Council of Mortgage Lenders CML Digital Innovation Conference Programme 2016 by Optic Juice

Digital innovation in the mortgage market Conference

14 September 2016 15Hatfields, London

programme

Sponsored by

Today’s programme 0915 – 0945 Registration and refreshments 0945 – 0950 Welcome and introduction Tracie Pearce, Head of Mortgages, HSBC Bank plc

0950 – 1020 Keynote Claire Sunderland Hay, Head of FinTech Accelerator, Bank of England Importance of innovation How the Bank has worked to engage with new firms and open the Bank to innovation Benefits of the approach and learning points to date

1020 – 1050 Embracing the digital future: How traditional lenders can meet the challenge of new digital banks Spencer Wyer, Global Chief Technology Officer, EDM Group

1050 – 1110 Technology, regulation and advice Chris Gardner, Head of New Business Development EMEA, Sandstone How does regulation keep pace with advances in technology whilst still protecting the industry? How do recent innovations affect mortgage lending?

1110 – 1140 Refreshments 1140 – 1200 Digital journeys and customer behaviour Colin Rankin, Head of New Business Development EMEA, Sandstone Technology Consumer capabilities & ‘digital empowerment’ When do customers abandon a digital journey and why? Strategies and solutions to meet the digital needs of borrowers

1200 – 1230 Game changers: Open banking Steve Tigar, Chief Executive Officer, Money Dashboard What is ‘open banking’ and how does it work? What could it mean for mainstream mortgage lending? How can lenders make the most of it whilst continuing to protect customers?

1230 – 1250 Creating and managing digital identities Livia Ralph, Industry Engagement Manager, GOV.UK Verify, Government Digital Service, Cabinet Office Matt Parsons, Interim Head of Policy and Engagement, GOV.UK Verify, Government Digital Service, Cabinet Office What is a digital identity? How do they work? What are the advantages for both customers and businesses? GOV.UK Verify in a digital mortgage context

1250 – 1350 Lunch 1350 – 1410 Moving into the digital space Eric Crabtree, Global Head of Financial Services, Unisys

1410 – 1430 Cyber resilience:Trends and fraud prevention Paul Taylor, Partner and UK Head of Cyber Security, KPMG Consumer verification Case tracking Warning signs Data sharing and protection

1430 – 1600 Practical applications of technology This session will explore three existing examples where mortgage providers have successfully integrated technology into the lending process

(1430 – 1450) How far can you go online? The omni-channel lender perspective Karen Prodger, Business Development Director, Barclays How are borrowers responding to omni-channel support? How does online help interact with execution-only lending? Strategies for success and potential pitfalls

1450 – 1520 Refreshments (1520 – 1540) The light is always on: How to transform the branch network Darren Shaw, Head of Nationwide NOW, Nationwide Building Society What is Nationwide NOW and how does it work? How has NOW improved the mortgage process for both lender and borrower? Experiences of implementation

(1540 – 1600) Breaking new ground: Digital advances at a challenger lender Chris Sparks, Chief Risk Officer, Atom Bank

1600 – 1620 The impossible dream? Tony Moroney, Managing Director, Berkeley Research Group (UK) Ltd

1620 – 1630 Chair’s closing remarks 1630

Conference close

@cmlevents #CMLdigital

Speaker biographies Chair

Tracie Pearce

Head of Mortgages, HSBC Bank plc

racie Pearce is Head of Mortgages at HSBC, with responsibility for UK mortgage lending. Tracie has worked in the UK mortgage industry for 20 years having started her career with Sun Bank. In 2003 she headed up the mortgage operation for the newly launched specialist lender ‘The Mortgage Works’. Tracie recently joined HSBC from Nationwide Building Society where she had spent a number of years running the buy to let and prime mortgage portfolios.

Eric Crabtree

Global Head of Financial Services, Unisys

ric Crabtree serves as Unisys’ Global Lead of Unisys Financial Services vertical industry group, his primary focus being to deepen customer engagement/ partnership and build a cohesive strategy across the world-wide fi nancial services vertical. Eric brings more than 20 years of experience in developing and delivering multi-channel fi nancial-services solutions. He most recently served as a managing director of omni-channel banking at Royal Bank of Scotland. Eric previously held senior executive leadership positions at Barclays Bank and Washington Mutual, and founded an advisory and consulting fi rm focused on the fi nancial services industry.

Chris Gardner

Head of Programme Management, Metro Bank PLC

hris leads Metro Bank’s mortgage, technology, strategy and implementation programme. He has 17 years’ experience in the Financial Services Industry, including several successful start-ups and has held a number of senior roles in high-growth mortgage businesses. Chris is passionate about technology and innovation and how it can be harnessed to create frictionless, value added, customer journeys and outcomes. Chris has a Masters in Financial Services Management and wrote a thesis on the impacts of regulation on First Time Buyers. He is also CeMAP qualifi ed.

Tony Moroney

Managing Director, Berkeley Research Group (UK) Ltd

ony is a Managing Director with Berkeley Research Group. He has 35 years’ experience in the fi nancial services industry of which 28 have been in mortgages. Industry roles have included chief executive and head of retail banking positions for major retail and mortgage fi rms. Before joining BRG, he worked in fi nancial services leadership advisory roles with two leading international consulting fi rms where he was a leading advisor on mortgages. Tony was a Vice-President and a member of General Council with the European Mortgage Federation 2006 – 2009 inclusive and is also a former Chair of the Irish Mortgage Council. He has spoken extensively on mortgage topics in the UK, Europe and the USA. He holds an MBA from University College Dublin, a Chartered Banker MBA from Bangor University and is a Chartered Director, Chartered Banker, & Chartered Marketer.

Matt Parsons

Interim Head of Policy and Engagement, GOV.UK Verify, Government Digital Service, Cabinet Office

att Parsons is Interim Head of Policy and Engagement for GOV.UK Verify, responsible for promoting GOV.UK Verify within government and for bringing a wide range of digital services on board. He has a clear understanding of the benefi ts that secure, straightforward identity assurance can bring to digital services and, most importantly, their users. Matt joined Cabinet Offi ce in 2014 and is an expert in stakeholder engagement with experience in project management and business analysis in the charity, private and public sectors.

Karen Prodger

Business Development Director, Barclays

aren 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.

Livia Ralph

Industry Engagement Manager, GOV.UK Verify, Government Digital Service, Cabinet Office

ivia Ralph, in her role as Industry Engagement Manager, is responsible for engagement with the wider private sector. She leads on projects that look at the adoption of the GOV.UK Verify model of digital identity within the private sector context, development and take up of digital identity products and growth of the identity ecosystem. Livia joined the Cabinet Offi ce in 2014 from a technology trade association where she was responsible for delivering a defence focused programme. She has a wealth of stakeholder management and project management experience both in the private and public sector.

Darren Shaw

Head of Nationwide NOW, Nationwide

arren Shaw joined Nationwide Building Society in 2000. Having had a successful career in the Branch Network in a variety of roles up to area director level, Darren was appointed Head of Nationwide Now in July 2014. He is accountable for the oversight of the Nationwide Now Remote Sales Channel working closely with the Branch and Retail networks.

Chris Sparks

Chief Risk Officer, Atom Bank

hris Sparks joined the Durham based Atom Bank in October 2015 as Atom’s Chief Risk Offi cer. Prior to joining Atom Chris had spent over twenty years in fi nancial services working both in the UK and abroad holding senior positions in Risk and Finance at a number of fi rms including HSBC, RBS, GE and Virgin Money.

Claire Sunderland Hay

Head of FinTech Accelerator, Bank of England

laire Sunderland Hay is the head of the Bank of England’s FinTech Accelerator. In this work, she heads up the Bank’s engagement with FinTech fi rms. Prior to this role she was Private Secretary to the Deputy Governor for Financial Stability. Claire joined the Bank from the FSA, and is a qualifi ed accountant with experience in corporate fi nance.

Colin Rankin

Head of New Business Development EMEA, Sandstone Technology

olin Rankin has over 30 years of experience in IT Development and New Business Sales in the Financial Services sector. Prior to joining Sandstone in 2008, he held senior new business and account management roles at Certegy, Eontec, EFunds and The Software Partnership Ltd. Colin has been instrumental in growing Sandstone’s client base and partnership relationships in the UK and Europe and has a long track record in the deployment of digital and online solutions into global fi nancial organisations.

Paul Taylor

Partner and UK Head of Cyber Security, KPMG

aul Taylor leads KPMG’s Cyber Security practice in the UK. He has led the delivery of some of the most demanding national security programmes in the UK, operating at the very highest levels of government. Paul is uniquely qualifi ed to understand the evolving threat environment, as well as having an exceptional track record of driving and delivering change in complex organisations. Paul’s contribution to the world of science technology was recognised by his election as a Fellow of the Royal Academy of Engineering in 2013.

Steve Tigar

CEO, Money Dashboard

teve Tigar has helped Money Dashboard secure a signifi cant round of equity investment, establish multiple revenue streams, grow the user base to over 100,000 and develop innovative new products. Prior to this, Steve was Managing Director at a high-growth property tech business and also had a successful career in advertising where he was responsible for developing brand advertising campaigns that worked.

Spencer Wyer

Global Chief Technology Officer, EDM Group

pencer is responsible for architecting EDM’s Axis platform which integrates leading edge; Digital Mailroom, Intelligent Capture, Content Management, Business Process, Enterprise Search, Smart Data and Output Management technologies as a single end to end platform as a service. He spends the rest of his time with major clients understanding their needs to ensure that EDM Group is a leader in delivering Enterprise Information Management solutions for customers such as Nationwide and HMRC to whom, along with many other customers, EDM are considered trusted advisors in digital transformation. In the Mortgage market Spencer is the executive sponsor of EDM PRISM, EDM’s property risk hub helping automate the mortgage process.

Driving digital innovation in the UK mortgage market

EDM is a leading provider of hosted technology platforms to the UK mortgage industry. We work with 4 of the top 6 lenders and thousands of UK mortgage professionals to deliver full visibility and greater control of their businesses and a much improved customer experience.

Residential Valuation Exchange

Commercial Valuation Exchange

seconds Mortgage decisions in under 30 seconds

Asset Management Services

EDM Blue

50%

EDM Prism

MSS Digital Mailroom

reduction

UK lenders

Reduce end-to-end processing time by 50%

Working with over 25 UK lenders

enquiries@edmgroup.com

0800 731 4911

www.edmgroup.com/mss

@EDMGroupUK

Thank you to today’s sponsor and exhibitors Sponsor and exhibitor EDM Mortgage Support Services EDM Mortgage Support Services supports UK lenders in their journey to the digital future. EDM software products automate processes and help more than 25 UK lenders securely exchange data with other UK mortgage market participants including valuation professionals, conveyancers, brokers, receivers and data providers. To discover how EDM PRISM is helping a leading UK lender give customers a decision in principle on UK properties in less than a minute watch their short video. www.edmgroup.com/sectors/mss/services/edm-prism

Exhibitors

Fiserv Fiserv, Inc. (NASDAQ: FISV) enables clients to achieve best-in-class results by driving quality and innovation in payments, processing services, risk and compliance, customer and channel management, and business insights and optimisation. For more than 30 years, Fiserv has been a leader in fi nancial services technology, and today is among FORTUNE® magazine’s World’s Most Admired Companies and Forbes magazine’s America’s Best Employers. To learn more about how Fiserv is revolutionising UK fi nancial services with AgilitiTM visit www.agiliti-fiserv.com

Money Dashboard Money Dashboard is the UK’s most popular personal fi nance app that takes the hassle out of budgeting for over 100,000 consumers. We have recently launched an exciting new mortgage affordability tool that will allow a consumer to produce highly accurate and verifi ed assessment of their affordability in 4 quick, simple, steps. This information can be used by those trying to understand what they can afford to borrow, or when the time is right, shared with a broker or lender to create a frictionless mortgage application. www.moneydashboard.com

Registers of Scotland Registers of Scotland (RoS) is the government department responsible for compiling and maintaining registers relating to land, property and other legal documents in Scotland. RoS records and safeguards the rights of the individual whilst providing open and effi cient access to important information on the registers. www.ros.gov.uk

Delegate list Paul Albone

Michael Conville

Debra Fairlie

David Alexander

Jayne Coppinger

Nicholas Foulcher

John Bagshaw

Vicki Cox

Managing Director Connells Group Senior Lending Manager Shawbrook Bank Limited Corporate Services Director Connells Group

Alex Bailes

Head of Digital IT Management Connells Group

Rory Bailey

Sales & Relationship Manager Landmark Quest Head of LTM Operations Legal & General Home Finance

Eric Crabtree

Global Head of Financial Services Unisys Limited

Andrew Craddock

Transformation Director Legal & General Home Finance Management Consultant â&#x20AC;&#x201C; Financial Services Accenture

Chris Gardner

Head of Programme Management Metro Bank PLC

Anthony Glasgow

Chief Information Officer Connells Group

Chief Executive Buckinghamshire Building Society

Nicola Glover

Head of Mortgages & Savings Market Harborough Building Society

Carol Craddock

Sarah Green

Victoria Birkby

Tony Crane

Prem Griffith

Alison Davies

Jon Guthrie

Tony Davis

Maria Harris

Ponnu Devarajan

Craig Haslam

David Driver

Ricardo Henriques

John Eastgate

Dan Houston

Paul Edgecombe

Kate Howarth

Clare Edwards

Mark Howell

Marion Ellis

Stephen Humphreys

Andrew Fairburn

Richard Johnson

Head of Operations Money Dashboard

Stephen Barringer

Management Consultant â&#x20AC;&#x201C; Financial Services Accenture

Martin Brown

Head of Product Proposition & Strategy Bank of Ireland

Nicola Burgun

Compliance Implementation Manager Cheltenham & Gloucester plc

Scott Burman

Corporate Relationship Director Countrywide

Ashley Burton

Head of Change Ipswich Building Society

Greg Caldwell

Sales Director, Agiliti Fiserv

Alistair Campbell Technology Director LMS

Steve Carruthers

Head of Mortgage Distribution Newcastle Building Society

Chris Churchill-Coleman Business Consultant Sandstone Technology

Matthew Clemow

Business Development Manager Niu Solutions

Head of Mortgage Operations Newcastle Building Society

Senior Product Manager, Mortgages Clydesdale Bank plc Business Manager The Royal Bank of Scotland Plc Head of Digital Skipton Building Society Senior Mortgage Product Manager OneSavings Bank Plc Head of Development Mutual Vision Technologies Commercial Director eTech Sales & Marketing Director OneSavings Bank Plc Head of Mortgages Harrods Bank Ltd Team Leader - Strategic Partnerships Bank of Ireland Head of Customer Experience Countrywide Senior Business Consultant Target Group Limited

Strategic Market Analyst Leeds Building Society Director, Business Development Sutherland Global Services Consultant Bovill Limited Director of Technical Services Pepper (UK) Limited Director of Retail Mortgages Atom Bank Head of Product Management The Mutual Vision Technologies Ltd Department Director Millenniumbcp

Mortgage Transformation HBOS plc Marketing and Sponsorship Executive Council of Mortgage Lenders Head of Marketing Bank of Ireland Head of Propositions Huntswood CTC Ltd

Head of Products and Marketing Computershare

Leanne Jones

Tracie Pearce

Christopher Sparks

Soelene Justus

Joe Pepper

Lee Stallard

Policy and Change Officer Principality Building Society Senior Marketing Manager Fiserv

Nicolas Kendall Marketing Manager Computershare

Carol-Ann King

Head of Global Marketing EDM Group Ltd

Andy Knee

Managing Director LMS

Alex Maddox

Capital Markets Director The Northview Group

Nikki Marsh

Director of Customer & Digital Leeds Building Society

John McCurry

Head of Business Improvement Countrywide

Graeme McGregor

Management Consultant â&#x20AC;&#x201C; Financial Services Accenture

Tony Moroney

Managing Director Berkeley Research Group (UK) Ltd

Michael Owen

Consultant Frontier Economics

Jenny Owen

Commercial Director Lawyer Checker

Caroline Palluch

Consultant Frontier Economics

Jo Parkinson

Support Services Manager MOGO Holdings Ltd

Matt Parsons

Interim Head of Policy and Engagement, GOV.UK Verify Government Digital Service, Cabinet Office

Head of Mortgages HSBC Bank plc Managing Director, EDM Mortgage Support Services EDM Group Ltd

Victoria Phillips

Senior Portfolio Manager Yorkshire Bank

Andrew Pinhorn Head of Banking C. Hoare & Co.

Liz Porter

IT Manager Council of Mortgage Lenders

Adam Prichard

Head of Product Lending IRESS

Karen Prodger

Business Development Director Barclays

Jon Quayle

Head of Business Development Money Dashboard

Livia Ralph

Industry Engagement Manager, GOV.UK Verify Government Digital Service, Cabinet Office

Colin Rankin

Head of New Business Development EMEA Sandstone Technology

Matt Rogers

Senior Consultant EY

Richard Rowntree

Head of Specialist Banking The Royal Bank of Scotland Plc

Ian Shaw

National Business Development Manager EDM Group Ltd

Darren Shaw

Head of Nationwide NOW Nationwide Building Society

Debbie Southam

Senior Product Owner - Mortgages and Loans Svenska Handelsbanken AB (Publ)

Chief Risk Officer Atom Bank

Underwriting Supervisor Monmouthshire Building Society

Andrew Steadman Product Director - Agiliti Fiserv

Nik Steffny Director E4

Kevin Stewart

Account Manager Registers of Scotland

Claire Sunderland Hay Head of Fintech Accelerator Bank of England

Darcy Tallon

Consultant Bovill Limited

Sally Thomas

Marketing Communications Manager Bank of Ireland

Steve Tigar

Chief Executive Officer Money Dashboard

Yvonne Turnbull

Mortgage Underwriter Magellan Homeloans

Richard Walton

Product Owner - Mortgages Svenska Handelsbanken AB (Publ)

Philip Watts

Product Manager IRESS

Adele Watts

Product Owner Registers of Scotland

Alan Webb

Operations Manager Nationwide Building Society

Jennifer Wood

Marketing Manager LMS

Spencer Wyer

Global Chief Technology Officer EDM Group Ltd

CML EVENTS 2016

Intermediary matters: Maintaining an effective mortgage market 22 September London

Mortgages and data protection regulation 27 September London

Mortgages and the law Various dates London

Scotland annual dinner 6 October Edinburgh

Regulation: Conduct yourself well 12 October Leeds

Low cost home ownership 18 October London

Annual conference 9 November London

Annual dinner 7 December London

For more information and online booking, visit:

www.cml.org.uk/events T: 0845 373 6771 E: events@cml.org.uk

To fi nd out how to work with the CML by sponsoring one of our events, contact Richard Patrick, on 020 7438 8910 or richard.patrick@cml.org.uk Stay informed and sign up to CML news and updates focussed on your interests: www.cml.org.uk/my-cml @cmlevents

Council of Mortgage Lenders

Notes

ANNUAL CONFERENCE 9 NOVEMBER 2016 CAVENDISH CONFERENCE CENTRE

www.cml.org.uk/annualconference The premier conference for the UK mortgage industry Housing supply and stock trends: What do they mean for the future? Capabilities and capacity issues of new build The latest research and findings from CML Can regulation and market innovation ever co-exist comfortably? The future for last-time buyers â&#x20AC;¦and much more! Email: events@cml.org.uk

R I S I N G Our CML Rising Stars programme finalists will present their ideas for a brilliant mortgage product and/or service to meet the specific mortgage needs of older people.

Phone: 0845 373 6771