CML Council of Mortgage Lenders - Annual Conf Programme book

ANNUAL CONFERENCE

TODAY’S STRATEGIES FOR TOMORROW’S MARKET

5 NOV 2014

ROYAL COLLEGE OF SURGEONS

LONDON

EXHIBITORS INCLUDE

SPONSORED BY

DELIGHTED TO BE HEADLINE SPONSORING THE CML ANNUAL CONFERENCE

Experts in delivering tailored loan servicing and innovative lending software

EXPERTISE

AGILITY

MULTI-PRODUCT CAPABILITY

IMPROVED EFFICIENCY

RISK MITIGATION

Over 50 major financial institutions rely on us to manage their lending and investment portfolios

www.targetgroup.com

ANNUAL CONFERENCE

TODAY’S STRATEGIES FOR TOMORROW’S MARKET he CML Annual Conference 2014 comes at one of the most interesting times in recent memory for our industry after twelve months of change, transition and growth. This year has seen lenders and intermediaries put under increased spotlight from regulatory, political and media spheres and one in which the industry has risen to meet the challenges it has faced.

5 NOV 2014 ROYAL COLLEGE OF SURGEONS

LONDON

SPONSORED BY

We now turn our focus from the ghosts of Christmas past to the present and our future. The theme of our conference is ‘Today’s Strategies for Tomorrow’s Market’ and we have invited the biggest influencers and commentators in the regulatory, lending and political landscapes to address our current status and where we go from here.

New this year, the CML has been on an x-factor-style search over the past few months asking people from inside and outside of the industry to answer one question, “If I could change the UK mortgage industry, I would…” All four finalists will present their best and most innovative ideas at the conference and a panel of judges and the audience will choose the winner.

As more than 200 attendees come to the conference, there will undoubtedly be chatter around the exhibition hall about the effect the Mortgage Market Review has had on the UK market. But the tone is unlikely to be that of post-MMR blues and more of relief as, at least so far, the effect has been subtle rather than dramatic. The FCA’s Linda Woodall will give a unique regulator’s perspective on how lenders have coped and how the regulatory regime will evolve going forward.

This will be complimented by speeches from our CML chairman Stephen Noakes and Sunday Times editor David Smith putting into context the economics of mortgages and our industry’s effect on the wider economy. Legal & General’s Nigel Wilson will be exploring the growing issue of age in the mortgage market, from handling lending into retirement to getting young people on the ladder.

Other highlights will include what looks to be a spirited debate regarding housing tenure. Owner-occupation has declined from its peak of 71% in 2007 to the current 65% of UK tenure. We have two battle-hardened debaters - Leeds Building Society’s Peter Hill and RBS’s Moray McDonald - arguing the pro and con sides of whether this decline is beneficial.

In addition, we will be exploring the wide ranging effect of the digital age on the UK consumer, which has provided new freedom and choice to people, but also created new challenges surrounding privacy and security. Barclays’ Karen Prodger and Coreco’s Andrew Montlake will each be giving their perspective on how lenders and intermediaries can meet these new consumer expectations and how the industry can utilise the growth of digital devices and social media.

There is much more to see and do this year and we hope you get value out of the excellent speeches on offer and take the opportunity to speak to the wide range of exhibitors on show. Enjoy the conference.

Paul Smee, Director General, Council of Mortgage Lenders

ANNUAL CONFERENCE

3

PROGRAMME 09:00 – 09:30 Registration & refreshments 09:30 – 09:45 Chair’s welcome & introduction Iain Anderson, director & chief corporate counsel, Cicero

09:45 – 10:15

Post MMR follow-up

(14:35 – 14:50) The intermediary perspective Andrew Montlake, director, Coreco How do intermediaries cope with increasing demands for technological compliance?

How do alternative technologies, digital devices, social media and other technological advances affect consumer buying patterns?

14:50 – 15:20 15:20 – 15:40

Dan Rudd, senior vice president, client services, Quantitative Risk Management Mortgage lending - a worldwide phenomenon, with local idiosyncrasies Similarities with other mortgage markets Recognition of worldwide trends and “best practices” from other markets

Linda Woodall, director of mortgages & consumer lending, Financial Conduct Authority

10:15 – 10:45

MMR and Brand loyalty – what are your customers thinking?

David Tweedy, market relations director, Target Group

10:45 – 11:15 11:15 – 11:45

Refreshments & exhibition viewing UK mortgages in a wider context Stephen Noakes, home & lifestyle director & CML chair, Lloyds Banking Group

11:45 – 12:15

12:15 – 13:00

15:40 – 16:20

‘Rising stars’: If I could change the UK mortgage industry, I would…

R I S I N G

A fast-paced interactive session exploring the changes industry insiders would make to the UK mortgage industry in an ‘ideal world’.

Neil Hoare, head of commercial relationships, Personal Touch Lynn Jones, complaints manager, Kensington Benjamin Morgan, senior product manager, Royal Bank of Scotland Michael Rhodes, service desk manager, Leeds Building Society

16:20 – 16:50

‘If I could change the UK mortgage industry’ panel session

Mortgages & age Nigel Wilson, group chief executive, Legal & General What are the challenges and opportunities for younger and older borrowers?

What should the industry be doing in order to ensure sufficient housing for all age groups?

What is the future for borrowers at either end of the age spectrum?

“This House believes Britain would be better off were owner occupation to become a minority tenure”*

Join our panel of industry experts as they discuss the new ideas put forward by the ‘Rising stars’ and help choose a winner.

Stephen Noakes, home & lifestyle director & CML chair, Lloyds Banking Group Mark Robinson, chief executive, Market Harborough Building Society Paul Smee, director general, Council of Mortgage Lenders

The CML annual conference debate PRO: Peter Hill, chief executive, Leeds Building Society CON: Moray McDonald, managing director, products, personal & business banking, Royal Bank of Scotland *Please note that this statement, or its opposite, does not necessarily reflect the views of the CML or either debate participant.

13:00 – 13:55 13:55 – 14:20

Lunch & exhibition viewing The economics of mortgages David Smith, economics editor, The Sunday Times

14:20 – 14:50

The role of digital in a demand-led world (14:20 – 14:35) The lender perspective Karen Prodger, business development director, Barclays What do today’s ‘digitally native’ consumers expect from lenders?

How do mortgages fit with customer expectations and wider market capabilities?

4

ANNUAL CONFERENCE

Refreshments & exhibition viewing Mortgages – the world view

16:50 – 17:00

Conference summary Paul Smee, director general, Council of Mortgage Lenders

17:00 – 18:00

Drinks reception & conference close Join the CML for networking drinks Sponsored by

SPEAKER DETAILS

Conference chair Iain Anderson is an expert in global public policy issues affecting financial services. He has over 20 years’ experience in communications, initially as a business journalist and then as a founding shareholder at Incisive Media. He has worked for a range of UK politicians, including Rt Hon Kenneth Clarke MP on his leadership bids.

Iain Anderson director & chief corporate counsel, Cicero

Iain regularly contributes to national and international print and broadcast media including Sky News and BBC. He is Vice Chairman of the Association of Professional Political Consultants and past Chairman of CIPR Public Affairs. He was ranked in the Total Politics Top 100 Lobbyists and appears in the PR Week Power Book.

CityAM also includes Iain in the list of “The City’s most influential financial PRs” voted by broadcast and national business editors and he serves on the Advisory Board of the Queen Elizabeth II Garden in New York.

09:45 – 10:15 Post MMR follow-up Linda Woodall joined the Financial Services Authority (FSA) in 2001, following completion of an MBA. Her career up to that date had comprised leadership and management roles within a variety of sectors, including manufacture, logistics, healthcare and accountancy.

At the FSA she performed a variety of operational roles, ultimately moving to acting Director of Smaller Firms & Contact Division in 2010 and then headed up supervision of investment intermediaries and wealth management.

Linda Woodall director of mortgages & consumer lending, Financial Conduct Authority

Since the establishment of the Financial Conduct Authority, as a replacement to the FSA in April 2013, Linda has acted as Director supervising the mortgages & consumer lending sector within Supervision Division. This area is responsible for the day-to-day supervision of consumer credit firms.

10:15 – 10:45 MMR and Brand loyalty – what are your customers thinking?

David Tweedy is responsible for shaping Target’s strategy and plans as the financial services market evolves. He works closely with the sales and marketing team to monitor key markets and work with customers to understand trends and identify new opportunities.

David is an industry expert with 25 years’ experience and a strong track record in mortgage funding, originations, servicing and leading change.

David Tweedy market relations director, Target Group

ANNUAL CONFERENCE

5

11:15 – 11:45 UK mortgages in a wider context Stephen Noakes is currently Home & Lifestyle Director for Lloyds Banking Group with responsibility for mortgage, home insurance and protection activity as well as the group’s customer insight function.

Stephen Noakes home & lifestyle director & CML chair, Lloyds Banking Group

Stephen joined the Group in December 2007 as Marketing Director for Cheltenham & Gloucester. He has driven focus on the customer, launching new propositions such as Lend a Hand and the Halifax Home Finder application as well as increasing focus on customer experience driving improvements in advocacy. He has also led industry engagement in key housing and mortgage policy activity with highlights being the development of Help to Buy with HMT and Interest Only with FCA, where on the latter the Group’s policy was used to shape the approach for Mortgage Market Review.

Stephen is currently Chairman of The Council of Mortgage Lenders which is the trade association for the mortgage lending industry where its aim is to help foster a favourable operating environment in the UK housing and mortgage market.

Stephen’s career prior to joining spans commercial roles across a range of industries. Prior to LBG he worked for Vodafone for a seven year period. This included work in the global marketing organisation where he developed and then helped execute the strategy for the business to business sector, representing 40% of group revenue. His final year was spent in the UK operating company in the capacity of Chief Marketing Officer where he launched the new mobile internet proposition.

Prior to Vodafone, he worked for Walkers (PepsiCo) in a series of Sales Director positions, holding primacy for account relationships such as Tesco and Sainsbury, developing and implementing new channel strategies and gaining experience in leading and building large sales teams. He joined PepsiCo from a smaller food company, Gerber Foods, where he had P&L responsibility for joint ventures in Greece and Turkey. This was preceded by five years in consultancy with the marketing practice of Coopers Deloitte where he worked on a range of assignments including a distribution strategy for Abbey National as they moved from building society to bank. His career started with Unilever on the graduate marketing programme.

11:45 – 12:15 Mortgages & age Nigel Wilson was appointed Group Chief Executive of Legal & General in 2012, having joined as Group Chief Financial Officer in 2009. Until 2012 he was a Senior Independent Director (SID) of The Capita Group plc and was SID/Chairman of Halfords Group Plc until 2011.

Nigel Wilson group chief executive, Legal & General

Prior to joining Legal & General, Nigel was Deputy Chief Executive and Chief Financial Officer of United Business Media plc. Other previous appointments include McKinsey & Co, (where clients included BP, Citibank, Cadbury’s, Santander, Kingfisher, Courtaulds, Whitbread and Globe Investment Trust), Group Commercial Director of Dixons Group Plc, Managing Director of Stanhope Properties Plc, Chief Executive, Corporate, Guinness Peat Aviation (G.P.A.) and Managing Director, Viridian Capital.

Qualifications include a PhD from the Massachusetts Institute of Technology where he was a Kennedy Scholar, and a recipient of the Alfred P Sloan research scholarship. He also worked at the National Bureau of Economic Research (NBER).

6

ANNUAL CONFERENCE

SPEAKER DETAILS CONTINUED...

12:15 – 13:00 “This House believes Britain would be better off were owner occupation to become a minority tenure”* The CML annual conference debate.

PRO: PRO: Peter Hill chief executive, Leeds Building Society

Peter Hill started his career in banking with one of the high street banks, NatWest, in 1979. Initially working in branches, his career progressed through area and regional offices and covered a wide range of disciplines. After a spell working in the City, he returned to branch banking and, prior to joining Leeds Building Society in 2001, he had responsibility for the NatWest branch network in Yorkshire, the North East and Scotland.

Initially appointed as General Manager, Sales at Leeds Building Society, in 2004 Peter became Director of Operations and joined the Board as Operations Director in 2006. For 7 years, he had responsibility for the smooth running of the Society’s operations areas which include Customer Services, Mortgage Lending and Technology.

Peter formally took over as Chief Executive of Leeds Building Society on 10th August 2011, and is only the 7th Chief Executive in the Society’s 136 year history. He is a member of the Council of Mortgage Lenders Executive and Chairman’s Committees, Chairman of the Northern Association of Building Societies and a Fellow of the Royal Society of Arts.

CON:

Moray McDonald has worked in financial services for 26 years in Europe and Australia. During that time he has worked in a range of positions as Marketing Manager for GE Capital Motor Finance in Edinburgh, Deputy Managing Director for Finanzia Banco de Credito and President of AVIS Fleet Services Iberia, both in Madrid.

In Australia Moray was Secured Lending Director for Citibank (1998 - 2003), Managing Director for Diners Club (2003 - 2008), then Managing Director of Esanda, Australia’s largest Finance Company. He joined RBS in September 2010 as Category Director for Home Lending and is currently interim Managing Director for Products & Marketing.

CON: Moray McDonald managing director, products, personal & business banking, Royal Bank of Scotland

*Please note that this statement, or its opposite, does not necessarily reflect the views of the CML or either debate participant.

14:00 – 14:20 The economics of mortgages David Smith is Economics Editor of The Sunday Times, as well as the paper’s Assistant Editor and Policy Advisor, and a regular contributor to CBI’s Business Voice. Amongst the first to predict a V-shaped recovery, he was careful to say that it would take time to become discernible.

David Smith economics editor, The Sunday Times

A widely respected economics commentator, David is the author of several books, including From Boom to Bust, Will Europe Work?, The Age of Instability, and The Dragon and the Elephant: China, India and the New World Order. His most recent work, Free Lunch, is a guide to economics for the lay-person now that it seems essential we all understand the subject.

Before moving to the nation’s most widely read Sunday broadsheet, David worked for The Times and Financial Weekly - as well as the Henley Centre for Forecasting and Lloyds Bank. He has won a number of prizes, including the Harold Wincott Award for Financial Journalist of the Year.

ANNUAL CONFERENCE

7

14:20 – 14:50 The role of digital in a demand-led world (14:20 – 14:35) The lender perspective

Karen Prodger business development director, Barclays

Karen Prodger is the Director for Strategic Business Development for Barclays Mortgages. She leads on digital and propositional development for Barclays and her career in the retail lending and small business lending industry spans 5 years. It’s an industry she is passionate about, which in her words, ‘supports and services customers at key life moments, of buying their home or setting up a business’.

Prior to Barclays, Karen was a senior practice consultant for Booz & Co where she worked globally for 5 years across major Financial Services and Retailers, bringing together best practice implementation in customer proposition, process and technology.

Her previous career, spans marketing, commercial and innovation leadership roles at Dyson Ltd, PepsiCo and British Airways.

(14:35 – 14:50) The intermediary perspective Andrew Montlake started in the mortgage industry in 1994 at John Charcol before joining Cobalt Capital in 2001. There he was responsible for successfully growing the Cobalt brand as Head of PR and Marketing.

In 2009 Andrew was a joint founder of The Coreco Group where he is the Director responsible for Brand, Marketing and Communications as well as continuing to advise clients. As Coreco’s Media Spokesperson he can often be seen or heard on BBC TV & Radio or Sky News as well as regularly commenting in the national, local and trade press.

Andrew Montlake director, Coreco

More commonly known as “Monty” Andrew is the author of a highly acclaimed mortgage blog, writes the Market Watch column in Mortgage Strategy, was voted “Mortgage Personality of the Year” in 2008 and won the award for “Best Press Spokesperson” 2011 at The British Mortgage Awards, showing that Coreco is a respected voice in the industry and beyond. He also won the “Best Marketeer” gong at the 2014 British Mortgage Awards.

Andrew continues to work at the coal face, writing mortgage business, looking after clients and is also responsible for all lender liaison.

15:20 – 15:40 Mortgages – the world view Daniel Rudd is the Senior Vice President in charge of Mortgage Banking Client Services at Quantitative Risk Management, Inc. (QRM) – a Chicagobased consulting firm specializing in Risk Management consulting for financial institutions worldwide. He has directed the client consulting activities for QRMs Mortgage Banking clients since 1994.

Dan Rudd senior vice president, client services, Quantitative Risk Management

Prior to joining QRM, Daniel spent 10 years in various positions working for the Chicago Board of Trade, most recently as Senior Manager, Market and Product Development. His work included the development of numerous interest rate risk management products, including futures and options on five-year Treasury securities. He was responsible for institutional business development worldwide and was in charge of the Exchange’s London and Tokyo offices. He served his initial three years there in the Exchange’s Office of Investigations and Audits.

Daniel is a frequent speaker on the topic of interest rate risk management, including presentations to the Mortgage Bankers Association, the MBA School of Mortgage Banking, the Savings and Community Bankers Association, and the Illinois Mortgage Bankers Association. He has been designated a Member of the Master Faculty by the Mortgage Bankers Association of America for his work with the MBA School of Mortgage Banking.

Daniel holds a MBA degree in Finance and Marketing from the Kellogg School of Management at Northwestern University, and a Bachelors of Science degree in Finance from the University of Illinois.

8

ANNUAL CONFERENCE

SPEAKER DETAILS CONTINUED...

15:40 – 16:20 ‘Rising stars’: If I could change the UK mortgage industry, I would…

Neil Hoare head of commercial relationships, Personal Touch

Neil Hoare has worked in Financial Services since 1985 and has enjoyed roles in Insurance, Investments & Pensions and Mortgages. His career extends across manufacture and distribution, mutual and plc, and retail and intermediary advice channels. His roles at NFU Mutual, Santander, Pink Home Loans, Select & Protect and currently Personal Touch Financial Services have given him a wide knowledge of the consumer’s attitude to financial services. This has subsequently enabled Neil to develop product and service propositions that deliver good consumer outcomes both in terms of their understanding and performance.

Neil’s current role at Personal Touch, one of the UK’s major mortgage & protection distribution networks, sees him work closely with over two hundred business partners across the mortgage, protection, general insurance and wealth markets, delivering products and advice through a network of almost six hundred advisers.

Lynn Jones runs the service quality team at Kensington and has worked for the lender since April 2006. Prior to this, she has had a long career in financial services, working for wealth management IFAs Towry Law and Wentworth Rose, as well as Prudential.

Lynn Jones service quality manager, Kensington

R I S I N G

Ben began his career as a finance graduate in Australia at the Commonwealth Bank of Australia before moving to the UK to complete his Masters at the London School of Economics. Ben joined Royal Bank of Scotland in 2011 working directly for the CRO, before moving into the Mortgage team in April 2013.

Benjamin Morgan senior product manager, Royal Bank of Scotland Michael Rhodes started life with the Leeds Building Society straight from school in 2005. During his 9 years’ experience, he has worked within administration, telephone and support functions accumulating a great deal of savings, lending, post completed mortgage and arrears knowledge in the process.

Michael Rhodes service desk manager, Leeds Building Society

During this time Michael has been a key player within system enhancements, process reviews and Society-based projects, for which he has received high praise, including winning the Rising Star award at the Society’s Annual Excellence in Action Award Ceremony in 2011.

In recent years, he has worked as a team leader within the Mortgage Lending function, receiving the Great Team Work Award in 2014.

In September 2014, Michael was promoted to Service Desk Manager with the view of implementing a process of change into the Leeds Building Society’s Contact Centre that will enable the Society to continue to provide the high level of service to its customers through future challenging times.

ANNUAL CONFERENCE

9

16:20 – 16:50 ‘If I could change the UK mortgage industry’ panel session Stephen Noakes home & lifestyle director & CML chair, Lloyds Banking Group (see page 4 for bio)

Mark Robinson has been the Chief Executive of Market Harborough Building Society since 2007 (joining on the day the Northern Rock crisis broke). He is a chartered surveyor and holds an MBA from Warwick Business School. Mark has many years’ experience in financial services and has held senior roles in building societies including Birmingham Midshires and Cumberland.

Mark is also a board member at Acclaim Housing Group and an Executive Committee member of the CML.

Mark Robinson chief executive, Market Harborough Building Society

Paul Smee became Director General of the Council of Mortgage Lenders on 1 August 2011. Previously, he was Chief Executive of UK Payments, a post which he held for six years.

Paul set up, and was the first Chief Executive of the UK Payments Council, which sets strategy for collaborative payments in the UK. He was very involved with the introduction of the Faster Payments Service in 2008, the first new payment system in the UK for 25 years; and in the production of the UK’s National Payments Plan.

Paul Smee director general, Council of Mortgage Lenders

Before payments, Paul was the first Director General of the Association of IFAs, the representative body for the community of independent advisors which was formed in 1999. He also was instrumental in the formation of the Association of Mortgage Intermediaries.

During his earlier career, Paul worked for the London Stock Exchange, the Association of British insurers and the Independent Television Commission. He started his working life at the Department of Trade and Industry.

16:50 – 17:00 Conference summary Paul Smee director general, Council of Mortgage Lenders (see above for bio)

10

ANNUAL CONFERENCE

SPEAKER DETAILS CONTINUED...

FLOORPLAN

EXHIBITORS Council of Mortgage Lenders - stand 11

Veyo/Legal Practice Technologies Quantitative Risk Management

Capita Mortgage Services - stand 10

EDM Group Mortgage Support Services - stand 16

Target Group - stand 1 Tata Consultancy Services - stand 17 Unicorn Training - stand 5 Vertex Financial Services stand 15

Registers of Scotland Genworth Mortgage Insurance

Ordnance Survey

Council of Mortgage Lenders

LMS

Hitec (Laboratories) Ltd

Savills UK Ltd - stand 9

Unicorn Training

Registers of Scotland stand 2

Tata Consultancy Services

Quantitative Risk Management - stand 13

Vertex Financial Services

Ordnance Survey - stand 18

EDM Group Mortgage Support Services

LMS - stand 12

Capita Mortgage Services

Mortgage-Clarity, brought to you by Matrix Sloutions - stand 7

Savills UK Ltd

Huntswood CTC Ltd - stand 8

Huntswood CTC Ltd

HML - stand 6

MortgageClarity, brought to you by Matrix Sloutions

Hitec (Laboratories) Ltd - stand 4

Target Group

Genworth Mortgage Insurance - stand 3

HML

Veyo/Legal Practice Technologies - stand 14

ANNUAL CONFERENCE

11

EXHIBITOR PROFILES Capita – Stand 10 We are part of Capita Asset Services, Europe’s largest independent loan servicer, managing a wide range of security and collateralised loans on behalf of lenders and investors. Our dedicated and experienced team has over 40 years’ experience in managing residential mortgages, BTL, lifetime mortgages and small balanced commercial mortgages.

W: www.capitamortgageservices.co.uk E: mark.webster@capitamortgageservices.co.uk

Council of Mortgage Lenders – Stand 5 The aim of the Council of Mortgage Lenders is to help to foster a favourable operating environment in the UK housing and mortgage markets. We are the representative voice for the residential mortgage lending industry, and the central provider of economic, statistical, legal, research and other market information.

W: www.cml.org.uk E: events@cml.org.uk

EDM Group Mortgage Support Services – Stand 16 EDM Group is one of the UK’s leading information management service providers. We work with mortgage lenders developing their information supply chain to deliver effective lending operations and reduce their overall credit risk exposure. We connect the key suppliers including surveyors, solicitors, asset managers and third party data providers to lenders to provide secure, intelligent, automated solutions.

Our experience in providing innovative information management services to clients in the insurance, health and financial services sectors enables us to bring a new set of expertise to support lenders in the property market.

W: http://edmgroup.com/sectors/edm-mortgage-support-services/ E: enquiries@edmgroup.com

Genworth Mortgage Insurance – Stand 3 Genworth offers flexible mortgage insurance solutions to suit different lender requirements, either on a loan-by-loan basis or at a portfolio level. This protection makes high LTV loans available to good quality borrowers. We look to form long-term partnerships, providing competitive premium costs and adding value beyond the insurance cover we offer.

W: www.genworth.co.uk/mortgageinsurance E: patrick.bamford@genworth.com

12

ANNUAL CONFERENCE

Hitec (Laboratories) Ltd – Stand 4 Hitec develops enterprise content management and governance, risk and compliance software solutions. Our solutions enable organisations to reduce costs and improve efficiency, whilst reducing risk and ensuring compliance with regulations. We have been assisting customers address business and operational challenges for over twenty years.

W: www.hiteclabs.com E: marketing@hiteclabs.com

HML – Stand 6 HML is the UK and Ireland’s leading third-party mortgage administration company. It currently has approximately £37 billion of managed assets and 50 major clients. In addition, HML provides ‘standby’ services to a further £60 billion of assets. Main services include tailored customer contact and collections strategies, asset trading and legal title.

W: www.hml.co.uk E: mcinfo@hml.co.uk

Huntswood – Stand 8 Huntswood specialises in regulatory compliance and risk management, helping firms across the UK achieve compliance across the retail conduct risk spectrum. Huntswood’s Advisory Services teams delivers complex consulting services within financial services, working with firms to independently review and advance their progress in compliance with the Financial Conduct Authority’s expectations.

W: www.huntswood.com E: jlaidlaw@huntswood.com

LMS – Stand 12 LMS is the UK’s pre-eminent provider of conveyancing panel management. Established for 25 years we are proud to provide bespoke services to meet the unique needs of each of our clients.

Services range from fees assisted re-mortgage and purchase right through to fully managed legal panels.

W: www.lms.com E: paul.davies@lms.com

Mortgage-Clarity, brought to you by Matrix Solutions – Stand 7 Matrix Solutions has collected aggregated and analysed RMS data for the Council of Mortgage Lenders (CML) since January 2011. Using this data, we’ve developed Mortgage-Clarity - an industry wide PSD (Product Sales Data) Aggregator which allows unparalleled insights into your company’s performance against 95% of the UK Mortgage Market constituted by CML member organisations.

W: www.mortgage-clarity.com E: info@mortgage-clarity.com

ANNUAL CONFERENCE

13

Ordnance Survey – Stand 18 Reduce risk exposure whilst enhancing customer experience using our geographic intelligence, Great Britain’s most accurate property level data. Monitor concentration risk by identifying the number of properties in any given area and improve valuations by taking into account flood and subsidence risk or existing or future infrastructure projects (e.g. HS2).

W: www.ordnancesurvey.co.uk/cml E: greg.davis@ordnancesurvey.co.uk

Quantitative Risk Management – Stand 13 Quantitative Risk Management (QRM) is the world’s premier enterprise risk management consulting firm. QRM develops industry-leading risk management principles, practices, and models, and provides clients with the advice, knowledge, and tools necessary to leverage those innovations into higher risk-adjusted returns. Since 1987, we have partnered with our clients to enhance their ability to measure risk, identify profitable opportunities, and make sound financial decisions.

With offices in Chicago, London, and Singapore, QRM has established over 250 long-term engagements with top financial institutions from the banking, finance, and insurance industries worldwide.

W: www.qrm.com E: Dan.Rudd@qrm.com

Registers of Scotland – Stand 2 Registers of Scotland (RoS) is the organisation responsible for Scotland’s land and property registers. As the definitive source of data for all property transactions in Scotland we provide the most complete residential and commercial activity data in the country. Speak to our Account Managers or visit us at www.ros.gov.uk.

W: www.ros.gov.uk E: gerrard.murray@ros.gov.uk

Savills – Stand 9 Our service is uncompromisingly focused on achieving the best outcome for the customers. We understand the values of Conduct Risk, and TCF and know that being a provider for lenders means we abide by the same principles and ethics as they do. We are completely independent and only use the best suppliers based on their performance.

W:www.savills.co.uk

Target – Stand 1 Target Group is a specialist provider of loan and mortgage servicing and software. We enable our clients to operate more efficiently, deliver an excellent customer experience and mitigate risk. 25% of the top 20 global banks rely on our software and servicing to manage their lending and investment portfolios. With over 35 years’ experience, we are rated as “above average” by Standard and Poor’s. To find out more how we can help you compete in today’s rapidly evolving market, visit our website.

W: www.targetgroup.com

14

ANNUAL CONFERENCE

EXHIBITOR PROFILES CONTINUED...

Unicorn Training – Stand 11 W: www.cml.org.uk/cml/events/training/Elearning

Vertex Financial Services – Stand 15 Vertex provides business process outsourcing and software solutions for a variety of loan providers. We add value to our partnerships by delivering highly efficient, tailored and flexible solutions. Our strength is in delivering an exceptional customer experience, representing clients’ brands and culture and constantly seeking innovative ways to enhance services.

W: www.vertex.co.uk E: goodatwhatwedo@vertex.co.uk

Veyo – Stand 14 Veyo is a comprehensive conveyancing portal, jointly developed between The Law Society and Mastek UK, a global IT solutions specialist, offering an efficient, secure, and smart way to manage property transactions – from client instruction to completion. Now in the final stages of development and testing, it will be launched in Spring 2015 and will revolutionise the market.

W: www.veyo.co.uk E: paul.shipway@veyo.co.uk

ANNUAL CONFERENCE

15

YOUR NOTES

16

ANNUAL CONFERENCE

YOUR NOTES

ANNUAL CONFERENCE

17

FORTHCOMING EVENTS

12/11/14

FRAUD: AWARENESS AND PREVENTION 12 November 2014, London The CML’s mortgage fraud conference will once again bring together key stakeholders to discuss current and future issues in the fight against financial crime. The mortgage market regulations are changing, and the National Crime Agency is the new central government body tasked with tackling economic crime. Against this backdrop, the conference will explore how these and other developments are impacting lenders, and will consider the latest fraud prevention methods.

FRAUD

COMPLAINTS HANDLING: NEW ISSUES AND PRACTICAL SOLUTIONS 18 November 2014, London With the FCA complaints thematic review due shortly and a consultation following in the autumn, there has rarely been a better time for lenders to put the focus back on their complaints handling policies. Join an audience of industry experts for a half-day seminar dedicated to drawing out the key issues for lenders, discussing the proposed future changes to the regulatory structure and the most effective complaints handling methods.

18/11/14

CML ANNUAL DINNER 2014 3 December 2014, Old Billingsgate, London

3/12/14

CML

18

ANNUAL CONFERENCE

The CML annual dinner is a must attend event in the mortgage industry’s calendar, providing the perfect opportunity to network with over 1000 industry peers and entertain guests. The drinks reception is sponsored by Banctec and the dinner is sponsored by Vertex.

4/3/15 INTELLIGENT MORTGAGE SALES: MAKING TECHNOLOGY WORK FOR YOU 4 March 2015, London This brand new event from the CML centres around improving the efficiency of your business and will explore the key issues surrounding technology in the mortgage sales and distribution landscape.

CML SCOTLAND ANNUAL LUNCH 2015 6 March 2015, The Balmoral Hotel, Edinburgh

S COTL A ND 6/3/15 ANNUAL LUNCH 2015

The CML Scotland annual lunch is repeatedly attended by the most notable organisations in the Scottish mortgage world, incorporating the perfect blend of high level networking and entertainment.

CML ANNUAL LUNCH 2015

17/4/15

17 April 2015, The Lancaster London The CML annual lunch is one of the premier networking events for the UK mortgage industry and attracts over 500 attendees. The 2015 lunch will be sponsored by Kensington.

Contact the CML Events Team: E: events@cml.org.uk T: 0845 373 6771

www.cml.org.uk/events ANNUAL CONFERENCE

19

www.cml.org.uk/events