Harriett Baldwin MP
Chair, Treasury Select Committee
Harriett was elected as the Member of Parliament for West Worcestershire in May 2010, where she has lived since 2006. Between 2010 and 2015 she has served on the Work and Pensions Select Committee, and then Parliamentary Private Secretary to the Minister for Employment in the Department of Work and Pensions. She represented the UK on the NATO Parliamentary Assembly. In 2014, Harriett was appointed to the role of Assistant Government Whip and then promoted within the Whips Office to the role of Lord Commissioner to HM Treasury. Following her re-election in 2015, Harriett became Economic Secretary to the Treasury (City Minister) and moved to become Parliamentary Under Secretary of State in the Ministry of Defence responsible for Defence Procurement in July 2016. Between 2018 and 2019 Harriett served as Minister for Africa, having been appointed Minister of State at the Foreign and Commonwealth Office and Department for International Development. Following her re-election in 2019, Harriett joined the Treasury Select Committee and was elected to the post of chair of the committee in 2022. She also chairs the British Group Inter-Parliamentary Union, co-chairs the International Parliamentary Network for Education and in 2020, she re-joined the UK delegation of the NATO Parliamentary Assembly.
Therese Chambers
Director of Consumer Investments, FCA
Therese Chambers began her career in private practice in the City as a commercial litigator. She has spent 20 years in UK regulatory enforcement at the FCA and FSA, running investigations and conducting litigation in relation to some of the most high profile, complex and challenging regulatory enforcement cases. She is an acknowledged expert on UK financial services regulation and her experience and expertise covers the full range of the FCA’s jurisdiction. Most recently, she was Director of Retail Investigations, responsible for the FCA’s retail investigations portfolio, which includes anti-money laundering, pension scam and misselling investigations. Since January 2022 Therese has been the Director of Consumer Investments, responsible for leading the FCA’s work to protect consumers from the harm caused by scams, poor investments and unsuitable investment advice. Therese is also responsible for the delivery of the FCA’s Consumer Investments Strategy.
Nici Audhlam-Gardiner
Chief Executive Officer, Foresters
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 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.
Mark Evans
President & CEO, Conquest Planning
Richard Caldicott
Financial Advice Director, Hargreaves Lansdown
Richard is passionate about solving the problem of how to make good money management more accessible and inclusive. He recently joined Hargreaves Lansdown as Financial Advice Director where is focused building solutions to support all their clients with both advice and guidance. Prior to joining HL Richard worked with M&G Wealth where he led the development of both their D2C business and their successful retirement focused hybrid advice business which enabled very many more of their clients to access advice than was previously possible. Richard has a strong understanding of the many superb Fintech companies operating in this space and believes that partnerships are the best way to succeed.
Jonathan Cavill
Partner, Pinsent Masons
Jonathan is a financial services specialist, focusing on investigating and managing systemic challenges. Jonathan devises strategies and solutions which reflect commercial drivers, operational preferences and stakeholder objectives – and which reduce regulatory scrutiny. Jonathan’s team consist of barristers, ex-regulators and ombudsmen.
Andrew Cullen-Jones
Director, Business Development & Advice, St. James's Place
Andrew joined SJP in September 2013 and is currently responsible for Advice Policy, Technical Support, Product Proposition and Financial Planning and Advice Technology at St.James’s Place. Andrew is a graduate of the University of Bristol and a Fellow of the Institute of Actuaries.
Simon Farrant
Head of Business Development, Fidelity International
Simon is Head of Business Development for Fidelity International's Workplace and Financial Health Business, which operates in a variety of jurisdictions in Europe and Asia. The Business Development function informs and implements strategic budgetary, policy and resource allocation decisions within the business. It also supports the formulation and execution of the business policy and change agenda. Simon has been with Fidelity since 2009, where he has performed a variety of previous roles, notably supporting Fidelity's advisory platform business in the UK as Head of Proposition. Prior to his time at Fidelity, Simon spent the early part of his career in the Independent Financial Adviser market and immediately prior to joining Fidelity, in the adviser software industry.
Anthony Harrison
Barrister, Pinsent Masons
Tim Hogg
Senior Consultant, Oxera
Tim leads the Behavioural Economics practice at Oxera; conducting experiments and surveys into customer behaviour and outcomes. He advises businesses on how to design effective customer communications, and how to assess whether products and pricing are providing fair value. Tim is an experienced trainer in behavioural science, recently in the context of helping firms implement the Consumer Duty. Tim has worked across sectors, including: savings and investments; insurance and pensions; consumer credit; and retail banking. He holds MSc Behavioural Economics from the University of Nottingham.
Venetia Jackson
Senior Associate, Pinsent Masons
Venetia has worked on some of the leading policy initiatives from the FCA in recent years. She led on drafting significant aspects of the FCA's Consumer Duty and led the legal advice on the FCA's intervention in general insurance pricing. She has significant experience across retail financial services, having advised on insurance regulation, product governance and unfair contract terms.
Venetia is experienced in redress issues, having advised on FCA regulatory powers to secure redress both on a market level and on individual firm level. She has a pragmatic and commercial approach to legal advice, providing practical advice to clients on how to comply with their regulatory obligations.
Sarah Layden
Interim MD Direct Wealth, Aviva
Sarah Layden is leading the development of Aviva’s £2bn D2C Wealth business, building a market leading digital platform to empower our customers to take control of their investments. Sarah’s key area of interest is in how we evolve the industry, aided by technology, to make advice and guidance accessible for all our customers. Sarah has over 20 years of experience at Aviva in Life and General Insurance.
Ben Leonard
CEO & Co-Founder, Life Moments
Ben is CEO at Life Moments, a purpose-led business helping leading brands to design, build and operate digital wellbeing experiences that help people play life better. Co-founded in 2018, Life Moments worked with Aviva, Virgin Money, Standard Life and a range of other FIs to accelerate their customer experience offerings.
Life Moments has particular expertise in enabling data-driven customer obsession, helping their clients with both the philosophy and technology required to deliver customer outcomes at speed and in an iterative manner.
Katharine Photiou
Managing Director of Workplace Savings, Legal & General
Katharine is the Managing Director of Legal & General's Workplace Savings business. It’s a growth area for the Group, with over £65bn assets under management. She’s focused on driving better outcomes for its 4.8 million members by understanding their financial needs and helping them plan for their retirement at every stage of their working lives. Katharine’s been with Legal & General since 2015, joining LGIM as Head of Workplace Savings Product and Proposition before becoming Commercial Director – Workplace Savings. She has over 25 years' experience in the employee benefits and corporate consulting industry. That includes several senior roles at Friends Provident, Barclays Personal & Corporate Banking and Mercer, where she led the team that created Mercer Workplace Savings. She graduated from Lancaster University with a BSc in Marketing. She’s also achieved a range of Chartered Insurance Institute Qualifications and more recently the plus SAFe 4 Agilist certification. She’s passionate about driving innovation in pensions and wider savings. On a more personal level she’s married, lives in London and supports a number of animal welfare charities.
Tom Selby
Head of Retirement Policy, AJ Bell
Tom Selby is a multi-award-winning former financial journalist, specialising in pensions and retirement issues. He spent almost six years at a leading adviser trade magazine, initially as Pensions Reporter before becoming Head of News in 2014. Tom joined AJ Bell as Senior Analyst in April 2016. He has a degree in Economics from Newcastle University.
Emma Tilt
Head of UK Personal Investing, Fidelity International
Emma joined Fidelity in July 2015 as Head of Stockbroking Proposition & Delivery. Stockbroking was a new proposition for both Fidelity’s Personal Investing and Adviser Solutions (as was FundsNetwork) channels and she was responsible for defining the overall offering to take to consumers; building out the proposition to ultimately deliver a market leading brokerage service. Since then, Emma has done other roles across the business including defining the Stock Plan Services (SPS) programme strategy, Digital Advice and Customer Experience and Proposition. In November 2021 Emma became Head of UK Personal Investing responsible for the day-to-day leadership, direction and commercial management of Personal Investing in the UK. This includes formulation of future business strategy across the full range of clients, products and services, including brokerage, stock plan services and digital wealth advice as well as the execution of ongoing business plans. Emma also has profit and loss accountability for the UK PI Business and is responsible for all aspects of its commercial performance. Prior to joining Fidelity Emma spent seven years with TD Bank Group, holding leadership roles in Operations, Change Management and Technology before taking a Global leadership role in Toronto, Canada, accountable for defining a digital robo-advice proposition. Emma started her career as a Project Manager having worked at Barclays; she is both MSP and PRINCE2 certified. Emma has a degree in Marine Biology and a Masters in Restoration Ecology. She enjoys running, football, snowboarding, scuba diving and travelling.
Larry Banda
Deputy Chair, TISA
Faith Reynolds
Adviser to the Board, TISA
Faith is a strategic adviser to industry, government and regulators on fintech, Open Banking, Open Finance & Smart Data. She is the Independent Consumer Representative on the Open Banking Implementation Entity Steering Group. Faith is also a Non Executive Director for the Current Account Switch Service at Pay.UK. She advises the Lending Standards Board on the implementation of the Authorised Push Payment Scams Code and is a Non-Executive Director for Fair4All Finance which is responsible for promoting financial inclusion through the distribution of dormant assets. She is a Senior Fellow at the Finance Innovation Lab. Previously she was a member of the FCA’s Financial Services Consumer Panel and led the Data Rights Working Group for the FCA’s Open FInance Advisory Group. During an earlier part of her career she established Toynbee Hall’s financial inclusion services. She is a 2010 Clore Social Fellow.
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
Head of Technical Policy, TISA
Lisa has over 25 years experience in financial services with a breadth of regulatory knowledge and particular expertise in CASS. She spent 5 years at Architas Multi Manager as CF10a, and deputised for the COO in leading a function which included Third Party Governance, Operations and IT, as well as CASS. Prior to this Lisa spent 10 years with IFDS in various senior roles including as a Lead Relationship Manager and Head of European Cash and Stock Reconciliations. Lisa also spent some time with a Big 4 firm as a CASS SME. Prior to this Lisa worked in various operational roles in the banking sector.