and outlining actions that need to be taken within the Audited area.

Manage and support strategic direction of evaluation and implementation of New Product Development for Sainsbury's Bank, with focus and emphasis on exploiting new market opportunities."Cradle to grave" project management for New Product Development of Bank Products and Services up to hand over to designated Product Manager. Managed multi-functional Project Teams within Project budgets and timescalesKey contributor to high-value contractual negotiationsProduction of Sainsbury's Bank Medium Term Plan 2004 - 2007Proactively identified NPD opportunities, acted as lead interface with external suppliers and propose methods to exploit them to ensure competitiveness and profitability.Partner Relationship Management along with developing, managing and maintaining relationships with external and/or industry bodies to ensure leading edge knowledge to assist in the development of new products.Developed, promoted and developed customer proposition for products to generate and increase sales, acting as focus of PR activity including interviews with a number of national newspapers. Principal accountability for delivery of the Launch Marketing Plan for new products.Monitored, analysed and identified trends in market developments, took a proactive position in identifying potential issues, their solutions and influencing senior managers to ensure swift resolution.Assessed, evaluated and recommended potential strategic partners.Contributed to and developed business cases for Executive approval to proceed with developments, ensuring integration with other business areas where necessary.

November 2001 to March 2003 - Business Opportunities October 2000 to November 2001 - Business Analyst, Product Development June 2000 to October 2000 - Team Manager, Technical Support. April 2000 to October 2000 - Monarch Administrator March 2000 to June 2000 - Team Manager, Customer Relations and Email Enquiries (Dual role with Monarch position)

Worked in a number of different Retail Bank Functions including - Customer Relations- Mortgage Department- Staff Lending - Kirkcaldy Central Branch