Sue Witton Email and Phone Number

* Provided advice to the Savings team on regulatory compliance matters (BCOBS, DISP, SYSC, Depositor Protection, vulnerability); operational resilience and third-party arrangements.* Worked collaboratively with the business and project team to implement and embed the FCA's Consumer Duty.* Represented the Compliance team on several significant projects.* Oversight and challenge of governance, including operational risk events, relating to material third-party outsourcer and key relationships.* Horizon scanning of regulatory developments of relevance to Savings whilst maintaining an awareness of developments in other sectors.* Developed and implemented compliant processes relating to financial promotions. Responsible for approving financial promotions for Savings.* Collaborated with the Compliance Monitoring team, supporting with scope and terms of reference for reviews in line with the annual monitoring plan; assisted with the delivery of findings to the business and provided guidance to the business to close actions.

* Managed the Regulatory Compliance team, with direct line management of 5 individuals. * Responsibilities included oversight of regulatory developments, including impact assessments and Committee reporting of key/emerging risks, trends and themes. * Fostered and developed collaborative working relationships with key stakeholders across the business, leading on Savings; Operational Resilience and Procurement and Third-Party Supplier teams. * Conduct metrics were reviewed, enhanced and updated, ensuring they remained fit for purpose.* Three month secondment, conducting Outcomes Based Testing (OBT) on vulnerable first charge mortgage customers, identifying harm; recommended policy, process and procedural changes to improve customer experience.

* Successfully launched a new regulated residential mortgage product from project/pilot phase through to inception. * Identified and implemented process/system enhancements and researched new product niches.* I recruited, trained and managed a team of 6 specialist residential mortgage underwriters to make responsible lending decisions and deliver good customer outcomes. * Developed a bespoke underwriting academy training programme to support delivery of underwriter training and competency which was used to upskill operational staff across business lines. * Credit mandate exercised to approve loans of up to £1.5m, operating within the Bank's credit risk appetite.* Other key responsibilities included timely completion of FCA reporting requirements (PSD returns) and the investigation/resolution of regulated mortgage customer complaints.

* As a technical specialist and senior lending mandate holder within the BTL lending area, I provided support on all lending matters to the New Business lending area and other key stakeholders both internally and externally. * Operated a lending mandate for specialist high net worth landlords, approving BTL and property development mortgages of £2m (aggregate company lending of up to £5m, pre credit crunch £10m).* I successfully led numerous securitisation audits, consistently achieving a reputation for delivering high quality results which led to strong investor demand. * During the credit crunch I was seconded and set up an inhouse LPA Receiver of Rent company from project inception to implementation. The delivery of this company was a key factor in successfully managing properties and determining suitable exit strategies, minimising crystallisation of losses.* Responsible for complaint handling and reporting.

* Mandate operated to underwrite and approve specialist BTL mortgages up to £250k (and aggregate mortgages of up to £1m) with account manager responsibility for 3 of the largest intermediaries of new business. * Interviewed high net worth landlords, building relationships and providing them with forward funding facilities.* Managed 3 staff and daily workflow, ensuring tasks prioritised and deadlines met.

I held various roles during this time including managing a team of 20 staff in the central mortgage processing department and working in the branch network interviewing customers and underwriting residential mortgage applications.