The LSB team
Meet our team
Our team offers a long and successful track record in the lending industry and across a variety of related sectors
We have a wealth of specialist skills and experience at the LSB, enabling us to provide useful insight and add value to our Firms and the wider industry.
Read more about the LSB team by selecting each staff member’s profile.
Head of Compliance
Liz has worked for the LSB and its predecessor the Banking Code Standards Board since 2001. Her main responsibilities include the oversight of firms and their adherence to the Standards of Lending Practice whilst promoting areas of good practice. She has been leading on the project to accept debt collection and debt purchase firms as associate subscribers. Her career began with Alliance & Leicester, where she worked for 13 years undertaking a variety of roles including mortgage advising and financial planning as well as assisting in the day to day running of a branch office. From here Liz went to work for PriceWaterhouse Coopers as part of a monitoring team undertaking reviews of Mortgage Brokers to assess compliance with the Mortgage Code.
Senior Manager – Risk, Communication and Development
Simone joined the Lending Standards Board as a Compliance Manager in May 2014 to support the organisation in delivering its compliance oversight programme. In her new role as Senior Manager – Risk, Communication and Development, Simone will focus on enhancing and overseeing the LSB’s risk management and internal control frameworks, managing our communications strategy and the ongoing development and implementation of new systems and methodologies, which are integral to the organisation’s new strategy following the launch of the Standards of Lending Practice. Simone started her 14-year career in financial services working for Lloyds Banking Group where she held a number of risk management and compliance roles over a period of seven years. After taking up a flagship branch manager role at Santander UK, she continued to focus her expertise in the risk management field and worked as a risk manager for AEGON Direct Marketing Services plc and then Nationwide Building Society, in their Treasury function.
Lead Manager, Insight and Support Services
Anna joined the LSB in October 2016 as Lead Manager for Insight and Support Services, a new offering from the LSB and manages a portfolio of firms monitoring adherence to the Standards and providing good practice advice and guidance. As a compliance professional with experience in financial services, debt recovery and legal services working to FCA, SRA, LSB, AML, OFCOM and DPA guidelines Anna assists firms meet the standards and achieve fair outcomes.
Anna gained compliance and risk experience over 7 years at HSBC in insurance, early arrears and collections both internally and through the assessment of conduct risk for an outsource panel. Using her knowledge of the regulations and guidance Anna has assisted firms to implement customer centric solutions through the provision of best practice ideas. As Head of Risk and Compliance and Deputy Money Laundering Reporting Officer, for Wright Hassall LLP, Anna had responsibility for the firm’s compliance under the dual regulation of the FCA and Solicitors Regulation Authority (SRA). Anna has implemented training platforms focused on practical application and interpretation of the regulations, re-shaped and built compliance frameworks and governance structures.
Through practitioner support Anna can offer a range of flexible, pragmatic and informal methods of support and guidance to firms on how to meet the standards. Anna also conducts benchmarking exercises and exploratory work focused on comparing different methods of compliance. Anna facilitates specific topic focused workshops and call calibration sessions for firms and their employees to suit the attendees.
Head of Policy and Legal
Laura is the LSB’s Head of Policy and Legal and has most recently been involved in overseeing the development of Standards of Lending Practice. Prior to joining the LSB, Laura was based within the consumer credit group at the Office of Fair Trading gaining experience of regulation across a number of areas including debt collection, secured and unsecured lending.
Saima joined the LSB in 2014 as Compliance Manager. Her main responsibilities are to deliver against the LSB’s oversight model, supporting firms in the implementation of the new Standards of Lending Practice and to achieve fair customer outcomes on an ongoing basis. This also involves identifying areas where the SLP and guidance can be developed to address emerging and systemic risks and deliver good practice. One such area Saima has been leading on is consumer vulnerability which has resulted in the inclusion of a new set of Standards on vulnerability along with supporting guidance. Prior to joining the LSB, Saima worked in a compliance oversight role for Nationwide Building Society, with responsibility for monitoring against all elements of conduct risk, including consumer credit. This involved overseeing the society’s programme of transition from the Office of Fair Trading to the Financial Conduct Authority. Saima also has a degree in Law and has successfully completed the International Compliance Association’s Diploma in Compliance.
Shada joined the LSB in May 2012 as a Compliance Manager. Shada has responsibility for monitoring compliance with the Standards across registered firms through ongoing relationship management and review activity, in order to provide the LSB Executive and Board with an appropriate level of assurance. Shada also undertakes development research, such as the recent Preventing Customers Falling into Financial Difficulty work, to identify areas of best practice and make recommendations, where relevant, to strengthen the Standards and supporting guidance. Shada also manages relationships with a portfolio of firms, providing advice and guidance. Prior to joining the LSB Shada worked for the Bank of Ireland as the Senior Compliance Officer within the second line compliance team, providing support to the operational compliance needs of the business.
Harry joined the LSB in July 2017 as a Compliance Manager. In this role, Harry ensures that Registered Firms adhere to the Standards through compliance monitoring and relationship management activities. Harry also manages the LSB’s supervision of the Credit Card Market Study. Harry joined the LSB from US fintech lender AvantCredit, where he managed conduct risk and complaint matters for the UK business. Before that, Harry worked as a regulatory consultant for KPMG. This involved working on FCA Section 166 reviews and advising businesses on regulatory change and implementing best practice. Harry started his career at the Financial Ombudsman Service as a policy adviser for the consumer credit sector. He is a graduate of Goldsmiths, University of London and holds the diploma in Retail Banking Conduct of Business from the London Institute of Banking and Finance. He is a member of both the LIBF and the Chartered Institute of Securities and Investment.
Vithuran joined the LSB in 2017 as a Compliance Manager. Vithuran’s responsibilities include delivering against the LSB’s oversight model, and ensuring that registered firms adhere to the Standards, through compliance monitoring and relationship management. Prior to joining the LSB, Vithuran was a Senior Associate at the Financial Conduct Authority where he worked across both Authorisations and Supervision in the Consumer Credit and Retail Banking sectors. He has also been involved in the Regulator’s programme of Financial Crime and Anti-Money Laundering work within the Retail Banking sector. He worked closely with the Prudential Regulation Authority as well as various other industry and trade bodies during his time at the FCA. Vithuran also spent a number of years at the Financial Ombudsman Service as an Adjudicator, resolving complaints relating to banking, consumer credit, and medical insurance firms.
Compliance, Risk and Development Analyst
Jenny joined the Lending Standards Board in August 2016 as Compliance, Risk and Development Analyst, after graduating from Heythrop College, University of London with a BA (Hons) in Philosophy. Whilst at university, Jenny served as Academic Affairs Officer on the Heythrop Students’ Union, where she undertook a quality assurance role to ensure the college was adhering to policy and regulations. Jenny’s other roles whilst at university included News Editor for The Lion Newspaper, IT Assistant and Administrator for a charity.
Patricia joined the Lending Standards Board (LSB) in February 2015 as Operations Manager. Previously, Patricia served as Director of Operations for an international risk management consultancy bringing with her 15 years experience in the corporate world and prior to that worked in a number of government departments. Patricia manages the financial, HR, IT and facilities functions of the LSB.