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
Rosemari is a Senior Consultant within our Capital Markets team. She provides specialist compliance support to a portfolio of clients ranging from small banks, FX brokers, crypto firms to corporate broking firms. Rosemari specialises in providing high quality support to her clients and helps them by conducting compliance monitoring programmes, assisting with training development and delivery, writing policies and procedures and reviewing their governance and compliance frameworks.
Rosemari joined Compliancy Services in 2014 as Head of Operations before moving to work with Klynveld Peat Marwick Goerdeler (KPMG) as Regulatory Manager three years later. After almost a year with KPMG, Rosemari returned to Compliancy Services as a Senior Consultant in our Capital Markets team. Since then, she has been providing clients with premium compliance support and guidance as a key member of our Capital Markets function.
In addition to a successful career in financial compliance and adept knowledge of financial crime, anti-money laundering (AML), S166 remediation, Internal auditing and GABRIEL returns, Rosemari also holds a degree in Design Studies from University College Salford. When she isn’t supporting her clients, Rosemari enjoys open water swimming (mostly in approved reservoirs), finding new recipes to try from her collection of over 120 cookbooks and supporting the Springboks.
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 and in February 2020 he progressed to become a Payment Services Consultant.
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 began his journey towards achieving the ICA Diploma in Anti Money Laundering, which he completed in 2021. Matt 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 many sports, including cricket, running and golf, where he plays off of a handicap of 4.
James, our Client Director for Payment Services, is a highly qualified financial services expert and a familiar name to many in the payments and e-money community. James leads our Payment Services Practice and provides technical support to our clients, specialising in payment services regulation and new firm authorisations. James represents Compliancy Services as a member of CryptoUK; The Association of Foreign Exchange and Payment Companies (AFEP); and The Association of Professional Compliance Consultants (APCC), where he chairs the FCA Authorisations Working Group and co-chairs the Crypto Working Group.
Before joining Compliancy Services, James spent over 22 years’ as a regulator at the Financial Conduct Authority (FCA). During his time with the FCA, James held a number of significant roles including: Head of Passporting 2005-2010; Authorisations Manager 2010-2016; and PSD2 Accountable Executive 2016-2017, where he was responsible for the project to implement PSD2 into UK regulation.
James' additional qualifications include; a Specialist Certificate in AML – NPPS, from the ICA; a Financial Planning Certificate and Mortgage Advice Qualification from the CII; and Certificates in Mortgage Advice & Practice, Regulated General Insurance, and Supervising in a Regulated Environment from the Institute of Financial Services
Outside of work James has many sporting interests including rugby, as a retired county player, and football, where his allegiance lies with his favourite team, QPR.
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.
Luke is the Marketing Executive within our marketing team. He is responsible for managing and supporting marketing campaigns & channels, updating and maintaining our website, assisting with content creation and supporting wider commercial activities and projects.
Luke joined Compliancy Services in 2019 as a Marketing Assistant and was promoted to Executive in 2021. Before joining us, Luke attended Lancaster University where he graduated with BSc (Hons) in Marketing and Design in 2019 and undertook a six-month marketing and design consultancy project with a small team for a well-known food regulation and compliance firm.
In addition to his BSc, Luke is currently studying towards a Level 6 CIM Marketing Management Apprenticeship and hopes to combine this with a CIM Level 6 Diploma in Professional Marketing at the end of the course.
When he isn’t working, Luke enjoys watching international rugby and supporting England. He is also has a keen darts player having captained his university college team, played for his university A team and competed in many individual and team competitions over recent years.
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.
Osita is a Senior Consultant within our Capital Markets team and a core member of our Prudential team. He specialises in providing support to Asset Management and Broker firms and has an adept knowledge of Conduct, Prudential and Compliance Frameworks. In his time with Compliancy Services, Osita has managed multiple FCA licence applications across various sectors, including MiFID and AIFMs, developed compliance frameworks and maintained them for small to medium sized investment firms.
Osita joined Compliancy Services in 2014 as a postgraduate from Business School and has since become an important member of our team. Before he joined us, Osita worked at PwC for just under five three years where he coordinated, managed and worked on a number of assurance engagements including local GAAP, International Financial Reporting Standards (IFRS) and Controls audits.
As well as being highly experienced, Osita also holds a Level 6 Investment Compliance Qualification from the Chartered Institute for Securities and Investment (CISI) and a master’s degree in Finance and Management from Cranfield School of Management. He is also a Chartered Accountant with the ACCA.
Outside of work, Osita spends his time supporting Arsenal FC and mentoring teenagers at his local church.
Levash is the Regulatory Support Team Leader within our Managed Services team. She specialises in Anti-Money Laundering and supports clients on a daily basis, most commonly providing financial crime assurance reviews. When she isn’t supporting clients, Levash takes a leading role within the Managed Services team and supports her colleagues with various projects and queries. She is also an active member of the International Compliance Association (ICA).
Lavash joined Compliancy Services in 2017 as a Central Project Consultant before progressing to Regulatory Support Team Leader in 2020. Before joining us, Levash worked in a number of finance and compliance roles, most notably, as Compliance and Risk Consultant at London Compliance Solutions and Regional Operations Manager in FNB Private Clients – Firstrand Bank Limited.
In addition to her experience, Levash is also highly qualified with an International Diploma in Anti Money Laundering from the ICA, a Certificate in Combatting Financial Crime from the Chartered Institute for Securities and Investments (CISI) and a Bachelor of Law from the University of KwaZulu Natal – South Africa.
Outside of work Levash can be found ferrying her two children to various sporting activities, enjoys being outdoors and supports the Springbok rugby team.
Colin is a Senior Consultant within our Capital Markets team. He works with a number of clients mainly covering the Mortgage, Insurance, Corporate Finance, Wealth Management and CFD sectors. On a day to day basis, Colin supports his clients by helping them to meet their regulatory obligations and assists them with their questions, queries and projects.
Colin joined Compliancy Services as an Associate Consultant and Training Director in 2009 and spent nearly 10 years in the role before joining our Capital Markets team in 2018. Since then, he has become a valuable member of the team and progressed to a Senior Consultant. Before joining Compliancy Services Colin worked at HBoS for 33 years during which time he held senior positions in the branch network and Training departments. During his 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.
In addition to his experience, Colin is also Associate Chartered Institute of Banking – Institute of Financial Services, Associate Chartered Securities Institute – CISI and he has a Diploma in Management Studies.
When he isn’t supporting his clients, Colin enjoys watching rugby union, gardening and reading up on history.
Ben was Chief Executive Officer of Compliancy Services for more than 10 years, before becoming Executive Chairman in 2020 and then moving to a Non-Executive Director role in March 2021. He was a key figure in Compliancy Services growing from a micro business to one of the leading independent providers of compliancy consultancy and regtech services. Today he remains a major shareholder and an important adviser to the Board.
Prior to joining Compliancy Services in 2004 Ben occupied senior management positions, which included managing European M&A for a subsidiary of GMAC and as Operations Director for a specialist UK provider responsible for a number of asset management activities.
Whilst serving in an executive role at Compliancy Services, he specialised in providing compliance, governance and risk advice to boards of banks and regulated companies and assisting new firms to become authorised by the FCA and PRA for the first time. He has worked with firms across a number of financial services sectors, in particular leading the applications for banks, investment and fintech firms. This includes supporting sectors that were facing FCA regulation for the first time such as consumer credit and cryptocurrency. For five years up until 2018 he served as 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.
Ben also serves as Chief Executive Officer of My Compliance Centre, a compliance management platform that has all the tools that firms regulated for financial services need to comply with their regulatory obligations. His passion for regtech and the value it can bring to compliance management led him to launch this new business in 2020.
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.
Gary is a Senior Consultant within our Capital Markets team and a core member of our Prudential practice. He provides day to day compliance support to a range of clients across the investment sector, managing a variety of projects and providing specialist advice. Gary specialises in supporting Investment Management, Corporate Finance and Crowdfunding clients, helping them to maintain their compliance and meet their regulatory obligations.
Before joining Compliancy Services in 2011, Gary worked in a number of compliance roles, most notably, Compliance Director for a Financial Services Group that includes a Financial Advisory and Investment Management arm. While in this position, Gary held FCA controlled functions CF1, CF10 and CF11 (now SMF3, SMF16 and SMF17) and was responsible for all compliance matters within the group. After nine years in this role, Gary joined Compliancy Services as a Senior Consultant within our Capital Markets team and has remained a key member of our Capital Markets function ever since.
In addition to his extensive experience, Gary also holds a number of qualifications including a Diploma in Business and Finance and a Level 4 Diploma in Financial Planning from the Charted Insurance Institute (CII). Gary is also an active member of the Association of Professional Compliance Consultants (APCC) Investment Firms Prudential Regime (IFPR) working group.
Outside of work Gary has many sporting interests but has a special place in his heart for his football team, Arsenal, who he has been a season ticket holder for, for over 35 years.
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 founded the company in 2003, and he is an adviser to the senior leadership team and provides services to our Mortgages, Insurance and Consumer Credit clients.
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.