TISA Annual Conference 2022
Increasing resilience through financial inclusion
Thursday 24th November 2022

             Partners  |  Speakers  |  Programme

TISA Annual Conference 2022

Soaring energy and food prices are deepening the cost-of-living crisis. With inflation hitting a 40-year high, the poorest UK households are hit disproportionately hard. Support for those who face hardship is imperative to help them effectively weather the historic income squeeze.

The current crisis puts the topic of financial inclusion front and centre as the ramifications of the big squeeze is having a detrimental impact on Britons’ financial resilience. At our Flagship Annual Conference 2022 we will explore how financial resilience of UK households can be boosted and how inclusive digital financial services can facilitate this, consider the importance of financial education and how young adults engage with their financial resilience and what the industry should further consider in helping them to improve their financial wellbeing.

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10:00 – 10:30 Registration & Networking 
 
10:30 – 12:00 TISA Information Zone
 
12:00 – 13:00 Networking lunch 
 
13:00 – 18:00 Conference programme  
 
18:00 – 19:00 Networking drinks 

CPD hours: 8.5 hours 

Venue Details

etc.venues St Paul’s

200 Aldersgate, London, EC1A 4HD

Partners

Exhibitors

Speakers

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Andrew Griffith MP

Economic Secretary to the Treasury and City Minister

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Dominic O’Connell

Business Correspondent, Times Radio 

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Steve Elliot

Managing Director UK&I, LexisNexis Risk Solutions

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Vikki Brownridge

Director of Operations, StepChange

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James Bruegger

General Partner, Chief Investment Officer, Seraphim Space

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Paul Feeney

Former Chief Executive Officer, Quilter

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Andrew Goodwin

Chief UK Economist, Oxford Economics

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Nick Hall

Chartered FLIBF, Business Development Director, Wealth Wizards

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Chris Hill

Chief Executive Officer, Hargreaves Lansdown

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Michelle Highman

Chief Executive, The Money Charity

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Sarah Marks

Chief Executive Officer, RedSTART Educate

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Bradley Northrop

Director, Pensions & Retail Investments, Alpha FMC

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Lauren Peel

Head of Markets, Consumer Insights and Product Design, Fair4All Finance

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Chris Pond

Chair, Financial Inclusion Commission

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Sarah Porretta

Propositions, Insights and External Engagement Director, Money and Pensions Service (MaPS)

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Guy Rigden

Chief Executive Officer, MyBnk

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John Salmon

Partner, Hogan Lovells

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Samantha Seaton

CEO, Moneyhub

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Tony Stenning

Chairman, TISA

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Chris Wimpress

Head of Political Communications,
H/Advisors Cicero

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Carol Knight

Chief Executive Officer, TISA, Membership Services

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Harry Weber-Brown

CEO, TISA Digital

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Gary Bond

CEO TISAtech & TURN

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Prakash Chandramohan

Strategy Director, TISA

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Lisa Laybourn

Head of Technical Policy, TISA

Yet another great Annual Conference by TISA. Great oversight on what's out there, how we propose to address issues, whats happened this year and what lies ahead. I particularly like the collaboration with other non financial businesses to share knowledge and experiences.

Agenda

10:00 

Registration opens

Exhibition Hall opens

10:30

TISA Information Zone

An update on TISA’s strategic, technical and digital initiatives and the pressing issues of the day. 

12:00

Networking lunch in the Exhibition Hall

13:05

Introductory remarks from the Conference Chair

Dominic O’Connell, Business Correspondent, Times Radio 

13:35

Presentation – The Good, the Bad and the Ugly: a media and political analysis of the Autumn Statement

Chris Wimpress, Head of Political Communications, H/Advisors Cicero

15:00

Refreshment break in the Exhibition Hall

15:30

16:45

Partner presentation – Consumer Duty: A new era of customer-focused businesses and financial resilience

Samantha Seaton, CEO, Moneyhub

17:50

Summation from the Conference Chair

Dominic O’Connell, Business Correspondent, Times Radio

18:00

18:00

Drinks reception

Attendees

Just some of the companies that will be joining us at the Conference this year:

abrdn

Aegon UK

Al Rayan Bank

Alder Investment Management

Allfunds Bank

Alpha Bank London

Alpha FMC

Altus Limited

Asura Financial Technologies

Atlantic House Group

AXA Insurance

Bank of Ireland (UK)

Barclays Wealth

Baringa Partners

Benchmark Capital

Blackrock Investment Management

Bovill Limited

Bravura Solutions

Brown Advisory

Calastone

Cambridge Sustainable Investment Partners

Canada Life

Capital Generation Partners

Carmignac Asset Management

Cazenove Capital

CCLA Investment Management

Charles Schwab

Charles Stanley & Co

Clearstream Banking

Cleveland & Co

Close Brothers Asset Management

CMC Markets Investments

Coutts & Co

Crane Consulting

Dentons

Department for Business, Energy and

Industrial Strategy

Digital Moneybox

Dunstan Thomas Holdings 

Dynamic Planner

Embark Group

Embark Investment Services

Equiniti

Evelyn Partners

Fair Life

FCA

Fidelity International

Financial Inclusion Commission

FIS Global Business Solutions

Fluro

FNZ

Folk2Folk

Forester Life

Freetrade Limited

GBST Wealth Management

Global Processing Services (GPS)

Hargreaves Lansdown

HM Revenue & Customs

HSBC

IBP Markets

IG Markets

Invesco

Investec Bank

Investec Wealth & Investment

Janus Henderson

JPMorgan Asset Management

JTC Group

KPMG

Kroll

Legal & General Investment Management

LexisNexis Risk Solutions

LGT Wealth Management UK

LHCM

Link Group

Lloyds Banking Group

Logic Investments

London Stock Exchange

LV

M&G Investments

Maitland Administration Services

Margetts Fund Management

Mark Westwell

Money & Pensions Service (MAPS)

Money Guided

Moneyhub

More Carrot (Europe) SARL

Morningstar UK 

MyBnk

Nationwide

NatWest PLC

Northern Trust

Norton Rose Fulbright

OneFamily

Orbis Investments (U.K.)

Oxford Economics

PA Consulting Group

Pershing

Phoenix Group

Pinsent Masons

Plain Numbers

Platform One Limited

Platform Securities

Platforum

Propiteer Capital

Quilter

Raymond James Investment Services

RBC Brewin Dolphin

RedStart Educate

Revolut 

Sanlam Financial Services UK

Scottish Widows

Seccl Custody

SEI Investment (Europe)

Seraphim Space Manager

Sicsic Advisory

Simmons & Simmons

Sionic

SIX Financial Information

SS&C

St James’s Place Wealth Management

Standard Life

Tandem

Target Group

Taylor Wessing

Tendo Consulting

The Disruption House

The Giving Department

The Money Charity

The SimplyBiz Group

Thesis Asset Management

Third Platform Services

Trading 212 UK

Vanguard Asset Management

Walker Crips Investment Management

Wealth Wizards

Wealthify

WealthKernel

Whitefoord

Winterflood Securities

Woodhurst

Y-Tree

Wealth Wizards’ customers are financial services organisations and financial intermediaries and employers, all of whom are engaging with large numbers of individuals regarding their finances. We work with employers who wish to improve financial wellbeing in their employee population as part of their engagement and employee benefits programmes.

All of this comes from a single platform that combines machine learning and AI with best-in-class technology, guided by a core team of financial services professionals.

The platform provides holistic financial healthchecks, guidance on everyday finances, and financial planning and advice in investments, pensions and retirement.

Three customer propositions take all this to a wide range of end markets globally.

Growth is a process. We know that from our own experience as a business. Growth means ambition; a shift from one form to another through horizon-spotting, strategic planning, and risk assessment. It’s not just about getting bigger; it’s about expanding in the right, sustainable way. Propelling your business forward, embracing opportunities, and changing its shape for success. 

Compliance is a given – we’re the firm you can depend on, while navigating a myriad of regulations. We work closely with policy creators and decision makers at the highest levels. Our lawyers are embedded in your local markets, while keeping your interests connected across geographies, sectors, cultures, and disciplines. We can support you to protect and nurture your organization’s ethos while you grow, so you can reach what’s next without compromising who you are. Whether you need help with your investment decision, transaction, regulatory challenge, dispute resolution or risk analysis, we can support you across the globe, as a genuine extension of your team.

This is where we excel. We connect you with the right people to get the job done. Whatever direction you plan to take your business, we’ll be by your side as you grow – seizing every opportunity for your business to flourish.

Reinvent how your business
interacts with people

Navigating the digital world of data, legislation, and consumer consent can be daunting. We help you use data fairly (and to your advantage) to deliver digital services that customers need, and at the same time, prepare you for growth as your needs change.

Andrew Griffith MP, Economic Secretary to the Treasury and City Minister

Andrew Griffith was appointed Economic Secretary to the Treasury on 27 October 2022. He was previously Financial Secretary to the Treasury between 7 September 2022 and 27 October 2022. He was Parliamentary Under Secretary of State for the Department for International Trade between 8 July 2022 and 7 September 2022. He was Parliamentary Secretary (Minister for Policy and Head of the Prime Minister’s Policy Unit) from 3 February 2022 until 8 July 2022. He was appointed Adviser on Sustainable Infrastructure Investment from September 2021 until the end of December 2021. He was the UK’s Net Zero Business Champion from November 2020 until the end of the Cop26 UN Climate Summit. He was elected Conservative MP for Arundel and South Downs in 2019. The Economic Secretary to the Treasury is the City Minister and is responsible for financial services.

Steve Elliot

Managing Director UK&I, LexisNexis Risk Solutions

Steve Elliot, Managing Director of LexisNexis Risk Solutions UK & Ireland, is a specialist in financial crime compliance, with a wealth of relevant experience, having had responsibility for Anti-Money Laundering, Anti-Financial Crime, Security, Investigations / Litigation, Payments and Controls (1st line) across a range of roles in consulting, as a practitioner and within international law enforcement. Steve has considerable experience of operating across a number of different industry sectors, including a strong focus around Financial Services, both in his former role with consultancy firm, Huntswood, and in previous roles with Old Mutual Wealth and Zurich Financial Services. Steve is passionate about the role of technology and innovation in supporting effective risk management and compliance, and has advised many organisations on the transformation to digital KYC to create a safer customer on-boarding process.

Vikki Brownridge

Director of Operations, StepChange

Vikki leads the charity’s operational teams who provide debt advice and ongoing solution service provision for our clients across a number of sites and all jurisdictions in the UK.

She has worked at the charity for over 16 years in a number of senior leadership positions including Head of Debt Advice and Director of Client Experience.

Earlier in her career Vikki held leadership positions within outsourced providers and financial services organisations.

James Bruegger

General Partner, Chief Investment Officer, Seraphim Space

James, co-founder and CIO of Seraphim Space, is a prolific venture capital investor in the global SpaceTech domain. James was an early venture capital investor in Arqit, ICEYE, LeoLabs and D-Orbit and led investments in several companies that went public, including Spire Global and AST SpaceMobile. Previously, he worked at YFM Equity Partners and Burlington Consultants, a boutique strategy consultancy that was acquired by Deloitte & Touche. James holds a first-class degree in History from University College London. James has been a fund representative on the boards of a range of global leading SpaceTech companies, including ICEYE, D-Orbit, Ultrasoc, ALL.SPACE (formerly Isotropic Systems) and Satellite Vu.

Paul Feeney

Former Chief Executive Officer, Quilter

Paul has over 35 years’ experience in investment and wealth management, having previously worked for NatWest Private Bank, Gartmore and BNY Mellon. He was Chair of the Financial Conduct Authority’s Practitioner Panel from January 2021 to March 2022. Paul is Chair of the Quilter Foundation and a passionate campaigner on mental health issues.

Andrew Goodwin

Chief UK Economist, Oxford Economics

Andrew Goodwin is the Chief UK Economist at Oxford Economics. He is responsible for Oxford Economics’ UK forecasting and analytical content. Andrew regularly commentates on the UK economic outlook in the print and broadcast media. Andrew has been with Oxford Economics since August 2008. Prior to joining Oxford Economics, he spent three years working for Experian, where he managed the Regional Planning Service and was responsible for producing UK macroeconomic forecasts from the national level down to local authorities. Before joining Experian, Andrew spent four years as a senior economist at the Confederation of British Industry (CBI).

Nick Hall

Chartered FLIBF, Business Development Director, Wealth Wizards

Nick has over 25 years’ in senior advisory and management roles in financial planning spanning five major bank and building societies. He is a Chartered Fellow of The London Institute of Banking & Finance & Investment Expert with IMC. In his current role as Business Development Director for Wealth Wizards, Nick is focused on helping Master Trusts improve member engagement through consumer-led and human-assisted technology, while enabling schemes to grow Assets under Management.

Chris Hill

Chief Executive Officer, Hargreaves Lansdown

Chris has led Hargreaves Lansdown since 2017. As CEO, he has driven the digital transformation of the business, including setting the strategy to expand HL’s position as the UK’s leading digital wealth management platform. Ensuring HL is at the heart of creating a stronger culture of saving and investing with confidence remains essential, and this continued ambition has been reinforced by the launch of the Savings and Resilience Barometer which provides unique insight and creates a valuable dataset for policymakers. He joined HL with a track record of financial and operational execution with more than two decades of experience, across a range of business sectors. He was Chief Financial Officer at IG Group Holdings plc, a FTSE 250 online trading platform for retail customers, and was Chief Financial Officer at Travelex following a number of finance leadership roles at GE Capital. Chris qualified as a Chartered Accountant at Arthur Andersen and is an associate member of the Association of Corporate Treasurers. Outside HL, he is actively engaged in debates about financial policy including as a member of the Board of the Investment Association and of the FCA Practitioner Panel.

Michelle Highman

Chief Executive, The Money Charity

Michelle leads all aspects of the charity, as well as representing us in the public sphere.

She is well-versed in the financial services industry, having spent 13 years at the Financial Services Authority (FSA) in a variety of management roles. Her particular area of expertise is Financial Capability, which she developed while she held a leading role in implementing the national strategy for Financial Capability at the FSA and setting up the Money Advice Service. In addition, Michelle is a trustee of Gambleaware and a member of pay.uk’s End User Advisory Council.

Michelle’s extensive interest and passion for Financial Capability fuels her aspiration to increase and diversify The Money Charity’s offering, with the overarching goal to empower people in the UK to stay on top of their money.

Sarah Marks

Chief Executive Officer, RedSTART Educate

Sarah is Chief Executive Officer of RedSTART. Previously, she undertook the role of the RedSTART Development Director, when she was responsible for developing our case for support and fundraising strategy. Sarah has over 20 years experience leading client service teams in the finance sector.

Bradley Northrop

Director, Pensions & Retail Investments, Alpha FMC

Bradley is a Director and leads Alpha’s Retail Distribution and Advice practice. He has a range of experience across Retail Distribution including expertise in Financial Advice, Platforms and Wealth Management working with firms to manage the delivery of complex change and identify strategic opportunities in the market.

Lauren Peel

Head of Markets, Consumer Insights and Product Design, Fair4All Finance

Lauren Peel is Head of Markets, Consumer Insights and Product Design at Fair4All Finance. Fair4All Finance is a publicly funded non-profit working to increase the financial resilience and wellbeing of people in vulnerable circumstances by increasing the availability of fair and accessible financial products and services.

Lauren recently led the development of a segmentation model, identifying at least 17.5m people who are experiencing financial vulnerability, and is now working with a range of financial services providers to embed these learnings into proposition design. She’s also leading product design on the No-interest loan scheme (NILS), which aims to provide credit to those who can’t access it from responsible sources.

Lauren previously worked in Retirement propositions at Aviva, and is experienced in proposition and customer experience development within financial services. She is responsible for Fair4All Finance’s wider work on products and marketing.

Lauren lives in Yorkshire with her wife and their aptly named dog Calamity Jane.

Chris Pond

Chair, Financial Inclusion Commission

Chris has held senior leadership roles in the public, private and not-for-profit sectors, as chair and chief executive, executive and non-executive director, as a trustee and government minister. Chris is Chair of the Financial Inclusion Commission, the Lending Standards Board, the Equity Release Standards Board and Cape Claims Services, an asbestos compensation scheme, and is an Independent Director with Pay.UK. He has recently been appointed as Chair of TrustMark, the only Government Endorsed Quality Assurance Scheme for work in and around the home. He was previously Director of Financial Capability and Head of Consumer Affairs at the Financial Services Authority (forerunner of the FCA) and before that served as a Member of Parliament and as a Work and Pensions Minister. He has been CEO of two national charities and Chair or trustee of many others, currently serving as Trustee with the Money and Mental Health Policy Institute.

Sarah Porretta

Propositions, Insights and External Engagement Director

Sarah Porretta is the Propositions, Insights and External Engagement Director at the Money and Pensions Service (MaPS). She brings a significant understanding of industry needs and requirements. In 2018, Sarah led on the corporate strategy and the financial capability strategy for the UK at the Money Advice Service (MAS). Prior to MAS, Sarah was Head of Financial Inclusion and Education at Lloyds Banking Group, where she created a group-wide, multi-brand strategy for financial inclusion and education. During this time, she also chaired UK Finance’s Financial Inclusion and Capability Forum. She has also held senior positions at Cadbury and BAA.

Guy Rigden

Chief Executive Officer, MyBnk

Guy joined MyBnk in 2013, becoming CEO in 2016. He oversaw the development of MyBnk’s work with young adults in challenging circumstances and growth to become the largest, specialist financial education charity in the UK. He leads on policy and advocacy, being a member of the Money Advice Service’s Challenge Groups for Financial Education and the Consumer Advisory Board of UK Finance. Guy graduated from the London School of Economics BSc. International Trade and Development. He worked for thirty years in equities, firstly as an investment strategist and in emerging markets. In September 2011 he was appointed interim CEO of Microloan Foundation, Malawi.

John Salmon, 

Partner, Hogan Lovells

John Salmon is a highly experienced information technology (IT) lawyer with a market-leading reputation in the financial services sector. His main focus is advising financial institutions on their strategic IT projects and he supports his clients in implementing innovative digital and technology solutions whilst managing legal and regulatory risk. John has a leading reputation as a lawyer in the FinTech area and has been heavily involved with leading-edge developments. John has been actively involved in developing industry-wide solutions particularly in the sharing of data. Recently he has been heavily involved with open banking and open finance, having advised the Open Banking Implementation Entity in the UK since its inception including as interim general counsel.

John leads Hogan Lovells Digital Assets and Blockchain practice and has advised major banks and startups in this area. He spends a great deal of time educating regulators, policy makers and clients in the area of blockchain and crypto and has spoken to the European Parliament, IOSCO and many governments on this area.

In addition, John has extensive experience of drafting and negotiating both customer and supplier IT services contracts, including for development projects, software licensing, cloud, and systems integration.

Samantha Seaton

CEO, Moneyhub

Sam is an internationally-recognised fintech pioneer, a thought leader on diversity and inclusion, and a champion of financial wellness. She is the CEO of Moneyhub, the award-winning Open Banking, Open Finance, and Open Data platform that transforms data into personalised digital experiences and initiates payments. She joined Moneyhub following a distinguished career at Willis Towers Watson and at fintech eValue. Sam is passionate about the power of technology to improve financial wellbeing for all. She is a non-executive director at the Charities Aid Foundation Bank, a founding member of Open51, a group transforming financial services and building the new digital economy, and an advisory board member at impact investment platform The Big Exchange. She also serves on several industry panels, as well as representing the UK and Europe as a Non-Executive Director on the Financial Data and Technology Association’s (FDATA’s) Global Board. Sam is an avid horse rider and regular eventer, and treasures time with her husband and horses.

Tony Stenning

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.

Carol Knight

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).

Harry Weber-Brown

CEO, TISA Digital

Harry Weber-Brown CEO, TISA Digital who is responsible for delivering key industry infrastructure projects including the Open Savings & Investments and Digital Identity projects for consumers of financial services products. Harry has over 25 years of experience working in digital in strategic planning and programme management resulting in the delivery of transformational services within complex stakeholder environments. This includes a European Commission funded project focusing on opening bank accounts across European borders using Digital Identity delivered through the eIDAS framework. Harry has worked as a senior consultant, an interim Digital Director and as a Non-Executive Director as well an Angel Investor. He has experience consulting across a range of sectors and clients including the Public Sector (Cabinet Office, Department of Health, Home Office and DWP), the Commercial sector (Old Mutual, Lloyds Banking Group, Reuters and Ask Jeeves) and the Not-for-Profit sector (NSPCC, Shelter and the BBC). He has actively invested and mentored digital start-ups with a focus on Advertising Tech and Digital Marketing services.

Prakash Chandramohan

Strategy Director, TISA

Prakash Chandramohan is the Strategy Director for TISA, responsible for TISA’s overarching strategy and development plan as well as its Strategic & Technical Policy Initiatives. Prakash has over 20 years of financial services experience, including 8 years with Quilter plc where he was the Head of Product for their international investment platform and “owner” of key committees such as the International Investment Committee and Product Governance Committee. Prakash has extensive experience leading large scale regulatory change programmes and business rationalisation/transformation. He is an ex-investment banker with experience helping clients with M&A and capital raising.

Lisa Laybourn

Director of Risk and Technical Policy, TISA

As Director of Risk and Technical Policy 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.