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Tom Pandya Summary
Tom Pandya
,
London, United Kingdom
Experience
Other titles
Skills
I'm offering
I have been a Senior Manager associated with The Grant Thornton Business Risk Services team focusing on major clients, notably over Compliance and Credit risk. I also run an independent practice in the risk space. My experience has been gained through active risk management roles, project implementations and specific consulting and auditing.
I have been a Senior Risk, Audit and Compliance Professional for 38 years with top tier Financial institutions, Companies and Consultancies across all five continents.
Skills:
• MS Office Suite applications
• Use of various bespoke and standard accounting, banking and audit systems
I have been a Senior Risk, Audit and Compliance Professional for 38 years with top tier Financial institutions, Companies and Consultancies across all five continents.
Skills:
• MS Office Suite applications
• Use of various bespoke and standard accounting, banking and audit systems
Markets
United States
United Kingdom
Germany
Lithuania
Denmark
Norway
Sweden
Finland
Language
English
Fluently
French
Fluently
Ready for
Larger project
Ongoing relation / part-time
Full time contractor
Available
My experience
2019 - 2019
temp
Director - Chief Compliance Officer (CF1 - Part Time)
Evergreen Finance London Limited.
• Interim Advisory role to bring this sub-prime consumer lender to implement Compliance with FCA requirements.
• Building out and implementing SMCR regime
• Oversight and management of Risk Function
• Communication and liaison with FCA
• Policy review and enhancement
• Implementing full Compliance Testing Programme
• Oversight of Training
• Implementing SMCR regime
• Board level management and oversight of Risk and Compliance functions.
• Strategic management advice to the Board.
• Building out and implementing SMCR regime
• Oversight and management of Risk Function
• Communication and liaison with FCA
• Policy review and enhancement
• Implementing full Compliance Testing Programme
• Oversight of Training
• Implementing SMCR regime
• Board level management and oversight of Risk and Compliance functions.
• Strategic management advice to the Board.
Training, Management, Compliance, Testing, Strategic Management, Interim
2019 - 2019
job
Interim Head of Regulatory Compliance
Saffron Building Society.
Conduct and MLRO
• Project work around Regulatory Compliance and Conduct across the Society
• Update and refresh of full Policy Suite
• Update and refresh of full Procedures Suite
• Advisory work on new products, BAU on the Society's activities
• Oversight of AML and Financial Crime function
• Assisting in implementation of SMCR Regime.
• Assisting CEO and CRO on ad-hoc basis.
• Project work around Regulatory Compliance and Conduct across the Society
• Update and refresh of full Policy Suite
• Update and refresh of full Procedures Suite
• Advisory work on new products, BAU on the Society's activities
• Oversight of AML and Financial Crime function
• Assisting in implementation of SMCR Regime.
• Assisting CEO and CRO on ad-hoc basis.
Compliance, Ceo, Implementation, Cro, Regulatory, Interim
2018 - 2018
job
Interim Head of Regulatory Compliance
FCA Advisory.
• Prepared the company three lines of defence model, write policy suite, obtain appropriate permissions from the FCA and delineate control framework aligned to FCA regulation for a potential product launch in late 2019.
• Also tie in the Regulated product to existing schemes - salary sacrifice for car leasing/purchase for employees of corporate partners, lease hire, custom purchase package for HNW individuals in ''Professional Practice'' - accountants, lawyers, doctors etc.
• Building out and implementing SMCR framework and Regime
• Trained staff on Regulated products and implement and training Directors for the forthcoming SM&CR regime (former Approved Persons Regime
• Wrote and implemented FCA Vendor Management Policy and Procedure.
• Worked on and executed the SMCR regime both internally and with the FCA.
• Also tie in the Regulated product to existing schemes - salary sacrifice for car leasing/purchase for employees of corporate partners, lease hire, custom purchase package for HNW individuals in ''Professional Practice'' - accountants, lawyers, doctors etc.
• Building out and implementing SMCR framework and Regime
• Trained staff on Regulated products and implement and training Directors for the forthcoming SM&CR regime (former Approved Persons Regime
• Wrote and implemented FCA Vendor Management Policy and Procedure.
• Worked on and executed the SMCR regime both internally and with the FCA.
Training, Management, Compliance, Vendor Management, Regulatory, Interim, Framework
2018 - 2018
job
FCA Liaison
Everyday Loans Ltd.
Advisory work and writing and/or updating a full suite of policy and procedures for this sub-prime provider of unsecured consumer credit, guarantor loans and second mortgages.
• Write fit for purpose Policies and Procedures.
• Work with the FCA/PRA to obtain appropriate permissions
• FCA Regulatory Reporting via ''Gabriel'' Portal
• FCA Liaison on remediation exercises
• Training for Approved Persons and Controlled Functions and steer through applications
• Submitting Approved Persons applications via ''FCA Connect''
• Day to day Regulatory advice to the business
• Support Compliance Assurance and Testing programme (4 staff) across the business, including 60+ retail branches
• Wrote and implemented FCA Vendor Management Policy and Procedure.
• Write fit for purpose Policies and Procedures.
• Work with the FCA/PRA to obtain appropriate permissions
• FCA Regulatory Reporting via ''Gabriel'' Portal
• FCA Liaison on remediation exercises
• Training for Approved Persons and Controlled Functions and steer through applications
• Submitting Approved Persons applications via ''FCA Connect''
• Day to day Regulatory advice to the business
• Support Compliance Assurance and Testing programme (4 staff) across the business, including 60+ retail branches
• Wrote and implemented FCA Vendor Management Policy and Procedure.
Writing, Training, Retail, Management, Compliance, Support, Testing, Vendor Management, Regulatory, Portal
2017 - 2017
freelance
Head of Governance and Regulatory Advice
Dixons Carphone PLC.
The project was to build out a ''standalone'' financial services company to run the group's Regulated activities - Consumer Credit Broking, wholesale and retail leasing and Insurance.
• Write fit for purpose Policies and Procedures.
• Building out and implementing SMCR framework and Regime
• Trained staff on Regulated products and implement and training Directors for the forthcoming SM&CR regime (former Approved Persons) Regime
• Work with the FCA/PRA to obtain appropriate permissions
• FCA Regulatory Reporting via ''Gabriel'' Portal
• FCA Liaison on remediation exercises
• Training for Approved Persons and Controlled Functions and steer through applications
• Day to day Regulatory advice to the business
• Wrote and implemented FCA Vendor Management Policy and Procedure.
• Write fit for purpose Policies and Procedures.
• Building out and implementing SMCR framework and Regime
• Trained staff on Regulated products and implement and training Directors for the forthcoming SM&CR regime (former Approved Persons) Regime
• Work with the FCA/PRA to obtain appropriate permissions
• FCA Regulatory Reporting via ''Gabriel'' Portal
• FCA Liaison on remediation exercises
• Training for Approved Persons and Controlled Functions and steer through applications
• Day to day Regulatory advice to the business
• Wrote and implemented FCA Vendor Management Policy and Procedure.
Training, Retail, Management, Vendor Management, Insurance, Regulatory, Wholesale, Portal, Framework
2016 - 2016
freelance
Interim Credit Risk Consultant/Manager
Aviva Group.
Conducting a series of ''Deep Dives'' within Aviva Investors' Investment Portfolios.
This is with a credit risk focus. Sectors include Automotive, high value equipment in the transportation sector, commercial and residential real estate and large ticket infrastructure projects.
This is with a credit risk focus. Sectors include Automotive, high value equipment in the transportation sector, commercial and residential real estate and large ticket infrastructure projects.
Infrastructure, Interim, Manager
2014 - 2016
job
Head of Regulatory Compliance UK/EMEA
Pay Pal UK.
Building from the ground up and enhancing as part of a team the Credit Risk Compliance function for Pay Pal Inc.'s EMEA operations.
• Advisory work on new products.
• Compliance with EMEA and UK Regulations
• Deep exposure to managing Compliance with 1) CONC - formulation of appropriate internal policies, controls and testing.
• Deep exposure to managing Compliance with 2) the UK Consumer Credit Acts and TCF Principles - formulation of appropriate internal policies, controls and testing.
• Deep exposure to managing Compliance with 3) the CSSF, since funding comes from the Pay Pal Bank in Luxembourg - formulation of appropriate internal policies, controls and testing.
• Meeting with and negotiating with pertinent Regulators such as the PRA, FCA and CSSF in both the UK and across EMEA
• Managing Pay Pal's EMEA Unregulated Wholesale (SME) Lending products for potential Regulatory impact
• Managing External Regulatory Audits
• Internal Stakeholder Management
• Driving the EMEA Credit Compliance Testing and Regulatory Assurance Program.
• Advisory work on new products.
• Compliance with EMEA and UK Regulations
• Deep exposure to managing Compliance with 1) CONC - formulation of appropriate internal policies, controls and testing.
• Deep exposure to managing Compliance with 2) the UK Consumer Credit Acts and TCF Principles - formulation of appropriate internal policies, controls and testing.
• Deep exposure to managing Compliance with 3) the CSSF, since funding comes from the Pay Pal Bank in Luxembourg - formulation of appropriate internal policies, controls and testing.
• Meeting with and negotiating with pertinent Regulators such as the PRA, FCA and CSSF in both the UK and across EMEA
• Managing Pay Pal's EMEA Unregulated Wholesale (SME) Lending products for potential Regulatory impact
• Managing External Regulatory Audits
• Internal Stakeholder Management
• Driving the EMEA Credit Compliance Testing and Regulatory Assurance Program.
Stakeholder Management, Management, Compliance, Testing, Regulatory, Wholesale, UP, Formulation
2014 - 2014
freelance
Compliance and Risk Consultant
The Co-Operative Bank.
Part of the team seconded to the institution by the FCA to address key Regulatory issues.
This included but was not limited to:
• Formulation of appropriate guidelines regarding appropriate conduct per the spirit of Legislation as deemed by the FCA.
• Implemented guidelines for adherence to guidelines around CONC, Consumer Credit Act and TCF Principles for which the Bank had been severely sanctioned.
• In an advisory capacity, ensured that the new management of the organization post it's ''rescue'' had a fit for purpose Governance structure.
• Above included appropriate controls by revision of the Charters of the Board of Directors including new NEDs, Exco, Audit Committee, Risk Committee, Credit Committee
• Review and redesign of the institution's Credit Risk Management framework.
• Voting member of all Executive Committees during transition.
• Member of Audit Committee, Compliance Committee, Risk Committee, Acting Secretary in a voting capacity to the Board of Directors
• Assisting Chief Risk Officer on numerous PRA and FCA related projects, audits, examinations and delivery on appropriate remediations if applicable.
• Introduction of new ''fit for conduct guidelines for all the bank's business units.
This included but was not limited to:
• Formulation of appropriate guidelines regarding appropriate conduct per the spirit of Legislation as deemed by the FCA.
• Implemented guidelines for adherence to guidelines around CONC, Consumer Credit Act and TCF Principles for which the Bank had been severely sanctioned.
• In an advisory capacity, ensured that the new management of the organization post it's ''rescue'' had a fit for purpose Governance structure.
• Above included appropriate controls by revision of the Charters of the Board of Directors including new NEDs, Exco, Audit Committee, Risk Committee, Credit Committee
• Review and redesign of the institution's Credit Risk Management framework.
• Voting member of all Executive Committees during transition.
• Member of Audit Committee, Compliance Committee, Risk Committee, Acting Secretary in a voting capacity to the Board of Directors
• Assisting Chief Risk Officer on numerous PRA and FCA related projects, audits, examinations and delivery on appropriate remediations if applicable.
• Introduction of new ''fit for conduct guidelines for all the bank's business units.
Management, Risk Management, It, Compliance, Audit, Revision, Audit, Regulatory, Redesign, Framework, Formulation
2010 - 2014
job
Credit risk assurance and Compliance manager
Cattles Plc.
Compliance, Manager
2008 - 2008
job
Asset and Portfolio Manager (Vice President)
FULLERTON COMMUNITY BANK.
Managed at a macro level the bank's $800MM+ loan portfolio
Manager, President
2005 - 2008
job
Credit Risk Review Manager (Vice President) for Bank
BNP PARIBAS USA.
of the West subsidiary of BNP Paribas.
• Analysis and review of the bank's portfolio of over $100 billion in assets
• Liaised with external auditors and regulatory examiners during regulatory audits
• Analysis and review of the bank's portfolio of over $100 billion in assets
• Liaised with external auditors and regulatory examiners during regulatory audits
Regulatory, Manager, President
1990 - 2005
freelance
Independent Management Consultant
Deloitte LLP San Francisco/ THE EMERALD CONSULTANCY.
Clients included: CIBC, Wells Fargo Bank NA, Societe Generale, Standard Chartered Bank PLC, Abbey National PLC (now Santander), Union Bank of California, Provident Funding, Central Trustees Savings Bank PLC, Fidelity Federal Bank, City of Sunnyvale CA, City of Santa Cruz CA, City of Mountain View CA, City of Newport Beach CA
Management, PLC, Management Consultant
1987 - 1990
job
Chief Risk Officer
UBS INVESTMENT BANK.
(Formerly Phillips & Drew Securities Group)
• Successfully established Counterparty Risk function from first principles - the Bank suffered minimal losses in the Stock Market crash of 1987
• Led a team of up to ten
• Built a ''fit for purpose'' Compliance Program to satisfy the requirements of Financial Deregulation in the UK, discussed in detail above.
• Managed smooth integration of the function into the UBS Group Risk Management
• Provided internal consulting function to other regulatory and credit risk groups within UBS
• Successfully established Counterparty Risk function from first principles - the Bank suffered minimal losses in the Stock Market crash of 1987
• Led a team of up to ten
• Built a ''fit for purpose'' Compliance Program to satisfy the requirements of Financial Deregulation in the UK, discussed in detail above.
• Managed smooth integration of the function into the UBS Group Risk Management
• Provided internal consulting function to other regulatory and credit risk groups within UBS
Consulting, Integration, Management, Risk Management, Compliance, Detail, Regulatory, UP, LED
1984 - 1987
job
Chief Analyst, Credit and Transaction Management
BANK OF AMERICA /SECURITY PACIFIC NATIONAL BANK.
• Pre-approved all commercial and trading floor transactions for submission to Executive Management and Committees.
• Managed distressed assets portfolio.
• Managed trading floor credit exposure.
• Managed distressed assets portfolio.
• Managed trading floor credit exposure.
Management, Analyst
1981 - 1984
job
Credit Analyst
MELLON BANK NA.
Formal credit training with this 'AAA' institution.
Training, Analyst
My education
QUEEN MARY COLLEGE
BSc, Economics
BSc, Economics
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