Andrew is our Chief Financial Officer and is responsible for managing financial strategy and operations at Compliancy Services.
Andrew is a financial professional with over 30 years experience in a wide range of business sectors. Prior to joining Compliancy Services, Andrew served 5 years as the Finance Director of Fairfax I.S. PLC, a boutique Investment Bank in Mayfair, London. He has also served as the Chief Financial Officer of Stern Stewart & Co, renowned for being the EVA company, a worldwide management consultancy firm.
Andrew began his career in Audit where he trained to become a Chartered Accountant at RSM, and has audited clients within a wide range of sectors. As a Senior Audit Manager, he specialised in the Financial Services Sector where Rathbone Brothers PLC and its subsidiaries were one of his prestigious clients.
Andrew is a Fellow Member of the Institute of Chartered Accountants in England and Wales.
Client Services - Senior Consultant/Interim Team Leader
Abou Bangoura is a consultant within our Payment Services team. He offers practical experience and knowledge to help our clients understand and manage their regulatory compliance and financial crime obligations.
Prior to joining Compliancy Services in December 2020, Abou has spent more than seven years working in compliance teams for Authorised Payment Institutions and E-money Institutions. His most recent experience was as a Compliance Officer and Deputy MLRO for Nvayo, an E-money Institution and Principal Member of Mastercard.
Abou has an ICA Diploma in Anti-Money Laundering from the International Compliance Association, having graduated from the University of Bordeaux Montesquieu with a degree in economics and management and from the University of Westminster with a masters’ degree in international commercial law.
When he is not thinking payment services regulatory compliance, he likes to watch NBA games and has a lifelong goal is to attend a NBA final.
Matthew is a Consultant within our Payment Services team. He offers practical support to help our clients manage their regulatory compliance obligations and assists them with their everyday compliance needs. As well as his experience in payments and e-money, Matthew also has an adept knowledge of Financial Crime.
Matthew joined Compliancy Services in 2017 as part of our graduate programme and has developed into a well-rounded compliance professional. In 2019, he was awarded the Rising Star of the Year at the Compliance Register Platinum Awards.
Matthew has a BSc in Economics from Newcastle University as well as a CISI Certificate in Combatting Financial Crime. While working with us he has also begun his journey towards achieving the ICA Diploma in Aniti Money Laundering, which he aims to complete in 2021. He is also an active member of The Association of Foreign Exchange and Payment companies (AFEP) and International Compliance Association (ICA).
Outside of work Matthew enjoys playing cricket and golf, where he plays off of a handicap of 4.
James is our Client Director – Payment Services and a familiar name to many in the payments and e-money community. He leads our dedicated Payment Services Practice, responsible for delivery of consultancy services and helping clients compile and submit applications for authorisation in the UK and in the EU.
James spent over 22 years at the Financial Conduct Authority (FCA) where he was, most notably, in charge of the Payments Authorisations Team. James, also, headed up the Passporting Team and participated in a number of European working groups, developing guidelines and technical standards for various single market directives.
Most significantly, James represented the FCA in drafting the EBA’s ‘Authorisation Guidelines’, which set out the information requirements for all payment services applications across Europe. He was also the Accountable Executive at the FCA responsible for the project to implement PSD2 into UK regulation.
James is currently Chair of the Association of Professional Compliance Consultants' Authorisations Working Group liaising with the FCA Authorisations department to provide feedback and opportunities for process improvement.
Alex is a Senior Consultant within our Capital Markets team. He offers practical support to help our clients manage their regulatory compliance obligations and assists them with their everyday compliance needs.
Before joining Compliancy Services in January 2021, Alex spent over six years’ in the financial services sector, with his most recent experience coming as a Compliance Consultant at ACA Compliance Group (previously Cordium Consulting).
In addition to his vast experience, Alex also brings with him two CISI qualifications, including a Level 3 Certificate in Risk in Financial Services and a Level 6 Diploma in Investment Compliance. He also graduated from The University of Reading where he achieved a BSc in Investment and Finance in Property and a MSc in Capital Markets, Regulation and Compliance.
When he is not providing compliance support, Alex enjoys playing the piano and staying healthy by cycling and exercising in his local gym.
John is one of the UK’s foremost compliance experts in payment services, and he is Technical Director in our Payment Services Practice.
Assisting Banks, Payment Institutions and E-money Institutions manage their compliance and plan their future commercial strategies in the light of changing regulations, and has unparalleled experience of relevant payments legislation and regulation.
Immediately before joining Compliancy Services, John was Senior Manager, Compliance Advisory, for Global Transaction Banking at Lloyds Bank where he also acted as subject matter expert on payments. Prior to that he was the FSA’s Technical Specialist on Payments, dealing with the UK implementation of the Payment Services Directive and the 2nd E-Money Directive.
He was the first editor of the FSA’s PSR Approach Document and assisted with the development of PERG 15 in the Handbook, as well as assisting HM Treasury with the drafting of the UK legislation. At EU level he was a member of the European Commission’s Payments Committee, the ECB’s Forum on the Security of Retail Payments and the EBA’s Standing Committee on Consumer Protection and Financial Innovation.
Thanos is a Consultant within our Capital Markets team. He offers support to help our clients manage their day-to-day compliance obligations and assists them with their ongoing compliance needs. He provides specialist support in the areas of AIFMD, MiFID II, SM&CR and Financial Promotions and is a member of the Chartered Institute for Securities & Investment (CISI).
Before joining Compliancy Services in February 2021, Thanos spent over four years’ at ACA Compliance Group (previously Cordium Consulting). During his time with ACA, he worked as a Compliance Consultant, where he supported a vast portfolio of clients and spent one year with Mirabella Financial Services Limited during an internal secondment.
Thanos’ experience in compliance stems from his legal education where he earned a LLB - Hons in Law from the University of Sunderland and a LLM in International Commercial Law from University College London. He has also completed his Legal Practice Course (LPC) from the University of Law and holds a diploma in Investment Compliance from the CISI.
Outside of work Thanos enjoys travelling, swimming and staying active in his local gym.
Colin is a senior consultant in our City Markets team, working mainly with clients in the Mortgage, Insurance, Corporate Finance, Wealth Management and CFD sectors.
Colin worked at HBoS for 33 years during which time he held senior positions in the branch network and Training departments. During the last 15 years at HBoS Colin worked in Risk and Compliance where he held the positions of Regional Risk Manager and Manager of Risk and Compliance for Retail Telephony Sales.
Colin is an Associate of the Chartered Institute of Bankers, Associate of the Chartered Securities Institute and holds a Diploma in Management Studies.
Ben specialises in providing compliance, governance and risk advice to boards of banks and regulated companies; in assisting new firms to become authorised by the FCA and PRA for the first time; and the develooment of regtech solutions.
He has worked with firms across a number of financial service sectors, in particular leading the applications for banks, investment and fintech firms. This includes supporting sectors that are facing FCA regulation for the first time such as consumer credit and cryptocurrency.
For five years he was Chair of the Association of Professional Compliance Consultants Authorisations Working Group where he regularly liaised with the FCA authorisations team to help them consider improvements to the applications process.
A founder of Compliancy Services, prior to becoming Chairman in 2020 he was CEO for more than 10 years.
Philip has 35 years financial services experience, 31 of which have been in UK Compliance. He has extensive knowledge of both retail and wholesale compliance responsibilities and obligations, the last 10 of which have been predominately focused on the wholesale sector.
Before joining Compliancy Services, Philip spent 10 years working with ACA Compliance based in London. He was jointly responsible for a team of over 50 compliance professionals and a turnover of £11m. He joined the ACA group as part of its acquisition of Cordium in September 2018. At that time he was a Managing Director responsible for Cordium’s UK Compliance practice.
His first role in compliance was in 1995 when he worked as an Enforcement Officer for the Life Assurance and Unit Trust Regulatory Organisation, known as ‘LAUTRO’. He then spent subsequent years in compliance roles for The Hartford, that served the UK IFA market, with Compliance First (now part of SimplyBiz) and with National Australia Group.
He has extensive hands on technical knowledge experience with IFAs, banks, hedge funds, private equity/venture capital firms, corporate finance firms, and other more niche regulated and unregulated entities.
David is a Consultant within our Payment Services team. He is responsible for the delivery of consultancy services and specialises in supporting firms with their FCA authorisations, AML registrations and the management of their ongoing compliance obligations. In addition to his knowledge of the payment services sector, David also has an avid interest in cryptoassets and represents Compliancy Services in our membership with CryptoUK.
David joined Compliancy Services in 2017 as part of our graduate programme after working in the International Affairs Office at the Central Bank of Venezulea for four years. Since starting with Compliancy Services he has worked with a vast portfolio of clients and joined the Association of Compliance Consultants (APCC) Crypto working group as an active member.
David has a CISI Level 3 Award in Combatting Financial Crime, a Financial Institutions Specialist MSc from Catholic University “Andres Bello” Venezuela and a BSc in Economics from Central University de Venezuela. David was also awarded the Chevening Scholarship Award (Scholar 2016-17) by the Foreign Commonwealth Office UK. Chevening Scholarships enable outstanding emerging leaders from all over the world to pursue a one-year master’s degrees in the UK, allowing David to achieve an MBA in Global Banking and Finance from the University of Birmingham.
Dimitrios is a Consultant within our Capital Markets team. He offers support and guidance to our clients helping them to maintain their compliance and keep up with their regulatory obligations. Dimitrios specialises in providing senior managers and compliance officers with bespoke support and has an adept knowledge of SM&CR, High Level Standards (PRIN, SYSC, COCON, COND, APER, FIT), Business Standards (COBS, PROD), Regulatory Processes (SUP), Specialist sourcebooks (FUND) and Regulatory Guides (PERG).
Before joining Compliancy Services, Dimitrios spent over three years’ providing compliance services in the UK, with his most recent experience coming from ACA Compliance Group (previously Cordium Consulting). During the course of his previous roles, Dimitrios worked with a diversified capital markets client portfolio and co-led the SM&CR implementation project for a government backed development finance institution in 2019.
Dimitrios also highly qualified, with a Bachelor of Laws (LLB) from the Democritus University of Thrace, a Banking and Finance Law LLM from Queen Mary University of London and three additional qualifications from the Chartered Institute for Securities & Investment (CISI, where Dimitrios is also an associate).
In addition to compliance consulting, Dimitrios has also been a professional radio producer and presenter and served in the Military Police Corps in the Hellenic Army. When he isn’t working, you can find him playing his acoustic guitar or watching his favourite genre of cinema, Sci-fi.
Harpartap Singh is responsible for the for the development and expansion of Compliancy Services’ prudential services offering and client service delivery.
He has substantial experience helping firms manage their prudential regulatory obligations, including ICAAP and ILAAP reviews; SREP remediation; GABRIEL / COREP reporting; recovery and resolution plans; wind down planning; regulatory capital restructuring; and M&A due diligence. Whilst he has substantial experience helping firms across all sectors to comply with their prudential regulatory obligations, his particular strength is helping investment firms and credit institutions.
He joined Compliancy Services in 2020 having spent four years leading Bovill’s Regulatory Capital and Liquidity Team. His career started in the mid-1990s as a barrister, before becoming a Chartered Accountant and Prudential Consultant in the early 2000’s working for consultancies including PwC, Grant Thornton and Buzzacott.
Harpartap is a regular speaker at conferences and industry seminars and regularly writes about the management of prudential risk.
Iain is our Joint CEO, setting up the company in 2003, and heads up our Mortgages, Insurance and Consumer Credit sectors.
His main focus is on large clients, which include a number of Plcs, household names and other large firms, providing board level support and guidance to clients’ compliance functions.
Iain has significant experience of the financial services industry, including over 25 years in banking, investments and insurance with Barclays, Citibank and NatWest banks and is formally qualified in both Banking and Accountancy. Iain is also a Chartered Management Consultant.
Iain also has been responsible for ensuring many regulated firms gain their FCA licence and has acted as a skilled person under section166. Iain’s clients also benefit from his wide-ranging business and consulting experience.
Iain is a senior member of several industry organisations, providing input into the formation of policy and advising on lobbying. He is also a regular speaker on business and compliance matters.
Kumar is our Managing Director and is responsible for all of our consulting activities in the Banking, Payments, Capital Markets and Asset Management sectors.
Kumar is an internationally experienced Counterparty Risk, Regulatory Compliance & Change and Risk & Operations Transformation Management Leader and trouble-shooter. He has extensive and diverse management and line role experiences within Banking Credit, Counterparty, Market & Operational Risk Management and Insurance spanning 28+ years in Europe and Asia.
He has galvanised and extended his skillset during the last 8+ years within Consultancy in areas of Advisory, Management and Execution to a spectrum of financial institutions whilst carving out specialisms in Forensic Risk Management, Regulatory Compliance & Strategic Credit and Counterparty Transformations. Kumar has gained a deep understanding of, including stakeholder impacts, both current and in-flight Financial & Banking regulations. His FCA secondment within Financial Benchmarks has given unique insights into the tri-party regulatory objectives in setting policy, the role of industry consultation and implementation.