CML Mortgage Regulation 2017 Conference booklet

Mortgage regulation:

conduct yourself well 7 February 2017 Leeds

Conference programme

Mortgage regulation: conduct yourself well

Today’s programme 0930 – 1000 1000 – 1005 1005 – 1035

Registration Welcome and introduction

Katie Marriott, Head of Compliance, Leeds Building Society

New horizons: an examination of the future of mortgage regulation Sue Rossiter, Senior Policy Adviser, Council of Mortgage Lenders Brexit BoS versus Rea Retirement borrowing FCA our future mission Prudential considerations

1035 – 1105

Innovative compliance

John Seaton, Director, KPMG

1105 – 1135

Refreshments

1135 – 1205

Perspectives on the competition market study

A session exploring what the industry might be hoping for from the FCA competition market study

(1135 – 1145) The front line

Karen Lacy-Roberts, Head of Compliance, Computershare Loan Services

(1145 – 1155) The trade body

Sue Rossiter, Senior Policy Adviser, Council of Mortgage Lenders

(1155 - 1205) The law

Ros Kellaway, Head of the Eversheds Competition, EU and Regulatory Group, Eversheds

1205 – 1210

Movement to break out sessions

1210 – 1240

Break out sessions: Fairness of mortgage contracts

Russell Kelsall, Partner,TLT LLP Review of terms and conditions Guidance from the FCA

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The application of competition law in the mortgage sector

Trudy Feaster-Gee, Partner (Barrister) and Head of Competition,Walker Morris LLP Competition law risk in the mortgage sector The FCA’s ‘theories of harm’ in the mortgage market study

1240 – 1340

Lunch

1340 – 1430

Realities of record keeping

(1340 – 1355) Evidencing fair customer outcomes

Tracy Auchterlonie, Principal Consultant, Huntswood An overview on outcomes testing and look at the FCA’s desired six customer outcomes How can firms best undertake outcomes testing, evidence and record this?

What does outcomes testing allow you as a business to do better?

(1355 - 1410) Identifying vulnerability and customers in financial difficulty

Terry Baxter, Risk and Compliance Director,Target How to use your records to identify warning signs and vulnerable customers

(1410 – 1430) Digitisation

Mark Braddock, Commercial Director, RecordSure Identifying what is necessary when digitising records Balancing financial and time investments How digitisation can assist firms to meet their regulatory requirements

1430 – 1500 1500 - 1520

1520 - 1550

Refreshments Senior Managers Regime

Jamie O’Brien, Senior Manager, Deloitte Experience so far Implementation challenges Impact on non-deposit takers

The FCA mission statement

Prem Griffith, Consultant, Bovill Limited

1550 – 1600

Chair’s closing remarks

1600

Conference close

@cmlevents #CMLregulation

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Mortgage regulation: conduct yourself well

Speaker biographies Chair: Katie Marriott

Head of Compliance, Leeds Building Society

K

atie Marriott looks after the compliance monitoring and compliance projects and change teams at Leeds Building Society.The teams ensure that regulatory change impacting the Society is identified and actioned, appropriate advisory support is provided where required and that adherence to regulatory requirements is monitored effectively using a risk based approach. Katie works as part of the wider risk division leadership team in driving good practice risk management for the Society as a whole.

Prior to taking this role Katie gained over 15 years’ experience across a wide range of financial services roles. She held senior and internal audit positions at the Co-operative Bank and also gained many years’ experience across insurance, retail banking and building societies during her time at KPMG.

Tracy Auchterlonie

Principal Consultant, Huntswood

T

racy Auchterlonie has 20 years’ experience in retail financial services specialising in regulatory risk, compliance assurance and regulated sales. Prior to joining Huntswood in 2012, Tracy led and managed compliance monitoring teams for the world’s largest building society where she was responsible for the design and implementation of the annual compliance plan for retail sales.Tracy’s previous experience includes the role of senior compliance consultant providing advice and guidance on compliance policy with a focus on the on-going support and development for sales and marketing across firms’ product suite.

Terry Baxter

Risk and Compliance Director,Target

T

erry Baxter is Risk and Compliance Director at Target Group, one of the UK’s leading financial services business process outsource organisations. His experience includes working in industry, the regulator and in professional services. As a director in Grant Thornton UK LLP, he was responsible for leading a large number of skilled person reviews.

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Mark Braddock

Commercial Director, RecordSure

M

ark Braddock has spent his career in financial services and has performed senior roles at life companies, banks and suppliers to the industry. Mark’s role as Recordsure’s Commercial Director is focused upon the commercial aspects of the business and taking a unique solution to the challenges around the regulatory frameworks governing customer interactions to market.

Trudy Feaster-Gee

Partner (Barrister) and Head of Competition,Walker Morris LLP

T

rudy Feaster-Gee’s practice spans the full range of competition law matters.

Prior to joining Walker Morris, Trudy was Head of Competition External Engagement for one the major high street banks, advising the bank on competition regulatory policy and strategy.This included advising the bank on legal and policy issues; liaising on behalf of the bank with competition authorities (both UK and EC), the Financial Services Authority (FSA) now Financial Conduct Authority (FCA), UK Government, Treasury Select Committee and other external stakeholders; and co-ordinating external messaging and events on competition related matters.

Trudy has also advised on the competition law implications of syndicated loans; exclusive agency arrangements for insurance products and mortgages; and corporate transactions, including the acquisition of credit card portfolios.

In addition, Trudy has undertaken a number of secondments, including at DG Competition in Brussels and at the UK Competition Commission (now part of the CMA) supporting primarily the Chairman and Director of Policy on External Affairs and Competition Policy. Her experience allows her to advise on competition matters with a 360 degree perspective.

Prem Griffith

Managing Consultant, Bovill Limited

P

rem Griffith heads up Bovill’s banking, lending and payments team. He joined Bovill in 2014, from the FCA, where he spent 10 years working on waivers, authorisations, approved persons, significant influence function (SIF) interviews, banking supervision and mortgage thematic work.

During his time at Bovill, he has worked with a wide range of banking, consumer credit and mortgage clients, along with mock FCA interview coaching, role plays and providing detailed technical advice. Prem is also Bovill’s expert on the new Senior Managers and Certification Regime and has advised a number of their clients in relation to the implementation of the new regime.

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Mortgage regulation: conduct yourself well

Ros Kellaway

Head of the Eversheds Competition, EU and Regulatory Group, Eversheds

R

os Kellaway is Head of the Eversheds Competition, EU and Regulatory Group.

She has significant knowledge in the financial services, food, insurance, energy and automotive industries, as she acts for major companies in these industries.

She specialises in cartels, competition investigations, distribution and advice on EU law.

Ros has been recognised for many years as a leading individual in Chambers Guide to the Legal Profession and is currently described in Chambers Europe as an “absolute expert solicitor with a great tenacious style”. She is also consistently recognised in Chambers Global, The World’s Leading Lawyers and Legal 500.

Russell Kelsall Partner,TLT LLP

R

ussell Kelsall is a leading expert on consumer credit and regulated mortgages.

He regularly advises lenders on authorisation, documentation, policies and procedures, and complicated recoveries. He acted for the successful lender in Northern Rock (Asset Management) plc v Thakker and Thakker [2014] (the leading decision on the effect of alleged breaches of MCOB).

Karen Lacy-Roberts

Head of Compliance, Computershare Loan Services

K

aren Lacy-Roberts is Head of Compliance at Computershare Loan Services where she leads a team of 24 compliance professionals. She has extensive experience as an approved person in FCA relationship managed firms, UKAR, NRAM and Bradford & Bingley, spanning seven years as CF10, leading the integration of risk and compliance.

Previously she worked at Bradford & Bingley as the Senior Relationship Manager for Internal Audit. Prior to this, Karen worked at the BBC for eight years, in a variety of roles including Risk Management, Internal Audit and Business Continuity, leading cross-divisional projects and crisis management teams.

Karen is a qualified accountant, holds an MBA with distinction and has completed the Disaster Recovery Institute exams at Master Level. She also has a degree in Music Technology and a Post Graduate Certificate of Education.

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Jamie O’Brien

Senior Manager, Deloitte

J

amie O’Brien is a Senior Manager within Deloitte’s risk advisory practice. He has 10 years’ experience delivering a range of risk, governance and compliance services across the financial services and energy sectors. Over the past 24 months Jamie has helped a range of clients understand and respond to the Senior Managers Regime.

John Seaton Director, KPMG

J

ohn Seaton is a Director in KPMG’s Risk Practice which includes a focus on compliance co-sourcing, continuous monitoring and compliance automation. John has 20 years experience in financial services with previous process excellence experience in manufacturing and utility sectors. In recent years John has led projects to resolve and improve conduct issues and to improve the efficiency and effectiveness of compliance activities.

John is a Chartered Engineer and a Chartered member of the Institute of Quality Assurance.

Sue Rossiter

Senior Policy Adviser, Council of Mortgage Lenders

S

ue Rossiter has more than 15 years’ experience of regulatory policy development as both a civil servant and in a trade association setting. She joined the CML as a Senior Policy Adviser in November 2015. Drawing on her experience working in organisations including the Financial Ombudsman Service; OFGEM; the Office of the Rail Regulator; and the Remote Gambling Association, Sue specialises in conduct regulation at the CML.

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Mortgage regulation: conduct yourself well

FORTHCOMING

INFORMATION 1 MARCH

2017 9 MARCH London

m Birmingha

28 MARCH London

Treating s Customer Fairly

ding: n e l g n i d n Exte t retiremen in borrowing the UK

27 APRIL Leeds

Mortgages and competition law Arrears and possesions

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 8

For more information and online booking, visit: www.cml.org.uk/events T: 0845 373 6771 E: events@cml.org.uk

Delegate list Rob Aberdein

Claire Chambers

Jacob Giles

Elizabeth Annys

Lucy Cole

Ian Goodwin

Tracy Auchterlonie

Richard Copper

Chris Gover

Kerry Averill

Jonathan Drechsler

Caroline Grant

Terry Baxter

Alexander Edwards

Prem Griffith

Dorothy Boal

Rachel Ellis

Edward Halliwell

Catherine Bolam

Helen Fawcett

Angela Hancock

Mark Braddock

Trudy Feaster-Gee

Marie Harrison

Phil Broadhurst

Sheryl Fernando

Partner Aberdein Considine

Legal Counsel Coutts

Principal Consultant Huntswood CTC Limited

Manager Paragon Group

Risk and Compliance Director Target Group Limited

Business Governance Assistant Manager First Trust Bank

Senior Solicitor Newcastle Building Society

Commercial Director Recordsure

Partner Hay & Kilner

Eddie Carolan

Assistant Manager, Mortgage Products Allied Irish Bank

Matthew Cassidy

Business Governance Officer First Trust Bank

Darren Castle

Associate Director Financial Services Group Grant Thornton UK LLP

Regulation and Policy Consultant Skipton Building Society

Conduct and Regulatory Risk Manager Bradford & Bingley plc

Head of Compliance Policy Skipton Building Society

Business Development Recordsure

Senior Associate Rosling King LLP

Credit Officer Yorkshire Bank

Regulation and Policy Leader Skipton Building Society

Partner (Barrister) and Head of Competition Walker Morris LLP

Associate and Commercial Relations Manager Council of Mortgage Lenders

Simon Fox

Assurance Business Partner Yorkshire Building Society

Catherine Gibbs

Existing Customer Policy Manager Bank of Ireland

David Gibbs

Senior Lending Strategy Manager Bank of Ireland

Credit Risk Policy Oversight Manager Yorkshire Building Society

Governance and Policy Manager Paragon Bank

Client Services Manager Clayton Euro Risk Limited

Mortgage Monitoring Specialist Leeds Building Society

Managing Consultant Bovill Limited

Compliance Manager Pure Retirement Limited

Assurance Director Western Mortgage Services

Mortgage Compliance and Financial Crime Manager Secure Trust Bank plc

Phil Harrison

Senior Solicitor The Northview Group

Rachel Haswell-Cohen

Senior Compliance Manager Redstone Mortgages Limited

Emma Heffernan

Compliance Manager - Regulatory Change Coventry Building Society

Emma Houghton

Customer Communications Manager Lloyds Banking Group

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Mortgage regulation: conduct yourself well

Emma Howell

Katie Marriott

Celia Rowland

Julia Hughes

Susan McCallum

John Seaton

Leanne Jones

Karen McComb

Wendy Sleap

Polly Jones

Ally McGeorge

Andrew Soulsby

Claire McKnight

Stuart Spiers

Wendy McNicholas

Emma Sylvester

Stuart Montgomery

Robert Tromans

Jamie O’Brien

Paul Volske

Head of Marketing Worksmart Limited

Principal Compliance Consultant Sopra Banking Software

Policy and Change Officer Principality Building Society

Senior Manager - Regulated Sales and Distribution Risk Yorkshire Building Society

Ros Kellaway

Head of Competition EU and Regulatory Group Eversheds LLP

Russell Kelsall Partner TLT LLP

Robert Kent

Compliance Consultant Skipton Building Society

Ahsan Khan Associate Shoosmiths

Mairead King

Head of Conduct Risk Progressive Building Society

Karen Lacy-Roberts

Head of Compliance Computershare Loan Services

Hilary Lovell Partner Lightfoots LLP

Ryan MacInnis

Sales Policy Manager Yorkshire Building Society

Mairi Maclean Eadie Senior Products Solicitor Clydesdale Bank PLC

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Head of Compliance Leeds Building Society

Head of Compliance The Mortgage Lender

Mortgage Product Owner Svenska Handelsbanken

Senior Manager - Risk and Regulation Deloitte LLP

Mortgage Conduct of Business First Trust Bank

Mortgages and Savings Compliance Manager Unisys Europe Limited

Partner Shoosmiths

Senior Manager Deloitte LLP

Peter O’Neill Audit Manager Bank of Ireland

Robert Owen

Head of Legal and Compliance Precise Mortgages

Pav Padam

Senior Regulatory Trainer Leeds Building Society

Richard Patrick

Head of Commercial Activities Council of Mortgage Lenders

Sue Rossiter

Senior Policy Adviser Council of Mortgage Lenders

Business Support Manager Halifax plc

Director KPMG LLP (UK)

Head of UK Product Compliance Svenska Handelsbanken

Deputy Head of Customer and Commercial Virgin Money plc

Senior Credit Manager Yorkshire Bank

Head of Quality Assurance Connells Group

Operations Director Sutherland Global Services

Head of Credit, Quality Assurance and Supervision C. Hoare & Co.

Philip Watts

Project Manager - Lending IRESS

Sheena White

Credit Risk Manager Magellan Homeloans

Claire Whyte

Legal Counsel The Royal Bank of Scotland Plc

Joseph Woodall

Senior Product Manager HSBC Bank plc

Let’s

network!

CML Scotland lunch 10 March

CML annual lunch 21 April

E OFF-SSIT NG TION I U O H UC R T S N CO TE UPDA Expert speaker series 27 April

CML Cymru lunch 17 May Sponsored by

To ďŹ 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 @cmlevents

For more information and online booking, visit:

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

Council of Mortgage Lenders 11

www.cml.org.uk/events

T: 0845 373 6771 E: events@cml.org.uk @cmlevents #CMLregulation

Council of Mortgage Lenders