Responsible for the leadership of a team charged with the oversight of CASS compliance for the Halifax Share Dealing Ltd, LDC, Lloyds Bank PLC, Bank of Scotland plc and Lloyds Bank Corporate Markets entities. Partnering with key stakeholders across the business units including Stockbroking, Commercial Bank, Insurance & Wealth, and equity divisions to ensure the appropriate CASS governance, oversight, processes and control frameworks are in place, key areas including:- CASS oversight of the creation of the Schroders Personal Wealth business including the migration of c.£10Bn of customer assets- CASS considerations and oversight of the purchase of the Embark Group by Lloyds Banking Group including subsequent proposition plans- As part of the Senior CASS team designed and delivered change in responsibilities and reporting lines- Delivery of integrated FRC rule and control mapping across Lloyds Bank and Bank of Scotland encompassing three divisions and multiple business units including integration with the Group Risk Management framework- Writing and implementation of entity specific governance frameworks, documentation and training- Technical input to and resolution of CASS issues and breaches- Project oversight and delivery- Oversight of CASS RP, CMAR, Board and Committee reporting and training- Liaison and key point of contact for internal and external audit and advisory teams for all the legal entities listed

Appointed as the Subject Matter Expert for the FCA Client Asset Sourcebook (CASS) in the Conduct, Compliance and Operational Risk team to oversee, constructively challenge and technically advise nine different legal entities across the Group on the FCA Client Asset sourcebook.• Acting as technical SME in the design and implementation of compliant structures and process changes across three divisions• Partnering with entities in understanding, reporting and resolving CASS issues including validating measures taken to close out material CASS breaches• Working with external parties and external auditors in the review of Group wide CASS compliance• Writing and implementing Group wide procedures and policy changes• Overseeing the introduction of a Group wide CASS Office and acted as secretariat for the Group CASS forum

A commercially focussed senior finance professional with extensive experience in Retail Financial Services. Responsible for Board level input to strategies including organic growth (from £500m to £5bn of client assets) and business disposal. Regulatory oversight of customer assets and ownership of the finance agenda. • Responsible for all financial aspects and inputs into the business strategy and operation, sitting on the NWS Board, Risk Management Committee, Compliance and Client Asset Committees• Responsibility for regulatory and statutory reporting, external audit and as CF10a the oversight of all CASS arrangements• Member of the TDDI Senior Team, mentor and coach for both Finance and non-Finance management colleagues and able to deliver results through both direct and indirect reports • Business lead on multiple projects including the disposal and migration of non-core operations and ultimately the successful purchase by TD of the 50% RBS stake in the JV• Design and delivery of re-pricing proposals, following profitability analyses of customer, product and channel, increasing the number of profitable clients by 20% and shifting revenue distribution from over 90% transactional to less than 60% • Undertook and delivered a strategic review of the business prior to working with external consultants on a combined shareholder review of future options• Overall responsibility for the design, delivery and presentation of KPI’s and in depth analysis covering financial, and non-financial performance• Designed and delivered bespoke financial modelling covering amongst others; incentive reward, new product/channel appraisal and sales team expansion/deployment resulting in new account performance exceeding natural market share for a five year period• Responsibility for the implementation of the CRD and CRD IV requirements, ICAAP implementation including the design of stress testing and IFRS compliant accounts

Working with the sales and commercial teams in the pricing for new business bids, contract negotiations and implementations.

Responsibility for activity based costing, planning and budgeting across the Society.