Peter De Lukowicz Email & Phone Number

Oxford, Gb

Wellingborough, England, United Kingdom

Following the appointment of a new Compliance Manager, I recently moved into a newly created Risk and Compliance Team.Whilst my role is still somewhat split around the business, my new responsibilities have included supporting the Departmental manager with a revised risk assurance plan, research on various regulatory issues facing the business and periodic refresher training for staff in all sections of the company.

Wellingborough, England, United Kingdom

Working alongside the Compliance Manager, my role became split between regulatory/compliance matters and operational issues. I continued to administer the 3rd Wave COVID 19 response by the company (by this time on my own), and to support all the departmental managers and directors with various complex matters arising out of post-Pandemic changes to the business. This included:-Helping to set up a 2nd Line Assurance plan, to look at the risks within the business. Ran tests in all departments looking for areas of weakness and possible non-compliance. Reported findings to the COO and Compliance Manager.Technical training, particularly for new staff entering the business. This centered on both key systems and industry knowledge.Started an overhaul of the suite of our main documentary Agreements, Guarantees etc in anticipation of expected regulatory changes.Assisted in identifying a new Electronic Signature partner, helping to ensure a transition away from older "wet signature" contracts and in favour of e-sign processes.Built a new bad debt Provisions Model in tandem with the COO. This involved all aspects of creating and applying a criteria over all delinquent debts. We then tested the suggested provisions levels against current and historic debts, to calibrate the results before rolling out in time for the 2022 Year End period. Liaison with the company's auditors, briefing them on the changes to our methodology and ensuring their sign-off.During an interregnum period in the Recoveries Department, I assisted new staff by taking on a small clutch of the less mainstream and more difficult arrears cases, until a new Director was appointed. In the early part of 2023, following the departure of the Compliance Manager, I deputised at Risk Committee meetings, reporting on 2nd Line Assurance findings and any other ancillary legal & regulatory matters arising.Investigatory work as directed by the COO - i.e. thematic reviews around the business.

Wellingborough, England, United Kingdom

Seconded to a multi-disciplinary team from all departments, which helped produce the company's response to the COVID 19 pandemic, particularly the mass requests for forbearance from customers.This included helping to draft and document a policy framework (in line with regulatory guidance) that helped to identify & prioritise clients in the greatest need of financial assistance and to offer appropriate plans to help them. Frequent liaison with solicitors about regulatory issues thrown up by the pandemic and the best way to circumnavigate them. Briefing our directors accordingly.Oversaw the necessary remediation to the monthly filings for our credit reference agencies - to ensure that the returns complied with periodic guidance from SCOR, the ICO and FCA.Acted as a central referral point for all staff in respect of system issues created by the pandemic and how to navigate and resolve these.

Wellingborough, England, United Kingdom

Returned to the position of Operations Manager full time, with on-going oversight of assisting staff with post-migration project enhancements and upgrades

Wellingborough, England, United Kingdom

Seconded to a migration task force, dedicated to pushing through to successful completion a major upgrade to our main accounting system.I became the lead tester in a group comprised of both internal staff and external software contractors. This involved all aspects of:- Embedding the new software platform; Migrating all relevant data;Alpha/beta testing all anticipated multi-departmental processes;Providing feedback to the software developers for correction of errors and recommendations to architectural changes in the platform;Assisting in all aspects of staff training across all departments on the platform, in anticipation of the Go-Live date;Assisting with post-Go Live issues, liaising with the developers to remedy JIRA tickets raised by staff. Sandbox tested relevant solutions

Wellingborough, England, United Kingdom

Promoted to the central position of Operations Manager with primarily responsibility for oversight of the company's Customer Services, New Business, Collections & Recoveries departments. Any additional project work as instructed by my directors.Full responsibility for ensuring the timely payout of all new contracts, together with the daily management of Customer Service activities, as well as delinquent & doubtful debts

Wellingborough, England, United Kingdom

Offered a permanent full-time contract and promoted to the position of Recoveries Manager. Undertook full responsibility for all aspects of the department, including the reduction of bad debt and staff recruitment and retention

Wellingborough

Offered a 6 month-maternity cover contract as the Assistant Manager of the Recoveries Department. Assisting the manager with all aspects of departmental performance

·Initially managed the Collections Department (2002-2004). Full responsibility for the recruitment, training & development of staff, as well as the performance of the section in relation to the recovery of arrears and minimisation of bad debts.·In 2005 I covered the New Business and Underwriting functions of the business, which involved all activity and processes at the front-end of the business leading up to a loan payout. Utilised a full underwriting mandate, approving new loans after full analysis of a prospect's P&L, balance sheet and cash flow statements. ·From 2006 to March 2011 I was tasked to project-manage and take sole responsibility for the highly successful collect-out and closure of the loan portfolio. This followed the parent company's strategic decision to withdraw from the hire purchase and leasing sector. Well over 90% of the loan book was successfully recovered. Full responsibility for the orderly & gradual wind-down of business activities, reduction of headcount, deployment of external service providers and eventual office closure.

-Responsible for a portfolio of 22 disparate clients across a number of industry sectors-Awarded the management of the 2 largest clients after being in post for 4 months.-Forged strong working relationships with clients. Successfully retained two client accounts in the face of sustained canvassing activity by rival factoring companies.-Became the company’s first Client Manager with external relationship duties. Visited clients at their premises with a view to understanding their businesses better and to customise their facilities.-Ensured that credit control activity on 11 sales ledgers was conducted in line with service level agreements.-Deputised for the Operations Manager when necessary.

Arranged suitable mortgages for clients, together with life and protection products.

Trainee financial adviser selling the following products:-Life, Critical Illness & Income Protection. Assisted senior advisers with client assistance relating to pensions and IHT planning.

-Responsible for the setting up of a new Credit Control Department, recruiting 2 credit controllers.-Assisted the Financial Controller with developing a new credit policy.-Developed a target incentive scheme for the credit controllers to maximise target DSO.-Successfully achieved the Dec 2000 DSO target in May of the same year.

Worked in both the London region Group Duty Solicitor Department and the Head Office Debt Recovery Unit. As an Executive Officer I was involved in the administrative processing of Duty Solicitor applications and later the oversight of a portfolio of 2,000 accounts for debt recovery.

Worked in both the Credit Control Department and later the Fraud Department. Initially oversaw the outsourcing of delinquent accounts to solicitors and debt recovery agencies. Thereafter involved in the detection and prevention of fraudulent activity on the customer service base.

Dip Law, Law

Activities and Societies: Passed CPE (Common Professional Examination in Law)

B.A. (Hons) 2:1, Ancient History & Classical Archaeology

Activities and Societies: Represented university at national games in Shotokan karate

Education record

Activities and Societies: 3 A-Levels and 9 GCSEs (including Maths and English)