The LSB team
Meet the 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.
Dave joined the Lending Standards Board (LSB) in July 2013 as Compliance Director and is now Chief Executive. Dave’s main responsibility is to set the compliance risk oversight strategy and ensure that this is delivered through an effective programme of assurance, insight, support and research work. Dave was instrumental in the initiative to enable debt collection agents and debt purchase firms to become registered firms and in the development of the Standards of Lending Practice for personal and business customers, where one of his key challenges was to re-design the oversight model to support this new piece of self-regulation. Prior to joining the LSB Dave spent 24 years working for Nationwide Building Society, where he held a number of senior positions in internal audit before becoming the Society’s Head of Compliance Review in 2010, responsible for all elements of reviewing conduct risk.
Deputy Chief Executive
Martin joined the LSB in 2018 as Deputy Chief Executive. Martin’s main responsibility is supporting the LSB’s Chief Executive in setting strategic direction as well as leading the LSB’s external affairs, research and insight programmes.
Previously Martin has held a variety of roles including Head of Partnerships at the Financial Conduct Authority where he created its consumer vulnerability and financial inclusion programmes, as well as its model for engaging with consumer and civil society organisations. Other organisations Martin has worked for include the Banking Standards Board, the National Consumer Council, the Big Lottery Fund and the American Association of Family and Consumer Sciences.
Head of Compliance
Liz joined the LSB in 2001, at this time known as the Banking Code Standards Board (BCSB). Liz is responsible for delivery of the compliance oversight programme to ensure firms adherence to the Standards of Lending Practice, whilst also promoting areas of good practice. Liz also has responsibility for the onboarding process of new firms and led on the project to accept debt collection and debt purchase firms.
Prior to joining the LSB Liz worked for Price Waterhouse Coopers undertaking reviews of Mortgage Brokers to assess compliance with the Mortgage Code. Before that Liz spent 13 years working for Alliance & Leicester where she held a variety of roles including mortgage advising and financial planning as well as assisting in the day to day running of a branch office.
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 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.
Shada Joined the LSB in May 2012 as a Compliance Manager and has responsibility for monitoring compliance with the Standards across registered firms through ongoing relationship management and review activity, providing advice and guidance as needed. Shada also undertakes development research, such as the preventing customers falling into financial difficulty work and developing the Standards for digital, to identify areas of best practice and make recommendations, where relevant, to strengthen the Standards and supporting guidance.
Prior to joining the LSB, Shada worked for the Bank of Ireland as the Senior Compliance Officer within the 2nd line compliance team, providing support to the operational compliance needs of the business.
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.
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 Standards of Lending Practice 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.
Simon joined the LSB as a Compliance Manager in April 2018 from Nationwide Building Society. Simon has responsibility for monitoring compliance with the Standards across registered firms.
At Nationwide, Simon worked in roles encompassing the Branch Network, Business Development, Internal Audit and Compliance Oversight. His most recent role was as a Compliance Oversight Manager with responsibility for managing the Banking, Insurance, Payments and Digital portfolio. Simon managed a team that was responsible for designing and delivering a risk-based thematic review plan that provided assurance that Nationwide met regulatory obligations and that fair customer outcomes were achieved. Simon was also responsible for managing relationships with key business contacts in the portfolio. Whilst working in Compliance Oversight, Simon gained the International Compliance Association’s ICA Diploma in Compliance and the Level 4 Diploma in Retail Banking Conduct of Business from the London Institute of Banking and Finance.
Head of Policy and Legal
Laura joined the LSB in 2012 and is the Head of Policy and Legal. Her role has overseen the move from the Lending Code to the Standards of Lending Practice and she has led on the subsequent development of separate Standards for personal and business customers and the supporting Information for Practitioners. She worked closely with UK Finance on the drafting of the CCMS information remedies. Laura has responsibility for interpreting and developing the Standards and providing advice to a range of stakeholders in the context of the broader regulatory landscape within which the LSB operates. Laura is also responsible for corporate governance issues.
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.
Senior Policy Analyst
Jenny joined the LSB in August 2016 and is Senior Policy Analyst. In this role, Jenny supports the management of the regulatory change process to ensure developments in regulation, policy and markets are assessed for impacts on the Standards of Lending Practice, and reviews of the Standards to ensure they develop to reflect current and emerging good practice. Jenny also undertakes research and drafts consultations and other industry facing requests.
Jenny joined the LSB 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.
Head of Insight and Support
Anna joined the LSB in 2016 offering firms a range of flexible, pragmatic and informal methods of support and guidance on meeting the standards through experience in financial services, debt recovery and legal services regulations and guidelines. Anna also conducts benchmarking exercises and exploratory work and facilitates calibration sessions for firms.
Prior to joining the LSB Anna was Head of Risk and Compliance and Deputy Money Laundering Reporting Officer for Wright Hassall LLP with responsibility for the firm’s compliance under the dual regulation of the FCA and SRA. Focussing on the practical application and interpretation of the regulations Anna implemented training platforms and re-shaped and built compliance frameworks and governance structures. Before that 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. Anna has assisted firms to implement customer centric solutions through the provision of best practice ideas.
Communications, Development and Operations Analyst
Ayelen joined the LSB in April 2018 as a Communications, Development and Operations Analyst, supporting the Deputy Chief Executive to deliver the LSB’s communication and stakeholder engagement strategies. Ayelen also works with the Operations Manager in the day to day running of the office as well as with the Compliance team, collating and analysing data including risk assessment reviews and research.
Prior joining the LSB, Ayelen worked as a researcher at several academic institutions, including King’s College London (KCL) and the National University of Ireland Galway (NUIG). Part of her previous roles, her responsibilities included management of research projects, organising events and raising the profile of her department by organising outreach activities. Ayelen has a bachelor in Chemical Engineering and a master in Materials Science and Technology from the University of Santiago de Compostela (Spain).
Patricia joined the LSB in 2015 as Operations Manager. As part of her role she is responsible for the day to day financial management of the LSB, this involves budget setting and negotiating service contracts. She is also responsible for all HR and Facilities matters and manages all outsourced services, including IT, making sure adequate systems are in place for the efficient and smooth running of all aspects of the LSB’s Operations. Patricia also supports the Chief Executive and LSB Board, including sub committees.
Prior to joining the LSB, Patricia worked for 15 years as Operations Manager at an international risk management consultancy. Whilst working Patricia has completed her AAT Diploma in Accounting and CIPD Foundation Diploma in HR.