Registration is NOW OPEN
With nearly half of UK adults now living in financially vulnerable circumstances, it is imperative that cross-sector efforts and collaboration are accelerated to achieve financial inclusion. The financial services industry has a critical role to play in helping to increase the financial resilience of UK households by offering individuals access to products and services that meet their needs, which will ultimately drive inclusive economic growth.
At our Annual Flagship Conference 2024, we will examine the causes of financial vulnerability and consider the measures required in order to improve better access to financial services for underserved communities. We will debate the importance of innovation and how it can empower consumers to take a more active role in managing their finances and further discuss the role of the industry in driving economic growth. Throughout the day, we will also provide an update about TISA’s policy work and initiatives.
(£480 for non-members)
200 Aldersgate, London, EC1A 4HD
For any enquiries about this event please email events@tisa.uk.com
Tulip Siddiq MP
Economic Secretary to the Treasury
Sheldon Mills
Executive Director, Consumers and Competition, FCA
Dominic O’Connell
Business Correspondent, Times Radio
Nici Audhlam-Gardiner
Chief Executive Officer, Foresters Financial
Steven Cameron
Public Affairs Director, Aegon
Colin Clarke
Head of Product Policy Strategy, Workplace Savings, Legal & General
Emma Douglas
Managing Director of Workplace Savings, Aviva
Peter Glancy
Head of Policy, Lloyds Banking Group
Ruth Handcock
CEO, Octopus Money
Kate Pender
CEO, Fair4All Finance
Charles Randell CBE
Financial Inclusion Commission
Eden Scrivenger
Chief Technology Officer, Wealthtime
Carol Knight
CEO, TISA
Tony Stenning
Chairman, TISA
Larry Banda
Deputy Chairman, TISA and CEO TISA Commercial Enterprises
Renny Biggins
Head of Retirement, TISA
Lisa Laybourn
Policy Director, TISA
Sophie Legrand-Green
Policy Executive, TISA
09:30 – 10:30
10:15 – 10:30
Exclusive for members
Tony Stenning, Chairman, TISA (Moderator)
10:30 – 10:35
10:35 – 10:40
10:40 – 10:50
Tulip Siddiq MP, Economic Secretary to the Treasury
10:50 – 11:10
11:10 – 12:00
Nici Audhlam-Gardiner, Chief Executive Officer, Foresters UK
Ruth Handcock, CEO, Octopus Money
Kate Pender, CEO, Fair4All Finance
12:00 – 13:00
13:00 – 13:30
13:30 – 14:00
14:00 – 14:44
Eden Scrivenger, Chief Technology Officer, Wealthtime
Larry Banda, Deputy Chairman, TISA and CEO, TISA Commercial Enterprises
14:45 – 15:15
15:15 – 15:45
Sheldon Mills, Executive Director, Consumers and Competition, FCA
15:45 – 16:30
Steven Cameron, Public Affairs Director, Aegon
Colin Clarke, Head of Product Policy Strategy, Workplace Savings, Legal & General
Emma Douglas, Managing Director of Workplace Savings, Aviva
16:30 – 16:40
16:40 – 16:50
16:50 – 18:30
Dominic O’Connell
Business Correspondent, Times Radio
Dominic is the business correspondent at Times Radio and one of the best-respected names in business broadcasting. He previously worked as a business presenter on BBC Radio 4’s Today Programme, interviewing chief executives from the UK’s FTSE 100 Index, and prior to that was the Business Editor of the Sunday Times. Under his editorship, the paper broke a series of big business stories.
Nici Audhlam-Gardiner
Chief Executive Officer, Foresters UK
Nici has an extensive background in retail banking, insurance and investments. Her current role is Chief Executive of Foresters Financial, one of the larger Mutual Insurers in the UK, focused on supporting everyday families to save and protect themselves for the future.
Nici was previously Chief Commercial Officer at OneFamily, Managing Director of Saga Money, and she has held senior roles at major banking groups, including Santander and Royal Bank of Scotland. Nici has held several board positions, including non-executive roles at Accent Group and Catalyst, both social housing associations, and she is an executive board member at Foresters.
Nici chairs the Financial Education Committee of TISA (The Investment and Savings Alliance), focusing on how we can support the financial education and wellbeing of young people. She sits on the board of The Association of Financial Mutuals.
Nici graduated from Oxford University with a first-class degree in Biochemistry and achieved her MBA at Harvard Business School. She represents Great Britain in Duathlon.
Steven Cameron
Public Affairs Director
Aegon
Steven Cameron is Aegon UK’s Public Affairs Director, with responsibility for analysing and lobbying on proposed changes from regulators and Government regarding pensions, savings, regulation and the provision of advice. He is one of the industry’s top commentators on these topics across trade and consumer media. An actuary by profession, he has 40 years’ financial services experience. He is Chair of TISA’s Retirement Policy Committee and a member of their Strategy Committee and Financial Guidance & Simplified Advice Working Group.
Colin Clarke
Head of Product Policy Strategy, Workplace Savings
Legal & General
Colin has worked in the pensions industry for over 34 years and has held a number of senior technical and management roles at Legal & General during this time. He currently provides technical and policy strategy advice to the Workplace Savings business and is passionate about improving member outcomes. He is a member of TISA’s retirement policy committee, retirement strategy group and young people’s financial education council and represents L&G on a number of other trade body and government forums and committees.
Emma Douglas
Managing Director of Workplace Savings
Aviva
Emma Douglas joined Aviva in 2021 as Managing Director of Workplace Savings business, with the accountability to deliver the best possible outcome for over 4 million customers/members and their £110bn of assets as they save for and access savings in later life. Emma is also the Chair of the Pensions & Lifetime Savings Association; having previously chaired the PLSA’s Policy Board since 2018.
Before joining Aviva, Emma was Head of DC at Legal & General Investment Management, where she was primarily responsible for developing LGIM’s DC business and Investment Strategy. She joined LGIM in 2014 from Mercer where she held the position of Partner and Head of Mercer Workplace Savings. Previous roles in Emma’s career include the Head of DC Sales at BlackRock and Head of DC Pensions at Threadneedle Investments.
All told, Emma has more than 20 years of experience in the investment management industry. She graduated from Trinity College, Oxford, and holds an MBA from Manchester Business School via a Women in Management Scholarship from the Guardian.
Peter Glancy
Head of Policy
Lloyds Banking Group
Pete has been with Lloyds Banking Group for 34 years, holding a broad range of senior positions across Operations, Change, Corporate Ventures, and Propositions before taking on the Public Policy remit 9 years ago. Pete is on the Pensions Panel at the CBI, the DC Committee at the PLSA, The Strategy Council at TISA, and various committees at the ABI. Pete is also a Non -Executive Director at Criterion Tech UK.
CEO,
Octopus Money
Ruth Handcock is CEO of Octopus Money, a money advice brand for everyone. The new brand – Octopus Group’s second mass consumer brand alongside Octopus Energy – offers money coaching and advice to millions of people across the UK, regardless of how much they earn or are able to invest.
For her first 5 years as part of the Octopus Group she was Chief Executive Officer at Octopus Investments, an asset manager with £13bn under management. Prior to this she was a founding employee at Tandem, a new UK Challenger Bank, and was responsible for achieving their banking licence. Ruth started her career with 8 years in strategic consultancy before joining Bacardi as Finance Director of their Martini & Cognac portfolios. She is an independent non-Executive Director of Aldermore Bank and sits on the Octopus Group main Board.
Ruth is passionate about education – in finances and beyond – having spent a year working in the Ministry of Trade in Sierra Leone to attract overseas investment and establishing a primary school in Freetown. Ruth was also Governor at Bolingbroke Academy, a non-selective state secondary for 6 years.
Charles Randell CBE
Financial Inclusion Commission
Charles Randell CBE is a member of the Financial Inclusion Commission. He chaired the Financial Conduct Authority and Payment Systems Regulator from 2018 to 2022 and was a member of the Prudential Regulation Committee of the Bank of England from 2013 to 2018. Prior to that, as a partner at Slaughter and May he was the Government’s lead external legal adviser during the Global Financial Crisis.
Chief Executive Officer, TISA, Membership Services
Carol is CEO, TISA Membership Services and Company Secretary. Carol has been in financial services since 1998, having previously worked in variety of industries, including education, local government, Civil Service and the gaming industry.A qualified and experienced teacher Carol gained her degree at King Alfred’s College in Winchester and taught in Romsey, Hampshire. She then spent 7 years at Skandia, managing the PEP & ISA new business and transfers department.
Carol joined TISA in 2004 and has been responsible for the day-to-day running of the Association’s administration centre, technical support, member communications, expanding the events and training programme and technical issues in the cash savings sector. In 2009, she also took on the role of Company Secretary. Carol joined the TISA Board as Operations Director in July 2011, extending her responsibilities to include finance. This was swiftly followed by taking a position as Executive Director for TISA Exchange.
In August 2015, Carol became Chief Operations Officer for TISA, supporting the Director General with the general running of the company and with personal responsibilities for Children’s Financial Education, internal administration, HR and finance together with acting as TISA spokesman for the media and at functions.
Carol is also a Director for both TeX (the contract club managing the legal structure supporting electronic messaging for transfers) and CT Holdings & Services Ltd (which operates under the brand of STAR where TeX and Criterion are working in collaboration to deliver the Service Level Agreements recommended by the Transfers & Re-registration Industry Group tasked by FCA to improve transfer times).
Chairman, TISA
Tony Stenning, Chairman of TISA has been a non-executive director since 2014. Tony is also a Partner and Head of Liquid Alternatives at Downing LLP, a responsible investment manager that strives to provide investors access to rewarding investment opportunities by making investments based on both their profitability and their environmental and social impact. Tony has worked in in financial services for over three decades, beginning his career as an economist and fund manager. He has spent the majority of his career at BlackRock where he was a Managing Director and held various senior positions. Tony plays an active role with a number of industry bodies, frequently engaging with regulatory authorities and government on a range of industry issues / initiatives. Tony holds a BA (Hons) in Economics and is also a Fellow of the Chartered Institute for Securities & Investment.
Larry Banda
CEO, TISA Commercial Enterprises
Larry is CEO, TISA Commercial Enterprises and was appointed in his new role in February 2023 while continuing with his non-executive director role as Deputy Chair of TISA.
Larry brings a raft of board and executive experience to the TISA Group, having been an NED/Chair of Mortgage Brain and The Mortgage Trading Exchange for nine years and having been on the TISA Board since 2015.
Larry became Deputy Chair in 2020. He has supported TISA’s Executive team as Board representative and been directly and actively engaged in TISA’s work on Later Life Lending and Personalised Guidance where he chairs the cross-industry working group.
Larry served 34 years with Nationwide in many senior positions across multiple disciplines prior to taking early (semi) retirement in August 2020. His roles included Director for Financial Planning, Protection & Investments from September 2015, which included developing roboadvice solutions in the FCA sandbox, before expanding that role to include all of Mortgage Distribution (inc. Intermediaries) in 2019. This also included “Nationwide-Now” the video conferencing service launched for Mortgages and Financial Planning.
Larry has previously been Director for Branch Network, contact centres, was Head of Mortgages and has held CF1 responsibilities as Managing Director of The Mortgage Works, the largest Buy-to-Let lender in the UK.
Prior to leaving Nationwide, Larry launched the new Later Life advice team for Lifetime Mortgages and introduced the “Video to Member” service at the start of the pandemic, a full advice video conference capability linking Financial Planners, Mortgage Consultants and Later Life advisers to members in their own homes.
Head of Retirement, TISA
Renny has been at TISA for over 7 years and is the Head of Retirement. He has been in the industry for over 30 years and has held various management and senior management positions at organisations ranging from a large mutual life and pensions company, a bespoke SIPP provider, an IFA and a platform technology provider. Qualifications wise he holds the CII accreditations of Certificate in Life and Pensions, Certificate in Financial Planning and Diploma in Financial Planning. He is a frequent commentator in the media and has significant involvement in the ongoing government agenda of change through his TISA role and membership of several industry working groups and committees.
Policy Director
TISA
As Policy Director at TISA, Lisa has emerged as one of the leading voices in Consumer Duty, having brought together the industry to produce a comprehensive Best Practice Guide, and currently working to bring about a standardised framework for data sharing across the distribution chain. Lisa also leads TISA work on vulnerability, an area which she is particularly passionate about, having had lived experience.
Lisa is an experienced outsourcing, risk and CASS specialist with over 25 years’ experience in financial services, with a particular focus on client protection. She has held senior roles encompassing oversight of outsourced delivery of services within the asset management sector to both retail and professional clients, and held the role of CF10a, an FCA approved role responsible for compliance to Client Asset Protection. Prior to this she held senior roles in a large outsourcing service provider, including as a Lead Client Relationship Manager responsible for delivering services appropriate for a regulated firm, and leading large operational finance teams based in the UK and India.
She has significant experience in implementing oversight and risk management frameworks to effectively identify and manage the risks associated with outsourcing and offshoring regulated activities. During her time as a CF10a, she took a key role in a joint client/service provider remediation programme, gaining valuable experience and insight into meeting the regulators expectation in relation to service providers performance, and regulated firms oversight of its outsourcing arrangements.
She has a breadth of regulatory knowledge, in particular with a deep understanding of SYSC; CASS; COBs; COLL; MiFID; and MiFID II and is accomplished in assisting senior managers to Board level in understanding regulatory obligations.
Sophie Legrand-Green
Policy Executive, TISA
Sophie joined TISA in January and has already got stuck into our work on the Advice/Guidance Boundary Review, TISA’s Inclusive Investing initiative, and leads our Financial Crime and Taxation committees. Before joining us, Sophie worked in Wholesale Markets Policy at the FCA, gaining experience in Primary and Secondary legislation, as well as FCA consultations. She has worked on Brexit and the LIBOR transition, and recently returned from a secondment to the Federal Reserve Bank of New York.
Tulip Siddiq MP
Economic Secretary to the Treasury (City Minister)
Tulip Siddiq has been the Member of Parliament for Hampstead and Kilburn since 2015. She also serves as Shadow Economic Secretary to the Treasury (City Minister), leading on the development of Labour’s policies for the City and on the financial services regulatory environment. In Parliament, Tulip has been a passionate campaigner for early years education and flexible working, and, for six years, she led a successful campaign in Parliament to release her constituent Nazanin Zaghari-Ratcliffe from prison in Iran. She is also a board member of the arts and theatre charity Good Chance and a patron of Leaders Plus, an organisation which supports parents in their careers.
