Tom Phebey Email and Phone Number
I aim to bring my extensive global experience in business compliance, financial crime fighting, and regulatory risk management to drive impactful results to the financial services industry.With a proven track record spanning over two decades, I have extensive expertise in managing risk and enabling high-quality business opportunities through trusted advice across regulatory, conduct, financial crime, and enterprise-wide risk management frameworks. Throughout my career, I have been an integral part of senior Compliance, FCC, Risk, Geographical, and Business Management forums, ensuring that the organisations I have worked with consistently meet and exceed regulatory standards while encouraging growth and innovation.My specialisations extend beyond Compliance & Financial Crime risk types: change management and business transformation; client experience; people leadership; and reputational risk management in Wholesale / Investment Banking and Retail/HNW/Private Banking markets. I have hands-on expertise in payment services, Correspondent Banking, Fintech strategies, Cash Management, Trade Finance, lending services, Corporate Finance/Private Equity, Wealth Management, treasury and financial markets compliance advisory. My practically applied knowledge covers fixed income, interest rates, credit, commodities, foreign exchange, and derivatives on all vanilla and exotic asset classes, sell-side and buy-side/Asset Management, across conventional and Islamic/shariah product.I have extensive experience in financial crime risk compliance, covering AML, sanctions, and ABC. My hands-on leadership spans major financial centres and emerging markets, directly leading teams in UAE & the Middle East (KSA, Qatar, Oman, Bahrain), Europe, the Americas, Africa, ASEAN, South Asia, and HK/Greater China.My passion lies in Governance, Compliance & FCC frameworks, where I can make a significant impact. I am particularly passionate about the Middle East, especially the UAE, where I have previously held accountable roles. My deep understanding of the region's regulatory environment and global perspective position me to drive our company’s compliance and risk management strategies forward. I am literate in Digital Banking technologies, the use of new Platforms and Partnerships, and the incredible opportunities (and risks) that Gen AI can offer.
Three Comma Capital Advisors Limited
View- Website:
- threecca.com
- Employees:
- 21
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Managing Director, Head Of Governance, Risk And Compliance And Board MemberThree Comma Capital Advisors LimitedDubai, Ae
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Managing DirectorStone Flint Consulting Llc-Fz Jun 2024 - PresentUAE Emirates ID Holder Stone Flint Consulting provides an expert service to Financial Services firms and their leadership. As an experienced Banker and Compliance Officer with a long career in international financial services, there is no limit to the strategic advisory, decision-support and people development engagements Stone Flint can undertake. All without needing to carry the high cost of an MD-level full-time position on your payroll and its drag on the bottom line. The services currently DO NOT include formal outsourced Compliance Officer/MLRO roles.I am currently engaged in a full time, exclusive mandate with a notable External Asset Management (EAM) boutique in Dubai. My career at Standard Chartered and Bear Stearns has required me at times to fulfil regulatory roles, including being a Material/Significant Risk Taker with FCA registration (TXP00011). -
Managing Director, Head Of Client Management, Asean & South AsiaStandard Chartered Bank Oct 2022 - Jun 2024London, England, GbI took on the challenge of aligning the legacy Integrated Middle Office and Client Management teams across 12 markets. This initiative aimed to create a seamless, client-centric unit that supports the Corporate & Institutional Bank’s strategy. Leading a team of over 1,000 individuals, I focused on integrating operational and client-facing functions to enhance our service delivery.My responsibilities and process ownership included KYC verification, end-to-end onboarding, Sanctions risk management, account setup, credit limit and documentation management, credit risk control, and client lifecycle event management through to offboarding. This role covered the spectrum of products including Cash Management/Payments, Financial Markets instruments, Lending and Trade Finance services.Additionally, I was appointed as the Global Client Management lead for Correspondent Banking and Standard Chartered’s Affiliate branches and subsidiaries. Leveraging my extensive experience, I aimed to bring greater competence, confidence, and improved business alignment with 2LOD risk partners across these high-risk network areas.This position required constant interaction with Relationship Managers, Product partners, Clients, Compliance, FCC, Credit, and Operational Risk partners at country, regional, and group levels. Emphasising 1st line ownership, I ensured the execution of processes designed to manage regulatory, conduct, financial crime, and other critical enterprise risk obligations, meeting policy and standard requirements. My leadership has consistently driven strategic change, improved business alignment, and enhanced client-centric approaches. -
Managing Director, Global Head, Governance, Risk & Control, Financial InstitutionsStandard Chartered Bank Apr 2021 - Nov 2022London, England, GbI led a team outside the familiar 2LOD Compliance structures, assuming 1st line governance, risk and controls responsibility for the FI Business, globally. I worked across sectors, including Correspondent Banking, New Payment Method client segments (payment providers, digital assets), Banks, Broker-Dealers, Investors, Insurance, and Public Sector clients.Coverage captured critical financial services including cash clearing and payment services. Together, we championed robust, Business-owned risk and control frameworks across our global network, ensuring effectiveness as the regulatory frameworks developed.I drove the implementation of AI/ML transaction monitoring mechanisms tailored to New Economy needs and ways of working. This involved collaborative efforts to meet and exceed regulatory and audit expectations, ensuring our operations were compliant and future-proofed.As the appointed 1LOD Product Owner for the Correspondent Banking Conduct, Financial Crime, & Compliance transformation, I played a key role in reshaping how we managed higher-risk client portfolios. Collaboratively designing target operating models across Lines of Defense, we aimed for more effective processes managing risk, meeting client demand, and capitalising on business opportunities.I directly managed the less productive quartile of FI relationships, shifting to productive, digitised, capital-light account plans, increasing flows and revenues above the tail threshold, or offboarding. I initiated efforts to break down silos within the team, embracing various leadership tools to empower individuals and expand their roles in driving both personal and organisational development. On a personal level, managing a global team of over 40 colleagues and indirectly overseeing the well-being and performance of 450+ members within the FI division was rewarding. Each interaction and challenge enriched my journey, reaffirming the importance of authenticity and empathy in leadership.
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Managing Director, Global Head, Compliance, Corporate & Institutional Banking Products & SegmentsStandard Chartered Bank Nov 2017 - Apr 2021London, England, GbAs a member of the Group Conduct, Financial Crime & Compliance (CFCC) Advisory and Group FCC Management Teams, plus acting as the delegate member for the Global Head of Business Advisory CFCC, I sat at the table of influence in various committees, including the CCIB Management Team, CCIB Risk Committee, and the Group Responsibility & Reputational Risk Committee (GRRC).My responsibilities extended to the direct management of teams covering Financial Markets, Transaction Banking, Corporate Finance, Client Coverage, Sustainable Finance and Credit Portfolio Management Advisory CFCC teams. Part of the leadership teams managing FCC risk mitigation programmes under external supervision demanded accountabilility, expert knowledge and precise decision-making. Restructuring teams to streamline CFCC coverage globally improved effectiveness and imprinted a more client-oriented approach, internally and externally.Establishing hubs in Poland, Malaysia and India for shared utilities for the Control Room (closing inefficient higher-cost locations) bolstered operational efficiency. A new conflict management system was implemented end-to-end. Additionally, overseeing the Group Cross Border Compliance team and managing several teams linked to policy and standard implementation underscored the breadth of my responsibilities.Matrix-managing Regional CCIB Heads across regions and countries necessitated extensive engagement to adapt central initiatives to local contexts. From the UAE to the UK, each journey brought insights into the nuances of compliance across diverse landscapes.Directly managing over 200 colleagues was a challenge and a privilege. It required empathy, resilience, and a deep commitment to fostering a culture of excellence and collaboration.
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Head, Compliance, Corporate & Institutional ClientsStandard Chartered Bank Apr 2014 - Apr 2021London, England, GbWas asked to relocate from Dubai to Singapore to set up the Group Compliance function covering the Global & Commercial Banking client segments. This involved building a team up globally to manage the risk and opportunity presented by the Financial Institutions (Banks, Broker Dealer, Asset/Fund Managers, SWFs, Public Sector, NBFIs), Multi-Nationals, and corporates spanning from enormous, complex companies through to SMEs. This covered risk types including AML, Sanctions, ABC, Reputation, Appropriateness & Suitability, Complaints, Information Walls, Market Conduct, individual/institutional licensing, and dealing across borders.
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Regional Head Of Wholesale Bank Compliance, Middle East & AfricaStandard Chartered Bank Mar 2012 - Mar 2014London, England, GbI built a regional & country group of Business Compliance Advisory specialists, encouraging collaboration and excellence across diverse territories. With line management responsibility for team members spanning from Dubai, Abu Dhabi, Riyadh & Karachi to Lagos, Nairobi and Johannesburg, every interaction carried the weight of our collective mission, to be Here For Good.Being the primary point of contact for senior management across Commercial Banking, Financial Markets, Corporate Finance, and Transaction Banking meant building bridges between business objectives and regulatory requirements. It was about ensuring that our operations aligned with global standards while respecting the nuances of local regulations in each of the 25+ constituent countries.I worked closely with the Regulatory Compliance and Financial Crime Compliance teams on the complexities of cross-border operations to uphold the highest standards of integrity and ethics. Beyond the confines of my regional remit, I played a pivotal role in regional governance committees and leadership teams.Interacting with country regulators in the region, including significantly the Dubai Financial Services Authority (with SCB as a Cat 1 Bank) and the UAE Central Bank, was a central pillar of my role. Whether engaging in proactive discussions or navigating regulatory inspections, each interaction was an opportunity to demonstrate our commitment to compliance excellence. Developing and delivering specialist training and risk assessments tailored to the MENA & Africa regions was integral to our mandate, ensuring that our teams could navigate the intricacies of local and global obligations. Other direct regulatory interactions included with KSA CMA, SAMA, Central Banks of Oman, Bahrain, Egypt & Qatar, and the State Bank of Pakistan.Managing and resolving internal audits and regulatory inspections demanded agility and precision, qualities that were at the core of our team's ethos.
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Head Of Financial Markets Compliance, Middle East & AfricaStandard Chartered Bank Aug 2008 - Jan 2012London, England, GbHeadhunted from the UK to initiate expert Financial Markets coverage of the growing business in - first - the DIFC and onshore UAE, and then extended to MENA, Pakistan and Africa, I was the region's markets Compliance expert, sat on the trading floors. Due to success in the set-up, the role was expanded to cover all of Wholesale Bank, as set out above.
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Head Of Fixed Income ComplianceBear Stearns Companies Jul 2002 - Jun 2008New York City, UsI managed the Fixed Income, Currency and Commodity Compliance teams for Europe, based on the London trading floor. Extensive product experience across vanilla and exotic FICC products, including exchange-traded & OTC derivatives, structured credit & securitisation, loan trading (prop & client), and managing distressed assets. Significant projects included MiFID implementation, establishment of a licensed LME desk, onboarding a physical commodity trading business, and transitioning the firm to JPMorgan as a consequence of the Financial Crisis.I was a FSA Approved Person.
Tom Phebey Education Details
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International Compliance AssociationFinancial Crime Risk And New Technology -
International Compliance AssociationMoney Laundering In Correspondent Banking
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University Of ExeterFrench & Latin
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St Dunstan'S College
Frequently Asked Questions about Tom Phebey
What company does Tom Phebey work for?
Tom Phebey works for Three Comma Capital Advisors Limited
What is Tom Phebey's role at the current company?
Tom Phebey's current role is Managing Director, Head of Governance, Risk and Compliance and Board Member.
What schools did Tom Phebey attend?
Tom Phebey attended International Compliance Association, International Compliance Association, University Of Exeter, St Dunstan's College.
Who are Tom Phebey's colleagues?
Tom Phebey's colleagues are Deepak Mandody, Mohamed Abubacker Sherif Abdul Haalick, Akansha Arora, Shailesh Rai, Mohammed Ziauddin, Gururaj Potnis, Pronit Das (Icwim, Sca, Iisi).
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