Panel Chair - Jonathan Rees, Lay Director, Personal Finance
Lewis, Chair, Financial Services Consumer Panel
- Jane Vass,
Head of Public Policy, AgeUK
Carl Pheasey, Head of Policy and Propositions, Money Advice
Michelle Cracknell, Chief Executive, The Pensions Advisory
Francis McGee, Director of External Affairs , StepChange Debt
- Nick Lord,
Ceri Stanaway, Head of Money and Travel Research and Content
Keith Richards, Chief Executive, The Personal Finance
Turner, President of The Personal Finance Society
Panel Chair - Jonathan Rees, Lay Director, Personal
Jonathan is a non executive Director focussing
on regulatory issues and promoting the consumer interest. He is
currently a lay Director of the Lending Standards Board ( which
provides regulation and standing setting for banks credit lending
to consumers), a Director of Ombudsman Services (a not-for-profit
company providing independent complaints resolution for consumers
in energy, telecommunications and retail sectors), the Employers
Network on Equality and Inclusion (the leading body promoting
equality best practice) as well as a Trustee of Citizens Advice (a
top 10 national charity providing advice for people needing help
and support) and the NACAB Pension Fund. Prior to this he worked in
the Civil Service for 35 years with a strong focus on strategy,
regulation, change management and partnership working. His last
role was as Director-General of the Government Equalities Office
from 2008 to 2013. In this period he saw through a major overhaul
of equalities legislation with the 2010 Equality Act, set up new
partnerships to promote equality in the workplace, and developed
the policy on same sex marriage.
After graduating in modern history from Jesus
College Oxford, Jonathan worked in over 10 Government Departments
both in Whitehall and overseas. Posts included three years in the
No 10 Policy Unit advising successive Prime Ministers on strategy,
seven years in Brussels dealing with European negotiations (both in
the European Commission and in the Foreign Office), spells in the
Home Office, Cabinet Office, BIS ( dealing with consumer and
competition policy) and the Health and Safety Executive.
He joined the Personal Finance Society Board as
Lay Director in April 2015
Sue Lewis, Chair, Financial Services Consumer
Sue chairs the Financial Services Consumer Panel. She is a
Trustee of StepChange, and of Young Enterprise. Sue is also a
Consumer Advocate member of the Chartered Insurance Institute
Professional Standards Board, a member of the Chartered Banker
Professional Standards Board and of the Fairbanking Assessment
Panel. Her EU and international work includes membership of the
European Commission's Financial Services User Group; and
consultancy advice on financial education, financial inclusion and
consumer protection regulation, working with a number of overseas
agencies including the OECD and Alliance for Financial
Sue spent most of her career as a senior civil servant, advising
Government Ministers on a range of policy issues including
financial services, early years, children and young people, and
Jane Vass, Head of Public Policy, AgeUK
Jane joined Age Concern England as Financial Services Policy
Adviser in 2006.
She was previously an independent consumer consultant and writer
specialising in financial services from the consumer viewpoint.
In this capacity she undertook research such as reports for the
National Consumer Council on equity release and on savings and
investments for low-income consumers.
She was a member of the Financial Services Consumer Panel from
1999 to 2003, and from 1983 to 1993 she worked for Consumers'
Carl Pheasey, Head of Policy and Propositions, Money
Carl has been Head of Policy at the Money Advice Service since
Prior to joining MAS, Carl held senior public policy roles with
British Airways and retail bank TSB.
Carl previously spent five years in HM Treasury advising
ministers on a range of microeconomic issues,
including utility regulation, water industry competition, and
radio spectrum auctions. As head of the Treasury's Major
Projects branch he was responsible for Crossrail funding and London
transport spending, and aviation and airports policy.
Carl was briefly a private secretary to Alistair Darling
before establishing a new body, Infrastructure UK inside the
Treasury, and moving to work on consumer financial services
policy as Head of Financial Capability.
Earlier in his career, Carl had a number of roles in local and
regional government, and in politics.
Michelle Cracknell, Chief Executive, The Pensions
Michelle Cracknell is Chief Executive of the Pensions Advisory
Service. She started her career as a financial at Advisory &
Brokerage Services Ltd. She stayed at the firm for 20 years
becoming a director and qualifying as an Actuary in 1997. Her work
involved giving advice to companies on their pension arrangement
and she also ran the self-administered pensions team that
administered SSAS and SIPPs. In 2007, she joined Skandia as the
Strategy Director and continued her interest in investment
platforms when she left and did 3 years as a consultant. She is a
regular commentator on pension matters in the media. Throughout her
career, her key desire has been to make pensions more accessible to
the employees through the provision of information.
Francis McGee, Director of External Affairs ,
StepChange Debt Charity
Francis joined the executive of StepChange Debt Charity in
January 2014. Francis has a career spanning over 20 years in
government, regulation and the financial services industry, most
recently as head of policy and external affairs at the Money Advice
Service. Before that, he was head of corporate affairs at
AEGON UK from July 2005 until January 2011. He led AEGON's work on
public policy issues, working with government, Parliament and the
FSA, including the government's pensions reform programme, FSA's
Retail Distribution Review, and financial capability issues,
particularly building on the success of Otto Thoresen's Generic
Advice Review for HM Treasury.
Before joining AEGON, Francis was head of regulation and
strategy at the Association of British Insurers.
Francis' early career was in the Treasury, but also included
spells at the Bank of England and the Personal Investment
Nick Lord, Independent Consultant
Nick has thirty years experience in money advice and continues
to spend around two days a week providing generic financial advice.
The remainder of his time is spent working for a range of not for
profit and commercial organisations, and government
departments. He is also a director of the Short Term Lending
Board, member of the FLA Lending Code Board and chairman of the
Lenderscompared Governance Board. Nick holds the Diploma in
Financial Planning and is a member of the PFS.
Ceri Stanaway, Head of Money and Travel Research and
Content Creation, Which?
Ceri joined the Which? Money team July 2011. Having
previously spent seven years as Which?'s telecoms and tech
investigations expert, she now heads up the team responsible for
researching and writing about consumer money matters, from bank
accounts to investments.
Throughout her time at Which?, Ceri's focus has been on
recommending highly performing providers, shining a light on poor
practice and investigating the things that matter to consumers when
it comes to how they borrow, spend and invest their hard-earned
money. Particular bugbears are the appalling quality of service
from some service providers and the need for fairness and
transparency in ever-changing markets.
Keith Richards, Chief Executive, The Personal Finance
Keith has over 30 years' experience within financial services
and has operated at a senior level throughout most of this time in
various roles, spanning both manufacturing and distribution.
He is actively engaged in the promotion of financial services
within the UK and is a respected industry commentator.
Keith has been actively engaged in the promotion of financial
services within the UK and has contributed to the boards of both
AIFA and AMI. He is Chairman of TISA Exco for Adviser protocol and
has represented the intermediary sector over many years on a number
of panels and strategic leadership forums, including sitting on the
Personal Finance Society RDR Qualification Committee. With an
established media profile, Keith is a visible figurehead within the
Intermediary sector and is regularly called upon for comment on UK
financial services matters both home and abroad.
Keith was appointed Chief Executive of the Personal Finance
Society in May 2013 bringing with him a wealth of experience to the
role, combining his intermediary background and extensive knowledge
and experience of the marketplace to ensure that the PFS remains
the professional body of choice.
Nick Turner, President of The Personal Finance
Mr Turner has more than 30 years' experience working in
financial services, having held a number of strategy, sales and
marketing-related roles at AXA Wealth. In 2013, he joined as sales
and agency director at NFU Mutual, where he oversees more than 100
financial advisers, 20 paraplanners and more than 600 general
insurance agents across the NFU Mutual network.
Mr Turner joined the Society's board in 2011 and previously held
the position of vice president. Over the last twelve years, Nick
has held several strategy, sales and marketing related roles,
including Sales Director for AXA Wealth and Head of Proposition for
Elevate, the award winning wrap platform, and MD Intermediary and
Partnerships in AXA Personal Lines (General Insurance).
Nick is currently the Sales and Agency Director for the NFU
Mutual based in Stratford upon Avon, responsible for over 130
financial advisers and over 600 general insurance agents. Nick was
elected to the PFS board in September 2011 becoming Vice President
in September 2015.
10 April 2017