Responsibility for a team of product governance professionals, making sure we’re delivering great outcomes and fair value for our millions of customers across multiple brands and product lines.

Responsible for new proposition design, management, and product governance

Responsible for the product and insurer account management of the Optional Extras across all business lines and Business Insurance products

Senior manager responsible for building new product governance framework for the company in addition to supporting the NPD

Product risk SME (1st Line) for Retail and Commercial Banking, with specific responsibility for design and delivery of Annual Product Reviews, also 1st line representative on key projects.

Defining and developing the Mass Affluent proposition for Lloyds Bank, Bank of Scotland and Halifax. Working across all channels and products to ensure excellence at every touch point to build and protect this most valuable group of customers.6 month contract due to expire end 2014.

Managing Director contracting / consulting on all aspects of marketing - specialising in Change, Product and Commercial Management.

Product and commercial management of entire C&G savings book of c£10bn. Savings SME for project Verde (establishing new TSB bank).Key Achievements:- Streamlining of on-sale product range- Change management and delivery for creation of new TSB bank (C&G and LTSB saving products); Risk due diligence, new product terms and conditions, legal notification to customers, seamless switch to LTSB product range in advance of TSB separation, new TSB product range and marketing materials, training and approval of new TSB savings product team, movement of c2.5m live customer accounts with £16bn balances and new savings product range to launch TSB on day - Rebrand of Lloyds TSB to Lloyds Bank

LTSB savings lead on the integration of Bank of Scotland to LTSB banking systems, SME for integration project and Product and commercial management of new BoS product range.Key Achievements:- Successful movement of 37m accounts moved in a single weekend (Halifax and BoS) and entirely new BoS product range launched on a single day- Product and commercial management of new BoS product range and transitioning management to a newly established product team

Product and commercial management of LTSB ISA product range (key products in range) - P&L owner – delivery of income and balance targets, writing and presenting pricing proposals and business plans, forecasting, trading performance, marketing planningKey Achievements:- Development of ISA strategy changing the product design to support objectives - creative thinking and detailed execution with customer focus - championing the customer agenda whilst balancing conduct risk with commercial objectives- Product Governance – lead savings product representative on several high profile initiatives, ensuring consistently excellent quality of delivery and driving forwards the governance and conduct risk agenda within products- Successful 2010 and 2011 LTSB ISA seasons – focused customer service and complaints reduction, marketing budget of c£3m per year – ATL and BTL campaigns,- Increasing market share of ISA transfers c.30% above stock levels – building ISA book from £10bn to £15bn

Development and continued evolution of the Group loan and credit card strategy across all channels. Overall responsibility for all aspects of the product category including product design, P&L delivery, pricing, marketing, customer insight and compliance. Development and ongoing management of 3rd party partners.Delivered Loan broking for B&B both online and via the branch network. Full responsibility for product and P&L. Business lead on B&Bs credit card and personal loan strategy and managed the process of tender, selection, commercial negotiations and subsequent move to partner with Co-operative Bank for loans to replace the broking proposition to increase the control, reduce costs and reduce compliance exposure of B&B within this market.

Key Achievements: • Sole responsibility for the development and implementation of product strategy for the entire product range (current accounts, savings, loans, credit cards, share dealing, funds supermarket and shopping). • Established a customer contact and retention strategy contributing significantly to achieving a higher average product holding per customer than the Co-operative Bank (parent company) within two years of launch.• Recruited and developed a new product team (five product managers and a research manager) and made it a driving force and centre of excellence within the company • Launch of several new products – share dealing, funds supermarket, packaged current account and mortgages • Full redesign and re-launch of the online customer-banking environment that resulted in a 43% increase in new account openings by existing customers• Achieved customer satisfaction ratings above that of the Co-operative Bank and second only to First Direct. Winners of numerous industry awards including ‘best online bank’ and four ‘best product’ awards in 2003 and three awards from the Guardian Consumer Finance awards in 2003. A great achievement for a company with the most limited financial resources of any of our competitors.

End to end’ ownership of the marketing function for savings and insurance products.Key Achievements: • Design and launch of Cash Mini ISA exceeding anticipated recruitment and balance volumes by a factor of two• Grew a declining savings book by over 25% with minimal budget whilst protecting existing margins• Created a liabilities strategy to position the bank for the rapid balance growth requirements presented by the introduction of mortgages• Marketing communications for my product lines• Focusing on cross sales of general insurance products increasing income and commission terms

I was a product specialist for Unit Trusts/PEPS, Regular Investments and Personal Pensions. Key Achievements: • Huge challenge of becoming a product specialist within the business, passed FPC exams to aid my credibility• Development and provision of MI suite to CEO level • Development and delivery of bespoke Financial Adviser laptop software.