Press releases are downloadable under the Ambassadors Bio's

TTF UK Ambassadors

David Pitt-Watson,

Visiting Fellow,

Cambridge Judge Business School


David is Co-Author of ‘The Purpose of Finance’, ‘What they do with your Money’ and several other books. He Co-Chaired the United Nations Environment Programme Finance Initiative, and led the Royal Society of Arts Tomorrow's Investor Project. David is the Treasurer of Oxfam, a Board-member at NESTA and is recognised globally as a leading thinker and practitioner in the field of responsible investment and business practice.


David is a winner of the Transparency Trophy and his ground-breaking work on 'Purpose' was the initial inspiration behind the creation of Team PISCES. David is a frequent speaker at TTF events.

Catherine Howarth,

Chief Executive Officer,



Catherine is CEO at ShareAction, the leading civil society organisation in Europe promoting Responsible Investment, transparency and good governance by institutional investors. Catherine holds a First Class BA in Modern History from Oxford University and an MSc in Industrial Relations from the London School of Economics. In June 2011 she was named a 'Rising Star of Corporate Governance' by Yale University's, Millstein Center. Catherine was recognised by the World Economic Forum as a Young Global Leader in 2014 and is a Transparency Trophy winner. Catherine is a frequent speaker at TTF events.

TTF + ShareAction Press Release, Catherine Howarth appointed Ambassador
Share Action + TTF Press Release, Cather[...]
Adobe Acrobat document [258.8 KB]

Daniel Godfrey


The People's Trust


For most of the last twenty years Daniel has held CEO roles at two trade associations. Firstly, as Director General of the Association of Investment Companies for eleven years and then, for three years, he was CEO of the Investment Association - the trade body for the UK’s £5.5 trillion investment management sector. At the Investment Association, Daniel drove forward the development of a client-centric set of Investment Principles. In addition to his role at The People's Trust, he is currently a Non-Executive Director of Big Issue Invest Fund Management, the Investor Forum and the Ethical Capitalism Group. Daniel is a member of the Transparency Task Force’s Costs & Charges Team and a Transparency Trophy winner. Daniel is a frequent speaker at TTF events.

TTF Press Release, Daniel Godfrey appointed Ambassador
TTF Press Release, Daniel Godfrey appoin[...]
Adobe Acrobat document [406.0 KB]

Con Keating,

Head of Research,

Brighton Rock Group


Con has been a member of the steering committee of the financial econometrics research centre at the University of Warwick. He has held senior positions at several international institutions including the European Federation of Financial Analysts Societies, Societe Universitaire Europeene de Recherche en Finance and the OECD’s private pensions committee. Con has published widely on the regulation of financial institutions and pension systems and has developed new statistical tools for financial data analysis. Con is involved with many of the Transparency Task Force’s Teams and is a winner of the Transparency Trophy. He speaks frequently at TTF events. 

Dr. Anna Tilba,

Associate Professor in Strategy and Governance, Durham University Business School


Dr. Anna Tilba is a researcher and a Lecturer in Strategy and Corporate Governance and a Director of Corporate Engagement at the Newcastle University Business School. She joined NUBS in 2012 from the University of Liverpool Management School where she obtained her PhD in corporate governance and where she was teaching Strategy both at undergraduate and postgraduate level.


Her research interests include pension fund investment, financial intermediation and networks, accountability, corporate governance and investor engagement.  Anna has an emerging record of publications in top tier academic journals. She also reviews papers for such scholarly journals as Corporate Governance: An International Review, Organization Studies, European Management Review, Business History and her papers appear at various international conferences. 


Anna has been a member of the Advisory Committee on Fiduciary Duties of Investment Intermediaries for the Law Commission. The Consultation Paper on Fiduciary Duties is commissioned by the Department for Business, Innovation and Skills (BIS) and the Department for Work and Pensions (DWP) and arises from the Kay Review of UK Equity Markets and Long-Term Decision-Making.


More recently, Anna has carried out research for the UK Financial Conduct Authority on the Effectiveness of the Oversight Committees as past of the FCA's Asset Management Market Study


Furthermore, Anna is a member of the Transparency Task Force’s Costs & Charges Team and the International Best Practice Team; and she frquently participates at TTF events. 

TTF Press Release: Dr. Anna Tilba appointed Ambassador
TTF Press Release Dr. Tilba Appointed Am[...]
Adobe Acrobat document [259.8 KB]

Ralph Frank,

Co-Head of DC,



Ralph was part of the team that set up Cardano's UK business in 2007. Prior to Cardano, Ralph was European Director of Consulting at Mercer Investment Consulting. Ralph is a Fellow of the Institute and Faculty of Actuaries. He graduated as a Bachelor of Economic Science from the University of Witwatersrand. Ralph is a leader of the TTF's Costs & Charges Team and a Transparency Trophy winner. 


Ralph is also on the Financial Conduct Authority's Institutional Disclosure Working Group being Chaired by Dr. Chris Sier.

Markus Krebsz,

FRSA, GCRP and Chartered MSCI,

The Group of Experts on Risk Management in Regulatory Systems


Markus is a seasoned Risk specialist and Government advisor with 25 years’ experience in global financial markets, thereof almost 20 years in managing risk.


Executive director and Board member of a new UK challenger bank. Previously, as Interim CRO, instrumental in launching/ establishing a high-profile capital markets/ lending institution start-up for the UK government and playing a pivotal role in achieving its strong investment-grade ratings. Current member of a United Nations working party on risk & regulation; previously advising the World Bank, the European Commission, the European Central Bank (ECB) and the Securities & Exchange Commission (SEC).


Co-Founder and acting Chairman of the Culture & Conduct Group, Chairman (ex-officio) of the Chartered Institute for Securities & Investment (CISI) FinTech Forum. Ambassador of the Transparency Task Force, member of its Banking team and contributor to the All Party Parliamentary Group (APPG) on Fair Business Banking. Mentor/ member at Google Campus.


Well regarded thought-leader and lecturer with some of the world’s best academic institutions and frequent appearances at Industry’s top speaking circles. Published author/ editor of several books, incl. on the Global financial crisis as well as other technical publications. Fellow of the Royal Society for the encouragement of Arts, Manufactures and Commerce (RSA).

JB Beckett,

Non Executive Director &

Author of "New Fund Order"


Affectionately known as JB, Jon Beckett was a well known and outspoken professional fund investor and analyst for two decades until he retired in 2018. His CV included assessing asset managers and the world’s largest single asset mandate (£109bn) for Lloyds Banking Group where he was also co-Lead if its Responsible Investing framework for the Insurance division.


As a Non Executive Director (NED) JB continues to be a vocal campaigner for better fund governance and value. A campaigner for professionalism and better standards in fund investing and due diligence; as Emeritus of the Association of Professional Fund Investors he previously led a global team to tackle issues arising from transparency, sustainability and technology. As Author of ‘#NewFundOrder’ and Co-Author of ‘The WealthTec Book’ and ‘Paytech Book’ JB has been a thought leader in the digitalisation and sustainability of asset management, speaking and writing globally.


A dedicated educator, JB is a guest lecturer at Stirling and Herriot Watt Universities and has written textbooks up to NQ Level 7 for the Chartered Institute for Securities and Investments, with which he is Chartered and a member of its disciplinary panel. He is a member of the Stirling Student Investment Managed Fund oversight committee and a NED for Royal London and SVM Limited.

TTF Press Release, JB Beckett appointed Ambassador
TTF Press Release, JB Beckett appointed [...]
Adobe Acrobat document [700.5 KB]

Robin Powell,


The Evidence Based Investor


Robin was a TV reporter, producer and presenter for more than 20 years, working for Sky News, ITV and for The Sunday Politics on BBC 1. For Sensible Investing TV, Robin produced and presented the online documentary ‘How to Win the Loser’s Game’. He is the founder of Regis Media, which provides niche content and social media management for growing fiduciary businesses and he also runs The Evidence Based Investor. Robin is a member of the Transparency Task Force’s Costs & Charges Team and a Transparency Trophy winner.

TTF Press Release, Robin Powell appointed Ambassador
TTF Press Release, Robin Powell appointe[...]
Adobe Acrobat document [389.9 KB]

Steve Conley,

Founder & CEO,

Values Based Adviser; and 

Principal Leader of TTF's Market Integrity Team


Values Based Adviser is an international operation helping individuals connect with values-based advisers, organisations and investments, and helping social entrepreneurs in developing countries set-up values-based investments.


In addition to his role at Values Based Adviser, Steve is:

 - Non-Executive Director, Workplace Pensions Direct

 - Director of The Blair Project, using motorsport as a tool for engagement to enthuse and inspire young people to pursue careers in science, technology, engineering and digital industries

 - Former Head of Investments of HSBC

 - Former Head of Savings & Investment Strategy RBS Group

 - Former Head of Wrap & Innovation at Santander

 - Former Chair of British Bankers’ Association Bancassurance Steering Group


Steve has worked at a senior level in the pensions and investments sector since 1982 and is known for bringing the first wrap platforms and the first retail multi-asset funds to the UK. He has been a chartered insurance professional since 1989, twice Jubilee Prize winner at IIM and twice Broker Prize winner at BIIBA.


Steve is an active participant in several of the TTF's Teams and is Principal Leader of the Market Integrity Team, which he initiated.  

TTF Press Release, Steve Conley appointed Ambassador
TTF Press Release, Steve Conley appointe[...]
Adobe Acrobat document [3.5 MB]

Henry Tapper, 

Founder of Pension PlayPen;

Director at First Actuarial


Henry is a blogger at, the Founder of Pension PlayPen (a fintech promoting confidence in workplace pensions) and a Director at First Actuarial.


He has campaigned for greater transparency in the pensions industry for many years and is very well known for his belief that there is a tremendous need to restore public trust in the pensions and investment industry, such that savers at large and ultimately the industry itself prosper in the long-term. 


In particular, Pension PlayPen has long campaigned for greater transparency on what happens to the pension contributions created by auto-enrolment.


Henry sees social media as a key means to get messages out to the public. When he's not at work he is on a boat in the summer and supporting Yeovil Town if it’s not.

Henry Tapper appointed Ambassador of the TTF. 10th November 2017.
Henry Tapper appointed Ambassador to the[...]
Adobe Acrobat document [249.9 KB]

Rory Maguire




Rory has been in the investment industry since 1997. Prior to co-founding Fundhouse in 2007, he was CEO of a fund management firm. He has had various executive roles at large and small fund managers and has significant experience inside both active and passive fund management firms.


At Fundhouse he focusses his efforts on fund research, asset allocation and overall business strategy.  Fundhouse is an independent, owner-managed investment consultant providing manager research, asset allocation and portfolio construction to institutional investors and wealth managers. 


Fundhouse is regulated by the FCA.

Philip Meadowcroft

Independent Shareholder Activist


Philip graduated from the University of Nottingham with a degree in Industrial Economics and after an early career in advertising he forged a business in developing and managing  export sales in emerging markets for global consumer goods companies.    


His concern about corporate governance has grown out of his chairmanship of the trustees of his family trading company’s SSAS and he came to public prominence in 2012 during the first Shareholder Spring – now a fixture on the corporate calendar.     The Times described his performance at the 2012 Aviva plc AGM which criticised the Board about excessive executive remuneration in relation to business results as a “slasher fest” – the CEO resigned four days later and the Chairman departed within two months.   


Philip demonstrated that company AGM’s could – and should - be converted, where appropriate, into robust challenges from ordinary retail shareholders - the more so when institutional shareholders generally prefer to stay away from such meetings.   


Earlier Philip was – and still is – a leading member of NUPAG (Norwich Union Policyholders’ Action Group) which campaigns for with profits policyholders to be treated respectfully and fairly by both providers and regulators. He has applied, with prominent media backing, the same relentless approach in tackling the FSA/FCA with particular reference to the way in which the current regulator, the FCA, has found itself hamstrung by its application of the so-called principles of Maxwellisation (a concept which quaintly  happens to immortalise one of Britain’s biggest corporate crooks) thus seriously delaying publication of the FCA’s report into the collapse of HBoS and RBS.   


Pursuing improved corporate and financial product transparency has been at the core of Philip’s campaigning activities.


Philip commented: “To be invited to be a TTF Ambassador is a considerable privilege though it is surprising because I am not a mainstream financial professional but I am absolutely independent and beholden to no organisation.  TTF has already made an indelible mark on the financial services scene and is now poised to become an even more influential force in coordinating intelligent and experienced evidence-based opinion to inform our political masters and product providers on the critical aspects of restoring, through markedly improved transparency, public faith and confidence in financial services.”

Ian Peacock

Chief Client Officer,

IG Group


Ian is currently Chief Client Officer at IG Group, a £3bn UK listed global on-line trading firm with offices in 20 countries.


Ian oversees a global team responsible for managing over £500m in annual client revenues. In 2016 he led the firm’s entry into the savings and investment by launching a digital wealth management platform, IG Smart Portfolios, in partnership with BlackRock. Ian is responsible for all aspects of the diversification strategy and serves as Chairman of the Investment Committee. He also served as Head of IG Group for the UK and Ireland.


Prior to joining the firm in 2015, Ian worked for Credit Agricole CIB as CEO of the Americas, based in New York, and later as UK CEO of their European Equity Franchise Cheuvreux. In parallel he headed their equity trading and distribution platforms globally. Ian was a member of the executive team leading various business launches, joint ventures and divisional turnarounds as well as launching one of Europe’s first MTF’s.


Ian’s other experience includes strategy and commercial roles at the London Stock Exchange, GE and various start-ups in the trading and investment space. 


Ian serves on the advisory board of CoInvestor, an alternative asset investment company.


Ian received a BSc (Honours) in Computer Science and Mathematics from the University of Leeds and an MSc (Distinction) in Strategy and leadership from London Business School where he was a Sloan Fellow. 

Mark Polson,

Founder and Principal,

the lang cat.


The lang cat is a specialist platforms, pensions and investment consultancy.


From its Edinburgh base, the lang cat works with platforms, life companies, asset managers and large advisory firms helping them interpret regulation, develop new propositions, turn marketing strategy into action and articulate their services in such a way that people without a financial services degree have a hope of understanding them.


Bit by bit it aims to leave the industry just a little better than it found it.


The lang cat is also a strategic communications agency, offering PR and communication services to clients across retail investment, protection and fintech. The comms guys have access to the techy guys, and the techy guys are helped by the comms guys to communicate with impact. It’s a good mix.


Mark is a prolific writer, contributor to the trade press and international public speaker, even when people ask him not to be.


He doesn’t play guitar as much as he’d like and spends more time than is reasonable going to gigs aimed at people considerably younger and more tattooed than him.

Mike Barrett,

Consulting Director, 

the lang cat. 


Mike is consulting director, and sole-proprietor of the lang cat Isle of Wight office.


A driver and survivor of platform mergers, migrations and RDR he held a number of senior roles at Skandia and Old Mutual Wealth, most recently Head of Platform Marketing.


His favourite platform is platform 4 at Southampton.

Julia Dreblow BA Hons, Dip PFS,

Retail SRI specialist;

Founder SRI Services & Fund EcoMarket  


Julia has worked in financial services since 1989, specialising in retail ‘sustainable, responsible and ethical investment’ (SRI) since the mid 1990’s. She now runs her own business the purpose of which is to increase support for retail funds which can help drive positive environmental and social change and meet client needs better. 


Her work includes consultancy and partnerships which includes running two free to use websites:

  • Fund EcoMarket is a unique, fund manager sponsored ‘whole of market’, advice process driven SRI/ESG retail fund tool. It brings together detailed information on screened and themed fund approaches and strategies, allowing researchers and advisers to bring this area into their operations.  (Sponsored by Liontrust, Rathbones, Sarasin & Partners, Pictet, Quilter Cheviot, Triodos Bank, Unicorn, M&G, JanusHenderson & Kames.)
  • SRI Services is a generic SRI information site for financial advisers which explains the principles of this area.

Fund EcoMarket was ‘Highly Commended’ in the 2015 Corporation of London Sustainable City Awards (Sustainable Finance) and again shortlisted in 2016 (the last time this category was offered). It was also shortlisted for a number of industry awards during 2016 and 2017.  


Julia is also involved in industry consultations and initiatives, writes in the industry media,  organises and speaks at events - primarily for financial services professionals.


Julia started her career as a trainee broker consultant at pension provider NPI. She moved to Friends Provident in 1996 - where she led their market leading SRI proposition and communications work until 2008.  She served as a main board director of not-for-profit industry association UKSIF from 2002-9, chaired their Retail Sub Committee and helped set up ‘Good Money Week’.

Helen Scott,

Chief Executive Officer,

Eris FX


Helen is CEO at Eris FX, an international payments firm based in Leeds promoting transparency, technical innovation, competition and good governance.


Helen holds a BA(Hons) in English Studies from Nottingham University and a Masters in Japanese Studies from Sheffield University.


She was previously Senior Far East Fund Manager for Family Assurance Friendly Society in Brighton and Head of Japanese Warrants Trading for Société Générale in Tokyo. 


She has spent the last three years successfully campaigning for the removal of unfair and misleading advertising practices in the payment services sector. 

Andrew Parry,

Head of Sustainable Investing,

Hermes Investment Management


Andrew Parry is Head of Sustainable Investing and a member of the Hermes Strategy Group. He joined the firm in 2009, initially as Chief Executive and Co-Head of Investment for Hermes Sourcecap, now Hermes European Equities, becoming Head of Equities in 2014 and taking on responsibility for developing Impact investing in August of 2016. In September of 2017 he became Head of Sustainable Investing to reflect the commitment of Hermes to building on their success in responsible investing.


In 2006, Andrew jointly founded Sourcecap with the aim of building a best-in-class investment boutique focused on excellence in European equity management.


Prior to this, Andrew established Pembroke Capital Management in 2003 and successfully launched the Magenta Fund, a global equity non-directional fund.


Before that, Andrew worked at Northern Trust Global Investments (Europe) Ltd as Chief Investment Officer of International Equities and was responsible for the management of global, international and regional portfolios.


He has also held a variety of senior investment roles, including Head of International Equities at Julius Baer Investments, Chief Investment Officer at Lazard Brothers Asset Management, and Head of UK Equities at Baring Asset Management.


Andrew holds an MA in Mathematics from the University of St Andrews. Andrew is Co-Chair of the UNEP Financial Initiative Positive Impact Steering Group and a member of the Investment Committee of the Trafalgar House Pension Trust.


He was formerly an independent investment advisor to the Investment Sub-Committee of the Mineworkers’ Pension Scheme and a non-equity director of Aerion Fund Managers.

James Daley,

Managing Director,

Fairer Finance


James Daley has been a consumer campaigner and financial journalist for more than 18 years. Before launching Fairer Finance, he worked for the consumer group, Which?, where he campaigned for a better deal for customers of banks and insurers in the wake of the financial crisis.


James is frequently interviewed on national television and radio, and has regularly appeared on shows such as Watchdog, Rip-off Britain, Dispatches and Supershoppers.


Before working at Which?, James spent 10 years as a business and finance newspaper journalist, latterly as the The Independent's personal finance editor and cycling columnist.


He lives with his wife and two children in Tooting, where he is also a local councillor.

William Price,


D3P Global


William Price is CEO of D3P Global, a company dedicated to building better pension systems globally.


He is an international pension expert who has worked for the World Bank - for whom he still works as a consultant - UK Treasury, UK Pension Regulator and in collaboration with the OECD and International Organization of Pension Supervisors (IOPS).


He co-created the Outcomes Based Assessments (OBA) and Outcomes and Risk Based Supervision (ORBS) models for pensions and has published extensively including the recent book “Saving the Next Billion from Old Age Poverty”.


He is also a Program Leader and Advisory Board member for Insurance and Pensions at the Toronto Centre for Global Leadership in Financial Supervision and an Ambassador for the Transparency Taskforce.


He gained his first degree from Oxford University and has a Masters in Economics from University College London. 

David Stripp,
Proposition Manager,
David Stripp Limited

David is a Lead on the Market Integrity Team (MIT) of the Transparency Taskforce. He has project managed the MIT’s 18 month project on Codes of Conduct & Codes of Ethics in Financial Services which has resulted in their White Paper released in July 2018.


With a background in pensions & benefits David spent over twenty years with Marsh and Mercer managing the SW region of Mercer Employee Benefits, and latterly in a proposition development and project & change management role.


Since 2011 David has worked with leading banks, insurance companies and national IFA firms developing propositions that have focused on aspects of governance and bringing change to the delivery of financial services. Projects managed have included developing and bringing to market a new workplace pension offering for SME clients of Mercer; building a product governance framework for a leading insurance company; defining an Operational Risk Management model for a national IFA firm; developing a governance proposition for Auto Enrolment clients of Barclays Corporate & Employer Solutions; developing a DB to DC proposition for a leading IFA firm; and developing a benefit package to sit alongside Auto Enrolment.


David also acted as Co-Chair of the Friends of Auto Enrolment Governance Task Force, playing a large part in the drafting of their Guide to AE. 

Jon Spain,
Law For Life

Jon qualified as a Fellow of the Institute of Actuaries (as it was) in 1977, since when most of his career has been in different aspects of DB pensions.


Having formerly worked at two large private sector consultancies for 16 years, he was employed by Government Actuary's Department from January 1990 until May 2018.


Professionally, he was a member of the Pension Fund Valuations & Market Values Working Party (which reported in October 1999) and the Valuation Rates of Interest Working Party (which was terminated before work was completed), serving on Pensions CPD Committee from 2010 until 2016 and is currently a member of the SIAS Committee.


His focus is trying to explain why the long-term future is not at all well addressed by short-term measurements, a battle still being fought.

Sunil Chadda,
Advisory Board Member,
Association of Professional Fund Investors

Sunil is an Advisory Board member and Special Adviser to the Association of Professional Fund Investors (APFI).


Sunil has 32 years’ experience in the asset management sector and is regarded as a UK leader on the subject of investment costs and charges and the impact of regulation thereon.


Sunil is passionate about cost transparency and seeks better social and financial outcomes for consumers of financial services. An asset management subject matter expert with 32 years’ experience in the asset management sector here in the UK, and abroad. 


Sunil has spent the last 17 years or so consulting at numerous asset management firms and was an Associate Principle, Investment Costs & Charges, at Grant Thornton.

Ruston Smith,
Tesco Pension Fund Trustee Board, Tesco DC Governance Committee, Tesco Pension Investment Limited

Ruston has over 30 years UK and international experience in the pension fund and investment industry.


Ruston is the Chairman of the Tesco Pension Fund Trustee Board, the Tesco DC Governance Committee and Tesco Pension Investment Limited (FCA approved investment business managing £14bn of Tesco’s UK DB assets), Chair of PTL and Chair of the Money Advice Service’s Financial Capability Strategy Workplace Steering Group.


He’s also a non executive director of JP Morgan Asset Management International Ltd, a non executive director of Smart Pension (Chair of their International Advisory Board), Director of Standard Life's Master Trust Company, a Governor of the Pensions Policy Institute and the Chair of GroceryAid (charity for the grocery industry).


He was a Co Chair of the Government’s Advisory Board, leading on Engagement, of the 2017 Automatic Enrolment Review. Ruston is a former Chair and Non Exec Director of the Pensions and Lifetime Savings Association, former Trustee Director of People’s Pension and the former Group Director of Pensions and Insurable Risk at Tesco.

Mark Falcon,
Founder and Director,

Mark is founder and director of Zephyre, a regulatory strategy advisory firm. Zephyre is currently an expert adviser/witness on multiple complex competition and regulatory cases in financial services and technology.


Mark is also a policy adviser to Which? (the UK consumer representative body), an Associate Faculty member at Imperial College Business School, and has been a longstanding Specialist Adviser to the House of Commons Treasury Committee.


Mark was previously an Executive Director at the Payment Systems Regulator, responsible for regulatory policy & strategy, and Head of Economic Regulation/chief economist at Three/CK Hutchison, the largest foreign investor in the UK, in multiple industries. Mark also helped to create Frontier Economics, Europe’s largest economic consultancy, establishing Frontier’s financial services practice. 

Andrew Mills,
Founder and Director,
Insight Financial Research

Andrew is an independent and expert analyst, commentator and writer on the financial industry. He works on a wide range of research-related projects, helping clients to understand and communicate the impact of economics, technology, demographics, behaviour and regulation on financial firms and the sector as a whole.


Andrew’s clients include world-leading companies in banking, asset management, research and consulting. He has worked for a range of national and international bodies, and been instructed as an expert witness.  Andrew works mainly in the UK and Europe, but also has extensive experience in Asia and the US.  He often speaks at industry events and is always ready to give his opinion!


With quixotic timing, Andrew founded Insight Financial Research in early 2008 and has been busy ever since. That followed a dozen years in professional services, first as a forensic accountant at Arthur Andersen and then in PricewaterhouseCoopers’ Valuation & Strategy practice.


Andrew is a strong believer in the social value of finance, but – like many – feels that the industry has largely forgotten its purpose. He is a member of the TTF’s Financial Stability Team, contributed to the Team’s 2018 white paper on avoiding future crises, and was an expert participant in the RSA’s Citizens Economic Council project.

Bob Compton,
Managing Director,
ARC Benefits Limited

Bob has over 30 years in strategic corporate pensions consulting at board level, having worked for leading actuarial firms, brokers and insurance companies, and established a number of different ventures. Managing Director and co-owner of ARC Benefits Limited, a specialist in pensions Management & Governance systems.


A long standing member of the East Midlands PLSA committee and a Fellowship Network Ambassador for the Pensions Management Institute, A Fellow of the Chartered Insurance Institute, and holder of the IIMR Certificate on Investment management.


Co-authored a book on Pensions Management, “108½ Tips to Tame your ‘Pensions Beastie’”, and contributed a section to an IoD handbook on workplace pensions.


Has provided input and Ideas in developing DWP and Pensions Protection Fund policy. Acted as the British Chambers of Commerce Pensions Policy advisor at the time Auto Enrolment legislation was developed, and instrumental in establishing the Association of Professional Pension Trustees.


Bob is a member of the Transparency Task Force’s Market Integrity Team, and a Transparency Trophy winner.

Wendy Addison,
Speak Out-Speak Up

Wendy Addison began her career as a professional ballet dancer, qualifying as an Chartered Accountant in the 1980s after being laid off with an injury. Climbing the corporate ladder, Wendy became the only female executive in her team, operating at board level as the International Group Treasurer for a publicly listed company.


Standing up for the values that support her principles Wendy attempted to report malfeasance, committed by the joint CEOs, internally but was met with purposeful obfuscation. Demonstrating courage and a willingness to endure the danger of being exposed, Wendy took a moral stand against bribery and corruption and blew the whistle externally.


Wendy's story is a human story of courage and endurance, of hope and justice. It covers many valuable teaching moments, including the psychological conflict of Speaking Up, the challenge for leaders to Listen Up, the importance of intra group dynamics and the long term emotional pain of shame and regret for those who feel disempowered to act.


Since securing justice in an 11-year war of attrition, Wendy has maximised her experience through studying the Social psychology and Neuroscience of Decision making at Stanford University in addition to being accredited to train for Courageous Conversations, a course developed over twenty-five years at Stanford by Professor Emeritus Philip Zimbardo and Dr Lynne Henderson Ph.D.


Wendy founded SpeakOut SpeakUp Ltd, a consultancy and training company in 2012 and provides training, lectures and talks to move people towards Courageous Conversations before they head for the exit marked ‘Whistleblowing’ 


Wendy is at the cutting edge of behavioural change, currently in collaboration with the University of East London‘s Virtual Reality Lab to develop Virtual Reality immersions for Courageous Conversations.


Additionally, Wendy is a lecturer at Surrey University and Warwick Business School, is a contributing member of the UNCAC Coalition, the Corruption Research Group of the Surrey University and sits on the advisory board of the Whistleblowing Research Unit which runs the International Whistleblowing Research Network at Middlesex University in the United Kingdom. Wendy has recently written a white paper for and on behalf of the OECD, called Openness in Organisations. She will be presenting this paper to governmental heads, in Paris in 2019.


Wendy’s clients and engagements have spanned the globe and range from speaking at TED Tokyo, providing training for the Council of Europe to addressing the needs and goals of companies such as BP, Nationwide, Mubadala in the UAE and Massy in Trinidad. 

Joe St Clair,
UK Director,
World Sustainability Development Forum

After a successful 18-year career as a Senior Executive at ‘Nationwide Building Society’ managing large projects and internal departments, Joe then enjoyed a second career as an ‘International Management Consultant’ for Logica/CMG working all over the world at Board level in some of the world’s leading Companies solving corporate problems.


His clients included Vodafone, M&S, DHL, Nat West, Prudential, EE, Thomas Cook, Morgan Stanley, The Environment Agency and many others.


In addition to his corporate work Joe is an established professional Writer and Conference Speaker with over 3000 articles published to date in leading magazines as well as the author of a number of books. He is also a fully qualified Life Coach, Hypnotherapist, ‘Reiki Energy Healer’ and Entrepreneur. 


From 2014-2018 Joe worked closely with eminent philosopher, scientist and writer Ervin Laszlo and was the Managing Director of the ‘Laszlo Institute of New Paradigm Research’ (L-INPR) in Tuscany, Italy – a conference centre and think-tank which brings together world experts in the fields of holistic and alternative health, consciousness, spirituality, sustainability and world issues.  

Joe is the author of the best-selling life-coaching book ‘100 Tips for Total Life Fulfilment’ with more books to be published in 2019 including ‘EarthPulse’ which analyses and attempts to solve the world’s most critical problems including climate change, pollution, poverty, corporate corruption, deforestation and human rights. In 2016 Joe was invited to take on the role of ‘Global President’ of ‘Eternea’ the US based organisation founded by the 6th man-on-the-moon, Astronaut Edgar Mitchell. Eternea is an organisation focused on research into Consciousness, Immortality and World Issues.


Joe is also the newly appointed UK Director of the “World Sustainability Development Forum” (WSDF) which is focused on meeting the targets of the ‘Sustainable Development Goals’ (SDG’s) and the ‘Paris Agreement’ on climate change, and works closely with WSDF Global President, Dr. Rajendra Pachauri, former Chairman of the IPCC (Inter-governmental Panel on Climate Change).

Professor Michael Mainelli FCCA, FCSI (Hon), FBCS
Executive Chairman,
Z/Yen Group

A qualified accountant, securities professional, computer specialist, and management consultant, educated at Harvard University and Trinity College Dublin, Michael gained his PhD at the London School of Economics where he was also a Visiting Professor. 


He began his career as a research scientist, later becoming an accountancy-firm partner and a director of Ministry of Defence research. During a spell in merchant banking in 1994, he co-founded Z/Yen, the City of London’s leading commercial think-tank.  He has led Z/Yen from creating smart ledgers (aka blockchains) through the Financial £aboratory, Taskforce 2000, Long Finance, Global Financial Centres Index, Global Green Finance Index, and Global Intellectual Property Index. 


Michael is an Alderman of the City of London for Broad Street, a non-executive director of two listed firms and a regulator, Emeritus Professor at Gresham College, Fellow of Goodenough College, and Past Master of the Worshipful Company of World Traders. His third book, The Price of Fish: A New Approach to Wicked Economics and Better Decisions, won the 2012 Independent Publisher Book Awards Finance, Investment & Economics Gold Prize.

Johan Cras,
Managing Director
Kempen Capital Managment

Johan Cras is Head of Institutional Relations at Kempen Capital Management, a specialist asset manager with a sharp focus and clear investment philosophy, currently managing €59.9 billion of client assets (as per 30th June 2018). Kempen Capital Management offers comprehensive fiduciary investment solutions and a number of specific investment strategies.


Prior to joining Kempen as Managing Director for the London team in 2016, Johan was a member of the Executive Committee of Achmea Investment Management, where he was responsible for the fiduciary management business and before that, he held several executive positions at Russell Investments, serving most recently as Chief Executive EMEA in London.


Johan is a member of the Kempen Capital Management Executive Committee. 


Press release:


Terry Webster,
Professional Trustee
Lindis Consulting

Terry is a qualified Actuary with expertise in UK based defined benefit Pension Schemes, having held a Scheme Actuary certificate for over 15 years, winning the Actuarial Post’s “Pension Actuary of the Year” award in 2015. 


Since becoming self-employed in 2016, Terry has graduated with an MBA qualification from Exeter University’s  “One Planet” MBA programme. It was this particular course’s focus on sustainability, long-term thinking, collaboration and ethics, alongside more traditional MBA studies, that particularly appealed to Terry, reflecting his own core values.


He is currently working as Director of his own consultancy business, Lindis Consulting, through which he seeks to serve his clients, using his experience, expertise and network to fill resource and skills gaps that may exist within client organisations.  Work areas include Management Consultancy, Pension Consultancy, Strategic Planning and Independent Trusteeships.


Terry is passionate about transparency, good communication and effective education, especially where finance is concerned.  Terry believes that financial and consulting services should be clear, accessible and designed for the benefit of all stakeholders.  Terry takes this outlook into all his interactions, aiming to provide clarity and to collaborate openly with those who share his vision of a much more effective, transparent, sustainable and client-centred future.

Sital Cheema,
Sustainability Investment Consultant,
Jaanu Consulting

Sital has15 years of investment experience across a broad range of disciplines including ESG and Climate Change Specialist, Chair of Global Thought Leadership Forum, institutional DB and DC business development, building strong investment consultant / client relationships as well as researching fund managers and monitoring their ongoing performance via due diligence.


Sital is responsible for publications, research and thought leadership, trustee training and advising institutional clients on how to genuinely integrate ESG into their overall investment strategy and underlying portfolios.


She speaks at conferences, sits on discussion panels and drives regulation forward through government consultation and draft reviews of new legislation.


In March 2019, she was appointed Steering Group Member to provide technical expertise on the BSI's Sustainability Investment Management Standards Project to develop PAS 7341.


Sital is an advocate of enhanced transparency of both physical and transition risks associated with climate change. Her ambition is to encourage a collaborative standardised approach leveraging the existing TCFD framework, Cambridge Impact Framework, ClimateWise Physical and Transition Risk Frameworks and SASB's model from the stock level upwards.


Transparency Task Force Ambassador (February 2019)


Member of the Sustainable Finance Network.

Peter Uhlenbruch,
AODP Investor Engagement Officer.

Peter Uhlenbruch currently leads investor engagement within ShareAction for the Asset Owners Disclosure Project (AODP), which publicly assesses and ranks how the world’s largest institutional investors are strategically responding to climate change. 

He is also the lead author of the ‘Winning Climate Strategies’ research report, which comprehensively reviews the leading climate strategies of 22 global asset owners including common features, barriers faced and practical advice for other asset owners.


He has a background in teaching business ethics at a range of Australian universities (including Monash University and RMIT) as well as industry experience in corporate governance research (at Ownership Matters), ESG ratings research (MSCI) and climate governance research (CDP). 

Annemarie Borg FRSA  
DES France,
Founder and Director,
Antara Project 
Environmentalist, Educator and Speaker for Ocean Preservation, Climate Change and Education Reform.
Visual / Artist / Photographer / Composer / Musician / Singer / Performance Coach


Founder and Director of the Antara Project
French and Swedish extraction


DES in Business and International Comparative Law from the University Paris


Opera Performance and Music History (London)
Counselling and psychotherapy (London)

On the Antara Project and my work:
Antara means from the heart. This project relies on communication, imagination and transparency. It aims to raise awareness in many areas which affect us all today and
for the future. (Education, Information, Climate Change, Ocean Conservation, Digital Inequality, Poverty and Social Change in a Global Perspective.) I firmly believe that “creativity” has an important place in our education system in order to empower the next generations to face and create a brighter future.

CREATIVITY and EDUCATION To teach any subject needs to include allowing one who learns and one who teaches to be creative and imaginative…To learn to think for oneself is imperative.

creativity > self esteem > inner strength > focus > courage >
commitment > empowers us to tackle change and leads to a
happier state of being

In the stillness we seek there lies an inevitable motion called Change.

John Howard,
Former Chair,
Financial Services Consumer Panel


John Howard joined the BBC as one of the leading voices on Radio 4. He presented documentaries, phone-ins and discussion programmes, winning several awards. He became best known as the consumer’s champion on the daily magazine programme ‘You and Yours’, which he presented for 14 years.


In 1997 he was invited to join the Mortgage Code Compliance Board as an independent director. He subsequently became a member of the Financial Services Consumer Panel, which he chaired for 3 years until 2008.


Between 2006 and 2008 he was a member of the Market Participants Group of CESR, the European committee of securities regulators, and he also joined the Treasury’s Retail Financial Services Group. On stepping down from the Consumer Panel, he joined the Board of the Financial Ombudsman Service and also became a Non Executive Director of the energy Regulator, Ofgem.


In 2010 he was appointed as an Independent Commissioner by the Treasury for the Equitable Life Payments Commission.  He served on the With Profits Committee and the Independent Governance Committee of Scottish Widows. He was a Trustee of the Thalidomide Trust. He is currently Vice Chair and Senior Independent Director of the Family Building Society and a Non Executive Director of the Banking Competition Remedies Company.  He is Chief Executive of the company he founded, Consumer Insights, which provides advice on principles based regulation and fairness in the financial, energy and water sectors.

Romi Savova,
Chief Executive Officer,


Romi is Chief Executive Officer of PensionBee, the leading online pension manager she founded to simplify pension savings in the UK, following a harrowing pension transfer experience of her own.


Romi began her career at Goldman Sachs at the height of the 2007 global financial crisis in the Credit Risk Management and Advisory Division, working in New York and London. In 2012 she joined Morgan Stanley’s Investment Banking Division to advise major banks, insurance companies and pension providers.


In 2014 Romi followed her entrepreneurial spirit to become employee number four and Head of Corporate Development at Credit Benchmark, which has subsequently grown to be one of the world’s most successful B2B data start-ups. Fascinated by the emerging world of financial technology, Romi incorporated PensionBee shortly thereafter.


Romi received an MBA from Harvard Business School as a George F. Baker scholar and graduated summa cum laude from Emory University.


In 2017, she was named Entrepreneur of the Year at’s Women in IT Excellence awards.

Mark Turner,
Managing Director,
Duff & Phelps


Mark is a Managing Director within Duff & Phelps’ Regulatory Consulting practice, specialising in risk management, control, governance and accountability within the financial services sector.


He has over 20 years of experience working in the financial services industry, in professional services and regulation. 
Mark has advised financial services firms on regulatory matters since 2013, prior to which he was a Senior Risk Specialist at the PRA and FSA, working within the Risk Specialists Division. During his time as a regulator, Mark reviewed the control infrastructure at several leading international insurers and banking groups. Before joining the FSA, Mark had a career within investment banking for over eight years and spent six years as an entrepreneur in the retail sector.

Mark has become one of the UK industry’s leading advisors on individual accountability and the Senior Managers and Certification Regime (SMCR), having advised some of the largest banks, insurers, brokers and other financial services firms on both implementation and the ongoing expectations of Senior Managers and individuals subject to the Certification Regime.


Advising a number of major financial banking institutions on SMCR implementation, including leading the implementation working with the Compliance function at one of the UK’s largest banks.

Advising one of the UK’s largest insurers on their compliance with the requirements of the Senior Insurance Managers Regime
(SIMR), including a review of Statements of Responsibilities and the Governance Map.


Designing a risk management framework, policy framework, governance arrangements, Compliance structure, three lines of defence model and policy and process implementation at a large financial services firm.

Leading a review of front to back controls at a European investment bank, following accounting irregularities and regulatory challenge. Recommending control improvements, and advising management of regulatory expectations and industry best practice.

Reviewing the governance, risk, compliance and control arrangements at a major general insurer, providing a report with findings and recommendations for improvements.

As a regulator, following a high profile rogue trading incident, reviewing the control infrastructure at a large European investment bank, advising the Supervision team on remediation actions; supported the FSA enforcement team in formal enforcement interviews with senior management.



Fellow of the Institute of Chartered Accountants (FCA)

BSc (Hons), First Class, Mathematics, Imperial College

Flora Coleman
Head of Government Relations,


Flora Coleman joined TransferWise - one of the fairest, easiest and most transparent ways to manage money across borders - as global Head of Government Relations in early 2016. This followed a decade of senior political advisory work, including nearly three years as a Special Adviser to the Leader and Chief Whip in the UK Upper House.


Flora has worked most policy areas but has a particular specialism in European politics and financial services. She played a key role in delivering the Cross-Border payments regulation, pushing for global transparency and to secure a law in the EU which means that from Q2 2020 the 500 million people in the EU will know what it costs to make an international payment. This law will lead to an addition €4bn in the European economy from day one.


In 2019 she was awarded as a stand out top 5 policymaker and regulatory expert in fintech by Innovate Finance, as well as the 4th most influential woman in UK public affairs. Flora advises start ups on political relations and is on the Steering Board of Coadec - the policy voice of start ups.


In her spare time she is the National Deputy Chair of the Tory Reform Group - an independent group which brings together members and friends of the Conservative Party to promote the values of One Nation Conservatism. She is an advocate for diversity in business and technology companies, and speaks passionately about the power of mentoring.

Mark Evans,
Group Business Development Director,
Tavistock Investments


Mark has worked in the Financial Services Sector for over 30 years.


Having worked for various Insurance companies and Fund Managers, he decided to form his own IFA brokerage in several locations across the UK. In 2000 he decided to scale down his operation which culminated in MBO’s for his advisers and then moved to work in the private client sector.


As well as running his own successful brokerage, Mark also has excellent experience of working with the expat community as he set up and ran a successful brokerage in Portugal as well as running his UK business interests . In 2012, he was recruited into major Financial Advisory group as a Business Development Consultant and was quickly promoted to Business Development Director. Six months later he was promoted to Managing Director. In 2017 he left to join Tavistock Investments PLC as Group Business Development Director.


Mark is a member of several Advisory and Steering groups within the Financial Services Sector and is a keen advocate of Transparency and Fairness.

Tom Levitt,
Sector 4 Foucs


Tom Levitt is a writer and consultant on responsible business, a field he has worked in since 2010 following 13 years as a Member of Parliament. In 2015 he helped to found the anti-poverty social enterprise, Fair for You, and has held several positions as a charity chair and company director. His current book is ‘The Company Citizen: Good for Business, Planet, Nation and Community’. As a consultant his clients have included major businesses, think tanks, councils and charities, and he's carried out ground-breaking research on the role of small businesses in the community.


Until recently he was a member of the independent sustainability advisory panel for Walgreen Boots Alliance and he sits on the British Standards Institute committee looking at the measurement of social value.


Starting his career as a science teacher in secondary schools, Tom lives in West London and is a season ticket holder at Brentford FC. His latest play, ‘PowerPlay’, a post-Brexit political tragicomedy, was performed in the 2018 Camden Fringe.

Cliff Southcombe,
Managing Director,
Social Enterprise International


Cliff is the Managing Director of Social Enterprise International Ltd and the Social Enterprise International Group of companies.  For the past 20 years his company has introduced and developed the concept of social enterprise in over 45 countries in Europe, Asia and Africa. Promoting the idea that best practice in all business is to be governed by ethics, values and social objectives and to manage through democratic and inclusive structures.


He leads a team of 20 leading experts based in Europe, South America and Asia. The Group has active Social Licences with a number of companies with shared values and objectives in Europe, Asia and Africa.  He is also a Founder of the FairShares movement helping to establish the FairShares Association and FairShares Institute.  FairShares being the model developed with Professor Rory Ridley-Duff whereby all stakeholders who create wealth get a fair share of the wealth and decision making.


Born in India but based in the UK, Cliff is one of the founders of the Social Enterprise movement in the UK in the early 90s. Previously he was manager of England’s first Community Cooperative in the 1980s and was a founder of the community enterprise movement.  He set up a successful managed workspace company in the 1990s.  He has pioneered work on legal structures, social auditing and social licensing and new practices on social enterprise governance and management.  He designed and delivered the first accredited courses in social enterprise management.


He lives in Robin Hoods Bay in North Yorkshire where he helped his own community set up a successful broadband social enterprise.

Rory Ridley-Duff,
FairShares Association


Professor Rory Ridley-Duff began working life as a director of the worker co-operative Computercraft Ltd.


After 12 years, he developed a research interest in the way democratic relations develop when alternative approaches to social entrepreneurship and cooperative governance are practised. He is now Professor of Cooperative Social Entrepreneurship within the FairShares Institute at Sheffield Business School. In addition to lead authorship of Understanding Social Enterprise: Theory and Practice, he catalysed a new sub-field with the publication of The Case for FairShares (see, and


His research on workplace democracy, social enterprise and the FairShares Model has been published in: Human Relations; Corporate Governance: An International Review; Industrial Relations Journal; Journal of Business Ethics; European Sport Management Quarterly; Public Management Review; International Journal of Entrepreneurial Behaviour and Research; Action Research Journal; Social Enterprise Journal; Japanese Journal of Human Welfare Studies and the Journal of Co-operative Studies. He has received best paper awards from Emerald Publishing, the Institute of Small Business and Entrepreneurship and the International Social Innovation Research Conference.


His academic leadership roles include: Associate Editor of the Journal of Social Entrepreneurship; Editorial Advisory Board Member of the Social Enterprise Journal; Trustee of the UK Society for Co-operative Studies; Group leader for Education and Dissemination, EMPOWER-SE COST Action coordinated by the EMES International Research Network. He remains connected to practice through directorships at Social Enterprise International Ltd, FairShares Association Ltd and SEi (FairShares) Ltd.

Joss Tantram,
Founding Partner,


Joss is a Director of WBCSD’s Redefining Value programme, dedicated to the development of initiatives and tools to align finance, business and true sustainability.


Joss is also a founding partner at Terrafiniti LLP, a pioneering sustainability and systems consultancy and leads their innovation initiative, Towards 9 Billion.


Joss Tantram is an expert in sustainable strategy, reporting and management, with 26 years’ experience in the private and not-for-profit sectors in the UK, Europe and world-wide.


Joss is the author of a wide range of practical guidance for sustainability professionals as well as the Towards 9 Billion book series – presenting big, playful, hopeful ideas for a sustainable, equitable future. Available from Amazon.

Baroness Ros Altmann CBE,

Pensions Expert,

House of Lords


Ros Altmann is a pensions expert with over 35 years’ experience in all aspects of pensions.  She was elevated to the House of Lords by David Cameron to become Minister of State for Pensions after the 2015 General Election and served until July 2016.


She was the UK Government’s Business Champion for Older Workers from 2014 to 2015 and was Director General of over-50s specialists Saga from 2010 to 2013. Ros was awarded a CBE in the Queen’s Birthday Honours in 2014 for services to Pensioners and Pension Provision.


For many years, Ros has championed pensions justice and led a successful campaign to help 150,000 people receive compensation when their occupational pension schemes collapsed. Her work was instrumental in setting up the system of UK pension protection.


She appears regularly in the media and writes and comments on economics, pensions, later life and consumer matters.  She has won numerous awards, including Pensions Personality of the Year (twice) and Industry Guru of the Year. 


Initially working as an academic analysing occupational pensions and pensioner income, she then began a City career managing pension fund assets. She ran the international equities investment operation at Chase Manhattan Bank, London and was a Director at N.M. Rothschild and NatWest. 


After having her children, she started an independent consultancy, advising Governments, the pensions industry and pension funds on policy and investment strategy, including sitting on several pension fund boards and investment committees. 


Ros has a Ph.D. in Economics from London School of Economics and was a Kennedy Scholar at Harvard.  She also has two honorary doctorates awarded for her work on pension investment from Westminster University Business School and Newcastle University. 

Press Release - Baroness Ros Altmann appointed as 100th Ambassador of the TTF
Baroness Ros Altmann appointed as Ambass[...]
Adobe Acrobat document [166.3 KB]
Robert Dellner,
Managing Director,
I3 Partners


Robert studied Economics and Business Administration in Stockholm and London respectively, Finance and Investments at LBS followed by Clinical Psychology in London and is currently completing a PhD/PHD with Trans4M on Impact Investments with a forthcoming book entitled Integral Impact Investments which is expected in 2019. 


With deep experience and expertise in finance and investments, he has been MD of Structured Products, UBS, Head of Market Sales and Credit Officer, Europe at Citigroup and Head of High Yield Sales & Research, Europe at BNPParibas. Subsequently he was made Global Head of the Client Solutions Group at Fortis Bank (now BNPParibasFortis) and member of EXCO where he also worked extensively on Organisational culture and business development and later with external bodies such as the FSA on culture impact within the finance industry.


Following this he worked as a Psychotherapist within the NHS and in private practice. He more recently was the Chief Credit Officer for the FinTech firm Assetz Capital and Head of Impact and Strategy at Lintel Capital where he helped to design a full spectrum Impact Investment strategy. He has always looked to engage with people and organisations of high integrity and who have the intention to develop and grow their firms and themselves in the process through a transformational journey.       


Among others, he is a member of the International Bankers Association (wcib), the Society for Organisational Learning (SoL), Institute of Business Ethics, (ibe), the Chartered Institute of Credit Managers (CICM), the British Association for Counselling and Psychotherapy, (BACP) and the UK Council for Psychotherapy, (UKCP). 

Antony Elliott OBE, FCIB,


The Fairbanking Foundation


Antony Elliott is founder of The Fairbanking Foundation. He spent over ten years as Group Risk Director of a major retail bank having worked for UK and international banks previously.


He has been actively involved in researching the field of financial well-being (“FWB”) since 2004 and has many published reports. The Fairbanking Foundation was formed as a charity in 2008 to improve FWB through better financial products and services. It conducts research, provides advice and is the certification body for the Fairbanking Mark. The Foundation is the only accredited certification body for financial products in the UK.


He has worked on financial capability measurement and behaviour change with MAS and its predecessor body (CFEB), currently sitting on the Research and Evaluation Group.


Antony has a degree in Banking and International Finance from City University and a master’s in Operational Research from Imperial College, London. In 2014 he was awarded an OBE for services to bank customers.

Sue Lewis,

Independent Board Member & Financial Services Consumer Consultant


Sue is an independent Board member and consultant. She is a Trustee Director at The People’s Pension, a leading UK multi-employer scheme. She is also a Trustee of UK national charities StepChange debt charity, the FairBanking Foundation and Surviving Economic Abuse. Until December 2018, Sue chaired the Financial Services Consumer Panel, an independent statutory body that advises the UK Financial Conduct Authority on consumer issues in financial services regulation.


Sue is a member representative on the EIOPA Occupational Pensions Stakeholder Group, and was previously a member of of the European Commission’s Financial Services User Group. She is also a consultant specialising in financial education, financial inclusion and consumer protection regulation, working with international organisations such as the OECD and Alliance for Financial Inclusion.


Sue was previously a senior civil servant, working in HM Treasury, the Cabinet Office and Department for Education.


Sue has a B.Sc degree in Mathematics and a Masters degree in Statistical Methods.

Martin Rich,

Co-Founder & Executive Director,

Future-Fit Foundation


Martin Rich is a sustainability and impact investment specialist, with over 20 years’ experience in both mainstream and social investment.

Martin co-founded Future-Fit Foundation 5 years ago with a vision of helping create a society which is environmentally restorative, socially just and economically inclusive. The foundation’s free-to-use tools enable businesses to take practical steps towards – and ultimately beyond – the SDGs, and empower investors to understand the total impact of their portfolios and thus direct capital accordingly.

Martin previously spent 7 years as Sales Director at Social Finance Ltd, where he focused on developing the investor base for social impact investments, including the first Social Impact Bonds. Before that he worked for 13 years in international investment banking on structured debt and derivative products for JP Morgan, HSBC and UBS.

Martin has a passion for sustainable development and poverty relief, focusing his pro bono efforts in both the UK and internationally with Access Foundation, Social Investment Business, Panahpur Foundation, and Christian Aid. He is also a former member of the Asset Allocation Working Group for the G7 Social Investment Task Force.

Siva Shankar,

Interim Projects &

Transactions Services,

FTSE 250


Siva has 20 years international experience in senior roles in industry sectors including brand deployment / franchising / financial services / technology / professional services / construction / real estate / building materials in Fortune 500 and in private equity backed organisations.


He has lived and worked in the UK, Continental Europe & Asia Pacific.


He also dedicates time every week to pro bono / altruistic work to make a difference where possible and is a strong believer that every single person can make a difference for the better

Prof. Paul Moxey Bsc(Eng), MBA, ACA, FCIS

Professor of Corporate Governance,

London South Bank University


Governance, culture and risk management consultant, expert witness, trainer and author


Paul is an acknowledged expert in corporate governance and risk management and for 13 years led ACCA's (the Association of Chartered Certified Accountants) global thought leadership on these subjects.  He now works with boards and executive teams in assessing and improving their culture and governance and risk management practices to improve organisational performance and resilience.  He also writes and trains boards and others on governance, board effectiveness, risk, business ethics and corporate culture and recently wrote a text book on corporate governance for ICSA.


Paul is visiting professor of Corporate Governance at London South Bank University, co-chairman of the CRSA Forum, a network of practitioners established in 1994 interested in the behavioural and cultural aspects of risk, governance and organisational performance, a fellow of scenario and futures consultants SAMI Consulting, a board member of the UK Policy Governance Association and an editorial board member of a governance journal.  He is a trustee of a sailing club and has been chairman of a small housing charity, and started and sold a successful small retail and printing business.


Paul is a chartered accountant and a chartered secretary and earlier in his career was a company secretary and group financial controller of a small UK listed company and then a larger unlisted company with 5,000 staff.


His publications include:


ICSA’s Certificate in Corporate Governance 2018


Incentivising ethics 2016

Capitalism and the Concept of the ‘Public Good’ 

Culture and Channelling Corporate Behaviour Summary of Findings.

Creating Value Through Governance: Towards a New Accountability.  

Risk and Reward Tempering the Pursuit of Profit.

Corporate Governance and the Credit Crunch

Liz Murphy,

Steering Group Member,

UK Values Alliance


Liz’s work is centred around discovering and putting values into practice - at a personal level, in organisations and in society as a whole. She combines 20+ years’ experience in culture and leadership development in international financial services organisations with science-based mind-body practices to advise, mentor and develop leaders driving organisational change and developing values-driven cultures.


The UK Values Alliance is a non-profit collaborative group seeking to put values at the heart of society by helping individuals and organisations become more aware of, understand and live their values.


As a steering group member, Liz is part of the leadership team that co-ordinates World Values Day, a successful global campaign to bring attention to values and values-based action around the world.


Gareth Morgan,


Ferret Information Systems Ltd


Gareth is a leading expert on advice and technology, particularly applying to the relationship between state benefits and financial products.


After a number of years working on advice and technology projects for Cardiff Citizens Advice Bureaux and for the National Association of Citizens Advice Bureaux, during which his project won the British Computer Society Award, he founded Ferret Information Systems, which is Europe’s leading specialist company providing social welfare advice technology and consultancy.


Amongst other leading-edge developments, Ferret produced the world’s first large scale roll-out of mobile technology in government and the world’s first WWW advice system in 1995.

Ferret works within the financial services area on tools for assessing sustainability and affordability and for holistic assessments of financial circumstances for customers.

Ferret produces the Future Benefits Model which models the effects of welfare benefits schemes on a rolling five year horizon and is widely used by researchers in academic and other organisations.



Gareth speaks, broadcasts and writes widely on welfare reform, social security, the practice and technology of advice work, and on the application of mobile technology, in the UK and abroad


Tom Baigrie,




Tom is 57, has had a moustache since long before facial hair became fashionable, rides a Triumph Tiger in London and a Harley Davidson elsewhere, rows 5km in 20 minutes on his machine most mornings and is a decade into learning the art of Tai Chi. He’s proud that LifeSearch customers rate it 4.6/5 on TrustPilot and that the whole business talks about their values of Care, Tolerance, Openness, Honesty and Excellence about 5 times more than they talk about profit, but he’s most proud of Angus, Patrick and Carolina and his 29 year and counting marriage to their mum Alison.


Tom Baigrie is the founder and CEO of LifeSearch, a business that every week helps over 2,000 people protect themselves and their families against the financial catastrophe that death or disability can cause. Tom started LifeSearch back in 1998 and called it that because it searches out the best covers from all the UKs insurers. Today LifeSearch’s 500 strong team is recommended by Money Saving Expert, Compare the Market, Moneysupermarket, Lloyd’s Bank, Which? and many others and is thus the largest protection intermediary in the UK. Since 1998, Tom and LifeSearch have seen more than 85 industry judging panels deem them the best at what they do, but the award that Tom is proudest of is LifeSearch’s third place, at the first time of entering, in the ‘Sunday Times Top 100 Companies to Work For’ listing.


Tom set up LifeSearch originally because he saw banks ripping off customers with policies he could arrange for far lower premiums by shopping around and giving customers proper protection advice. Ever since he’s felt that leading financial services retailers should shape their market and has thus long campaigned for better insurer and distributor practices. His statement that “The claim is our core product, not the policy” is amongst the most widely quoted in today’s UK protection market. 

Laurence Wormald,

Investment Manager,

Random Performance


Since 1992, Laurence Wormald has held positions at several central banks, investment
banks and financial technology firms. He is now working as an independent consultant in
investment risk management.


Laurence started his career as a university lecturer in
theoretical physics, before joining an investment team at the Bank for International Settlements in Basle in 1992. He went on to work at the European Central Bank in Frankfurt
and the at the Bank of England (Monetary Analysis Division) until 2002, supporting the economic research and monetary policy committees at those central banks.


After a spell as chief risk officer for a London-based proprietary trading unit of Deutsche Bank until 2008, for 10 years Laurence held the position of head of research at FIS’ buy-side, valuation and trading businesses, responsible for the team which developed and maintains the widely-used multi-asset-class market factor risk model APT.

Risk management underpins all modern finance as the essential discipline for practitioners and financial product development. The integrity of the models which are used in risk management is critical to transparency and policy-making across banking, investment management and trading. Laurence has served on the councils of academic institutions such as the Centre for Computational Finance at Essex University, and with professional
societies such as Inquire UK, to try to develop the most intuitive and rigorous models for pricing and risk management.

Ian Ashleigh,

Risk and Compliance Consultant,

Compliance Matters


Ian began his career in financial services in 1982 at a leading UK Building Society, having then trained as a financial adviser and worked for a direct sales force and an IFA, Ian joined the compliance team of a National IFA. 


Following a period working for the Regulator and as Head of Training and Development for an employee benefits consultancy, Ian set up his own risk and compliance consultancy, Compliance Matters UK Limited, in January 2004. Since then, Ian has worked with a number of national and multinational asset managers as well as some regional and local advisory businesses helping them through the regulatory hurdles of the Insurance Distribution Directive, GDPR, MiFID II and pension freedoms. 


Away from financial services, Ian pursues his love of many different genres of music, watches football and being born in Islington is a fan of Arsenal FC. Ian lives in West Sussex with his partner and has an adult daughter and two adult step-sons.

Bobby Riddaway,

Senior Investment Consultant,



Bobby is a Senior Investment Consultant who has over twenty years of experience in advising both the Trustees and Employers of Occupational Defined Benefit and Defined Contribution Schemes.


He joined Capita in 2013 and led the growth of the Investment Consulting Team until moving back to a full time client facing role in 2018. Bobby is a qualified Actuary and is a past Chair of the Association of Consulting Actuaries Investment Sub-Committee and has also served on the Finance and Investment Board of the Institute of Actuaries.


Bobby is a past winner of the Mallowstreet Most Influential Investment Advisor award and has also twice won the industry battle of the bands, as a Bass player. He is also a regular speaker on Investment issues at various conferences and has participated as a judge for a number of industry awards.


Outside of work, Bobby is a County Pool Player and keen runner and also managed the Bedfordshire Youth Pool team to a record 5 consecutive region victories.

Press Release - Bobby Riddaway appointed as Ambassador of the TTF
Bobby Riddaway appointed Ambassador of t[...]
Adobe Acrobat document [101.4 KB]

Adrian Tupper,


Money Questioner


Adrian graduated in electronic engineering in 1984 but soon moved to work for James Capel & Co in the City in its IT function. In 1987 Adrian joined James Capel's (later HSBC's) Quantitative Techniques business in Edinburgh, specialising in index fund advisory services, indices and market data.


During the 1990s, Adrian was responsible for creating and maintaining index investments worth over £10bn, including some major pension fund clients and collective funds such as those administered by HSBC Asset Management.


Adrian also developed indices for smaller companies and in what became the smart beta sector, such as fundamentally weighted indices and low volatility indices. When the business transferred to Euromoney Institutional Investor plc in 2013, Adrian led the R&D function and promoted the Indices business at conferences and meetings globally. 


After Euromoney pulled out of the Indices business in 2018, Adrian, already a qualified counsellor, has been spending time in private practice. He also chairs the investment function at the Scottish Episcopal Church and takes a special interest in responsible investing, and where he is working on a consultancy proposition.


Adrian runs the blog.

Sue Flood,

Leader of the Ark Pension Scam Group, A leader of the Transparency Task Force's Anti-Scams Special Interest Group, Director of Reborn Recycling


Sue Flood has worked in the Television Industry since 2001, starting out at Television Centre and progressing through a successful TV programme-making career that included various roles such as Researcher for Top of the Pops, Celebrity Guest Liaison, Location Sourcing, Production Budget, Sales and Promotions (including through BBC Worldwide with responsibility for selling all BBC Programmes to all 130 Global TV Stations Worldwide).


Her roles at the BBC meant she worked with a wide range of household name VIP celebrities including Muhammed Ali, Robert Redford, Mel Gibson, Richard Gere, Terry Wogan, Chevy Chase, Joan Collins, David Bowie, Cher, Bob Monkhouse, Madonna, Kylie Minogue, Tom Jones, Debbie Harry, Donna Summer, Linda Ronstadt, Stevie Nicks, Van Morrison, Seal, Bryan Adams, Bette Midler, Lenny Kravitz, Mariah Carey, Cliff Richard, Paul Weller, Bruce Springsteen, Jamiroquai, Robbie Williams, The Spice Girls, Rowan Atkinson, Kate Bush, Joanna Lumley, Queen, Elton John, UB40, The Who, Rod Stewart, various Presidents of the United States of America and many, many more.


Sue has also had senior roles at BUT Music Group, and her volunteer roles have included raising awareness for disabled models for inclusion in the Fashion, Industry and raising awareness for retired Polo Ponies with CEO Sarah Coleman.


More recently, Sue flood has become a key figure in helping to prevent people falling victim to pension fraudsters, having become a victim herself. Sue lost here entire pension fund; along with over 500 other victims of the Ark Pension Scandal. Her response was to set up a campaign group which she has tirelessly supported ever since. She is now also involved in supporting numerous other pension scam victims and pension scam support groups.


She has unique insight and experience in the pensions scam prevention and support space and her relentless campaigning has led to interaction with the House of Commons, the House of Lords and the Financial Conduct Authority – watch this space.

Brandon Horwitz,

Principal Consultant, NomBon Consulting


Remembering that customers are trusting us to invest their money is core to Brandon’s values. These values guide Brandon daily in his career across retail and institutional investments and pensions.


He currently runs NomBon Consulting, a boutique management consultancy advising firms on investment and pension proposition design, delivery, governance and distribution.


Brandon’s previous roles include leading the launch of the Vitality Invest proposition, an exciting new entrant to the UK market combining managing wealth and health.


Prior to this Brandon was Head of Financial Planning at HSBC UK Retail Banking and Wealth Management, with responsibility for design and management of retail investment/retirement planning products and advice propositions. Other roles include: asset management Technical Specialist at the FSA (now the FCA), Relationship Manager and investment Portfolio Manager at Morgan Stanley and Morgan Stanley Investment Management as well as investment consulting Analyst at Watson Wyatt (now Willis Towers Watson).


Brandon is a qualified actuary and holds a M.Sc. in Finance and Economics from the London School of Economics as well as a B.Sc. (Honours) in Actuarial Science/Maths of Finance from WITS university.


Brandon is also a Non-Executive Director of a charity which specialises in helping unemployed people build confidence and skills to find work. 

Julie Lord,

Chief Executive,

Magenta Financial Planning


Julie Lord is a Chartered and Certified Financial Planner at Magenta - a specialist Financial Planning company that helps its clients pursue their passions and build plans for future security and happiness.


She was an Institute of Financial Planning Board member for 15 years and is a former President.  She has been a member of the FSA Training Advisory Panel; Chairman of the IFP Education Committee and member of the ISO working party and is keen to ensure that all professional advisers are well qualified to deliver the best possible advice to the public. She is currently a member of the PFS Planning Practioner Panel.


As well as being a Chartered Fellow of the Chartered Institute of Securities and Investments, and a Fellow of the Personal Finance Society, Julie has won numerous Financial Planning awards and is a regular writer and presenter of financial issues in the trade and public press.


She is very passionate about providing the best quality advice to clients and ensuring that Financial Planning businesses are embracing the best possible practices in order to deliver this effectively and profitably.

Brandon Davies,

Non-executive Director,

Lintel Financial Services & Obillex Limited


Brandon is a Trustee of the Responsible Finance Institute Foundation a Non-executive director of Lintel Financial Services Limited and of Obillex Limited and an advisor to Rosette Limited a Shariah merchant bank.


Brandon is an advisory council member of the Institute of International Monetary Research and is a member of the Financial Markets Group at the London School of Economics.


He currently lectures at Buckingham University on their Masters in Money, Banking and Central Banking degree course.


Brandon retired from Barclays Bank  in 2004 where he was Treasurer of retail and corporate banking and a member of the banks Executive Committee. Prior to this appointment he was Head of Structured Products at Barclays Capital

Ged O'Neil

CEO & Co-Founder,



Ged has more than 25 years of diverse business experience with one common denominator: the intersection of finance, technology and law. This is the driving force behind Auden’s business model.


He has held senior positions in consumer finance, a tech-VC, private equity and the legal profession.

Bella Caridade-Ferreira




Bella has 20 years’ experience in the research and analysis of the UK, European and Asian fund management industries. In 2010, she established Fundscape, a research house specialising in the end-to-end analysis of the UK fund industry. Fundscape is the publisher of the Platform Report, widely regarded as the platform industry’s official data source. 


Bella is keen to promote transparency and information for all stakeholders, but especially end-consumers. She is the architect of the Gatekeepers database which assesses the quality of professional fund selection in the UK and also launched to help consumers find the right investment platform for their needs.


Prior to setting up Fundscape in 2010, she worked for Lipper as Global Head of Research and Publications and was the author of numerous publications and reports including the popular European and Asian Data Digests, the Fund Market Profile report series and the UK Platform guide. Early in her career Bella worked in investment banking and then a London-based consulting firm where she specialised in market entry strategies for retail and institutional asset managers.


Bella has a master’s degree in International Business and is fluent in four languages. She is married with two grown-up children, fussy about grammar and punctuation, loves literature, the theatre, disco dancing and pub quizzes.   

James Pitcher


Z/Yen Group


A senior securities operations manager, consultant and advisor, with over 35 years of investment banking experience. In the last 13 years specifically, James has worked closely with operations management at many top-tier (and other) organisations, helping them review and improve operating procedures and client management processes. These detailed insights have given him a unique perspective and overview of operational best practice with a keen focus on costs, operating models, location strategy, operational risk and efficiency.

James was an Associate Partner at McLagan until March 2017, in the Performance & Infrastructure team, having previously lead the Z/Yen team. McLagan acquired Z/Yen in 2007 and is a leading provider of market intelligence to the financial services industry. Client support was based on extensive experience in post-execution trade processing, operational efficiency, costs management, client management, client on-boarding and performance.


James joined Z/Yen in March 2003, within the financial services practice. His background prior to this was 20 years in Investment Banking, notably at Morgan Stanley, where he was an Executive Director. James served much of his tenure at Morgan Stanley as Head of EMEA Network Management, establishing and maintaining relationships with the Firm's Agent Bank Network for Europe, Africa, the Middle East and India.


James had worked within Operations at Morgan Stanley's Investment Banking (and earlier Global Custody) businesses, with particular focus on Equities and Fixed Income products and played a key role in working with Morgan Stanley's Agent banks to ensure a successful transition through conversion to the Euro and Y2K.


Prior to Morgan Stanley, James had worked in Operations at James Capel and W. Greenwell stockbrokers (now both part of the HSBC world) and Nikko Securities — where he played a role in developing the back office following their 'Big-Bang' membership of the UK Stock Exchange.

Greg Davies PhD

Head of Behavioural Science,

Oxford Risk



Greg is a specialist in applied behavioural finance, decision science, social impact investing, and financial wellbeing.


He started the banking world’s first behavioural finance team at Barclays in 2006, which he led for a decade.


In 2017 he joined Oxford Risk to lead the development of behavioural decision support software to help people make the best possible financial decisions.


Greg holds a PhD in Behavioural Decision Theory from Cambridge; has held academic affiliations at UCL, Imperial College, and Oxford; and is author of Behavioral Investment Management.


Greg is Chair of Sound and Music, the UK’s national charity for new music, and the creator of Open Outcry, a ‘reality opera’ premiered in London in 2012, creating live performance from a functioning trading floor.


Piotr Konwicki

Senior Lecturer,

University of Hertfordshire


Piotr has a combination of academic and business experience.  He specializes in corporate finance, valuation and alternative investments – having taught and worked in England, USA, Scandinavia and Poland. He is passionate about economics and finance, has a Ph. D. in Financial Economics and an MBA from London Business School.


His research interests include alternative investments, corporate finance, mergers & acquisitions, game theory, behavioral & Islamic finance and social media (value drivers and valuation approaches). Piotr is a stakeholder of All-Party-Parliamentary-Group on Islamic Finance.


Piotr is a Senior Lecturer at Hertfordshire Business School. He worked in senior roles in several international firms: Lazard Freres, Deutsche Bank, Intercontinental Hotels and Metsa Tissue Oyj. 


Adrian Jones

Independent Non-Executive Director & Consultant, 




Adrian is a highly respected professional in the investment industry with nearly 30 years experience.  He is a Non-Executive Director (NED) to a number of investment funds in different jurisdictions following diverse investment strategies and also runs his own consultancy business, Athena Consulting Ltd,  advising firms on various operational aspects of establishing and running an investment business. Adrian was previously the COO of Charlemagne Capital, a boutique investment manager where he oversaw the operations across multiple offices.


Adrian has lengthy experience of sitting on the board of a UK listed company. In addition he has acted as chairman of investment funds as well as sitting on audit, and risk and governance committees. 


He is a vocal advocate for improving corporate governance standards and diversity within the asset management industry. In particular. He believes that the transparency surrounding disclosure of directors background, conflict of interests and their true independence in Offering Memorandums is an area which needs to be addressed urgently. Adrian firmly believes that investors deserve to have all the relevant information and the tone is set from the board down.


Stephen Millar

Managing Director, Client Relations, UK and Europe,

EPOCH Investment Partners


Stephen is responsible for leading Epoch's business development and consultant relations in the U.K. and Europe.


Prior to joining Epoch in 2015, Stephen spent five years at the Norwegian global equity manager SKAGEN Funds, where he oversaw their U.K. business. Before SKAGEN, Stephen spent five years at T. Rowe Price where he was responsible for their U.K. and Irish businesses as well as EMEA consultant relations. Previously, Stephen was a director in the institutional business development group at Insight Investment, a U.K. asset manager.


Stephen began his career in the industry at Schroder Investment Management. Stephen holds a BA (Honors) in Economics and an MSc in Finance from the University of Strathclyde in Glasgow, U.K. 


The Great Divide

You can read the speech by  Andrew G. Haldane, FAcSS (the Bank of England's Chief Economist and Executive Director of Monetary Analysis and Statistics) that he gave on 18th May 2016 at the New City Agenda Annual dinner.


The speech is entitled The Great Divide and it is a first class explanation of why the trust deficit really matters and why it makes sense to try to do something about it.


Please click on the green button to access it; if you're not convinced of its relevance to our initiative, here's part of it:


..."The most important and compelling message the Bank received at the Open Forum came in the first session. The Bank had conducted some polling of perceptions of the financial sector – for example, by asking people what one word best described the future of financial markets. Among the Bank’s usual contacts, including those in the financial sector, the most used word was “regulated”. Many of us will have heard that message from financial insiders concerned about the perils of over-zealous regulators.


For me, the more revealing responses came from the general public, from the customers, rather than the producers, of financial services. The word most used by them when describing financial markets was a rather different one: it was “corrupt”. Not far behind were words like “manipulated”, “self-serving”, “destructive” and “greedy”. I am sure many of you have heard those messages too. They are certainly ones I have encountered frequently on my visits around the country."...


Please click the green button  below to access the full speech. If you need to read another piece first, here it is:


..."At least until recently many economists like me, when faced with this evidence, might have shrugged our shoulders. Social capital had no real role in our models of economic growth, unlike physical capital and human capital. Trust did not butter our parsnips and nor did it enter our production functions.


Recently, however, that orthodoxy has changed and the importance of trust has become clearer.


Evidence has emerged, both micro and macro, to suggest trust may play a crucial role in value creation. At the micro level, there is now ample evidence the degree of trust or social capital within a company contributes positively to its value creation capacity. 


At the macro level, there is now a strong body of evidence, looking across a large range of countries and over long periods of time, that high levels of trust and co-operation are associated with higher economic growth.


Put differently, a lack of trust jeopardises one of finance’s key societal functions – higher growth.


Those social capital effects appear to be particularly potent when it comes to financial decisions. Evidence suggests that a lack of trust leads people to retreat from the stock market and banks and to move towards cash holdings and informal sources of credit, such as payday lenders and loan sharks. That jeopardises the second key benefit of finance to society – improved risk-sharing by households and companies.


So a lack of trust in finance potentially hobbles both economic growth and financial stability.


That lack of trust is the mirror-image of the perception gap between the financial sector and wider society, the Great Divide.


The Great Divide matters because it signals a pronounced and protracted erosion of social capital. It puts finance on notice for losing its social licence. And, unaddressed, that jeopardises future wealth and well-being."...


Please click on the green button to access the full speech. If you're not yet convinced you should, here's a final snippet:


..." As a survey in 2013 of financial professionals found, rather remarkably, that over half believed their competitors engaged in illegal or unethical behaviour.  A smaller, but still high, fraction of 24% believed their own company engaged in such practices. Similar percentages believed their industry did not fulfil its fiduciary function of putting clients’ interests first.

The significance of these findings is not the precise percentages, as striking as these are.


More fundamentally, it is because of what they reveal about finance’s perception of itself, the mirror it holds to the social identity of finance."...


Click onto the button below to access the full speech; you'll be glad you did, it's profoundly thought-provoking for anybody interested in the future of the financial services industry:

If you are not already on the right page and want to read about our major international project to help rebuild trustworthiness and confidence in financial services, click on the orange button below:

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