Tony O’Malley Fpfs, Cert Cii(Fs) Email & Phone Number

Bristol, United Kingdom

London, United Kingdom

I am currently working as a contractor on a project reviewing advice given to customers who transferred out of their preserved final salary pension schemes whilst benefitting from an enhancement either added to the pension transfer value or taken as a taxable lump sum. The process includes focussing on specific themes agreed with the FCA & JLT Group together with a comprehensive examination of the background documentation including the customer fact find, recommendation letter and TVAS information to determine the suitability of advice given between 2009 and 2014. Customer contact on the telephone is sometimes required as part of the review process and the case subsequently completed in line with specific guidance and procedures.

This was a telephone-based specialist pension advisory role where customers were seeking an impartial review of their existing pension arrangements including SIPPs, group and personal pensions, stakeholder, defined contribution, Section 32 and additional contribution arrangements. I completed the full advice process over the telephone with the customer, made the recommendations and agreed next steps usually in the one appointment. I produced the suitability letter and ensured all supporting and additional paperwork was completed and posted to the customer in a timely fashion with all relevant systems updated as part of an automated process.

Newcastle Upon Tyne, United Kingdom

This was a position working on a project on behalf of Lloyds Banking Group. My work involved the beginning to end review process of the suitability of advice for customers who purchased pension, investment and protection products between 2005 and 2012. This included a comprehensive review of the customer file including the fact find, attitude to risk, suitability letter and all related documentation at the point of sale. My work also involved significant customer contact on the telephone to obtain their testimony and recollections of the advice process which is key in the decision-making process on this project. I progressed into the Quality Control Team assisting with compliance and file review checking in the run-down process on this contract. My selection was based on my own compliance and quality file review performance since joining the project in July. This work also involved feedback to each reviewer where cases were graded fail or pass with development to ensure understanding of my decision and what the next steps were for the reviewer to follow.

Bristol, United Kingdom

This project was with HSBC bank and initially included reviewing customer files to ensure compliance during the sales process, checking attitude to risk questionnaires and investigating the suitability of advice. The review included customer contact by telephone to ensure a clear appreciation of their views and understanding of their investments to achieve the fairest outcome for customers who purchased investment products between 2008 and 2012 through the bank.During this project I progressed into the Remediation Team where my work involved preparing all unsuitable cases for financial redress stage and carrying out on-going coaching for reviewers to improve file quality in progressing cases to the next stage in the redress process.I also worked closely with the Calculations Team in determining the redress strategy and the most appropriate use of investment benchmarks or specific funds to ensure the most suitable outcome for the customer.

Bath, United Kingdom

I joined Fidelius Limited to resume the working relationship with my former Chief Executive and replicate the successful telephone-based operation I built up at Chartwell.Once this was set up, my job role changed and I became responsible for developing professional relationships with accountants and lawyers who referred clients to both myself and my colleagues within the Company. I provided a holistic financial planning service to clients including investment related planning in connection with capital growth and income solutions utilising tax-efficient wrappers and tax allowances including inheritance tax strategies. My work often involved pension related planning advice including point of retirement options as well as advising on more complex planning including pension splitting in divorce work and commercial property purchase solutions utilising SIPP and SSAS solutions for mainly company directors and business owner clients.

Bristol, United Kingdom

(I was originally employed at Cavendish Grant who became Chartwell Private Client Limited on 1 June 2007 and which was subsequently acquired by Close Asset Management Limited on 1 April 2011).I originally provided face to face holistic financial planning advice to clients before being selected to launch and develop from scratch the telephone-based advisory channel within the Company. This involved managing a growing team of advisers to provide focussed advice on investment and pension matters predominantly over the telephone and in accordance with set objectives and timescales.

Bristol, United Kingdom