Our skills tailored to your busines
Carefully selected to ensure an in depth multi-disciplinary background, our team have operated in-house as senior executives, consultants and trusted advisors for numerous financial services firms throughout the UK. This blend of hands-on executive management experience and client-focused service enables us to work proportionately and tailor our offer, bringing a fine-tuned and cost-effective approach to each individual firm. See our team biographies below for more detail on our specialisms and individual experience
Our team
Geoff Spencer
CEO
Geoff is CEO of Mutual Governance and has a long career in banking and insurance. He has held Chief Executive roles in insurance companies and has served as a non-exective director and as an interim director, in a range of companies.
His specialism in Mutual Governance lies in the strategic and operational interpretation of regulatory and market trends, which is based upon a detailed understanding of European and UK regulatory requirements. He is also one of our team who undertakes director and senior manager monitoring and board effectiveness reviews..
Clare Owen
Director- Regulatory
Clare specialises in developing processes and procedures to implement successful compliance practices in financial services firms.
Her extensive technical knowledge of operational compliance matters and regulatory requirements such as financial crime prevention and AML procedures, financial promotions and complaints handling is fundamental to this. Such processes and procedures must be embedded into daily business activity and Clare brings her considerable training and education skills to deliver courses to staff responsible for operational success.
At the more senior level Clare has experience of supporting firm’s Chairmen to run their CPD programmes for the non -executive directors they manage and to satisfy the regulatory requirements of the Senior Managers and Certification Regime.
Steve Johnson
Director- Operations
Stephen is an MBA Business Change professional, a Prince 2 qualified project manager, and has a background in Information technology infrastructure including managing cyber security and data security. He has extensive project management experience in global blue-chip companies as well as smaller enterprises.
He plays a major part in leading complex regulatory projects for us and is experienced in doing this within a wide range of insurance, credit union and retail banking firms
Carol Ritchie
Associate- Finance
Carol is a qualified Chartered Accountant and a member of the Chartered Institute of Taxation and has worked in CFO and Finance Director roles for large, medium and small financial service companies. Her experience also includes working on pre and post-merger friendly society integrations, interim director roles and troubleshooting projects including managing and developing finance teams through change.
Carol is a non-Executive Director of a Building Society where she chairs the Remuneration Committee and is also a member of Audit & Compliance, Assets & Liabilities and Retail Conduct Board Committees.