I provide the Bank with strategic advice on the ever changing consumer credit legislation and FCA regulation. A member of our Premium Finance executive committee and the senior legal leadership team. I attend Risk and Compliance Committees, customer forums and other key project leadership meetings.I also continue to support the Bank as per my legal counsel role.

I have developed key relationships with the businesses, the legal team across the group, compliance and risk. Worked with the FCA on key regulatory issues and attend meetings with trade associations. I manage external Counsel, balance legal risks, costs and provide insight into key regulatory issues and advise on future issues that may affect the Bank. Putting the customer at the heart of everything we do, I am a key contributor to customer documents, Bank policies and the customer journey. I review, draft and advise on customer documentation, standards bank agreements and help manage and advise on associated disputes. Carry out due diligence on proposed acquisitions, enforceability, arrears processes and vulnerable customers. I am considered a business orientated lawyer accustomed to working in a highly regulated environment. A leader who communicates at all levels of the business, provides training, help develop and mentor individuals. I have worked on numerous projects and work collaboratively with various business stakeholders in a highly paced environment with a proven track record of aligning legal priorities to business goals.

Working within the financial services team advising banks and other financial institutions on consumer credit issues.

I work within the national asset, motor and consumer finance practice in Birmingham. I specialise in Consumer Credit compliance in relation to the Consumer Credit Act 1974 and other supporting legislation such as Data Protection, Unfair Contract Terms and OFT guidance acting for numerous banks and finance houses. I assisted lenders with the implementaiton of the Consumer Credit Directive, the introduction of new products including the financing of electric cars, approved finance adverts and reviewed policies and procedures. I also assist numerous lenders including asset based lenders on the enforcement of various types of finance agreements including injunctions, part 8 claims, fraud, CCA compliance disputes and FOS complaints.

I worked within the Asset Finance team assisting lenders with compliance and litigation in relation to regulated and unregulated finance agreements such as Running Account, Fixed Sum Loan, Hire Purchase and Conditional Sale, Finance and Operating Leases.

After completing my training contract in 2007 I qualified into the Asset and Consumer Finance team. I advised lenders on compliance and litigation in relation to finance agreements in particular I assisted a lender who was prosecuted by the OFT for a breach of Advertising Regulations.