meet the team.

Adam is our Interim CEO & Chief Financial Officer and a highly qualified banking and financial services expert with over 25 years of experience in related roles and businesses. Adam leads our Finance and Operations teams, focusing his time on influencing and communicating our strategic performance, and implementing initiatives that increase the organisation’s efficient scalability.

Adam joined Cosegic in 2022 following four years at NorthRow, where he held the positions of Chief Finance Officer and Chief Executive Officer. Prior to this Adam also worked for Tandem Bank and The Royal Bank of Scotland, where he held Finance Director positions across the group for over 12 years.

In addition to his vast professional experience, Adam is also highly academically qualified, with BA, MA and Meng degrees from the University of Cambridge, and is a Fellow of the Institute of Chartered Accountants of England and Wales.

Outside of work Adam is a keen cyclist, having completed a number of famous events including the Nove Colli, the Marmotte, an ascent of the Col de Joux Plane and a stage of the Tour de Yorkshire… so far. He also plays bass guitar in a band, although not as regularly as he would like.

Nancy is a compliance leader with over twenty years of experience who combines hands-on regulatory expertise and commercial insight to help regulated firms build robust, practical compliance frameworks.

Nancy has worked in compliance for over twenty years. In 2013, she founded Portman Compliance, which she successfully ran until its acquisition by Cosegic in 2022.

Throughout her career, Nancy has worked with hundreds of regulated firms, including hedge funds, asset managers, fund of funds, broker-dealers, private equity firms, and property fund managers. She is a regular speaker at industry thought leadership events and frequently contributes to regulatory updates and commentary.

Earlier in her career, Nancy held senior positions, including Compliance Officer and Money Laundering Reporting Officer.

Martin joined the Board as Non-Executive Chairman in May 2024.

He has a successful track record of working with companies in the legal, financial, compliance, and risk management sectors. Martin is also Chairman at Tetra Consulting, Chairman at Adeptio Law Group and Strategic Advisor at TopSource. He is a Patron of the military charity Team Endeavour and a Member of the Board of Trustees at the National Emergencies Trust.

His previous roles include Chairman of AuditComply, Chairman of Independent Governance Group, Chairman of Information Exchange, CEO of Alcumus, Managing Director of Croner and Commercial Director of BSI British Standards.

Jo joined Cosegic in May 2023 and brings 24 years of HR experience in senior HR roles across retail, technology and Cyber Security service sectors. She has, during her career, supported the significant upscale of an SME business in the UK into international markets through acquisitions and organic growth, ensuring people continue to be at the heart of the agenda. Jo holds a BSc (hons) in Psychology and is accredited by the CIPD.

In her previous roles as Head of HR, Jo has helped organisations achieve The Sunday Times ‘Outstanding Employer’ status as well as winning awards for HR Excellence, Success Through People and ISO accreditations.

Jo’s team are responsible for driving our Cosegic people strategy to support our company objectives, along with our management team, to ensure Cosegic is a rewarding, inclusive and exciting place to work and thrive.

Outside of work, she is a proud mum and has a passion for art; enjoying painting classes and visiting galleries for her inspiration.

Ben is the Head of Client Delivery and leads the Consumer Finance & Insurance team. He specialises in the Consumer Credit, Mortgages and General Insurance sectors, providing daily compliance services and support to a wide range of clients. Ben is a core member of the team and can frequently be found supporting his colleagues with various projects and queries. He is also an active member of the APCC.

Ben joined Cosegic in September 2020 after spending over 12 years in a selection of compliance roles where he led, developed and managed teams of Compliance Officers. Prior to his compliance monitoring and management roles, Ben also spent some time as a mortgage & protection consultant, leading into his specialism within the sector.

In addition to his experience, Ben is also highly qualified with an ICA Certificate in Compliance, an Advanced Certificate in Mortgage Advice and Practice, a Certificate of Regulated General Insurance and a BSc in Hospitality Business Management from Sheffield Hallam University.

Outside of work Ben is a keen footballer, runner and cyclist, he also enjoys horse racing, especially when going to the races at Ascot with his family.

Paul is our Product Director and leads our go to market teams, including marketing, product and technology to ensure our services map directly to the needs of our clients.

Paul joined in 2025 following five years at Apex, working in various leadership roles focusing on developing regulatory compliance products to clients.

In addition to his professional experience, Paul also holds an M.Sc. in Finance, a Bachelor’s degree in Business Administration and is a CAIA charter holder.

Outside of work Paul enjoys reading, hiking, working out and cycling.

Nicholas is a senior leader and public policy maker, with over a decade of experience crafting UK’s payments and digital finance regulatory landscape. A recognised authority on payments and e-money, he has influenced the UK and EU rulebooks for PSD2, Open Banking and Strong Customer Authentication from policy design to industry implementation and regulatory supervision.

Jonathan is a Director of our Financial Resilience team, where he specialises in helping our clients to assess their regulatory capital and liquidity requirements; to implement IFPR including developing ICARAs and wind down plans; and to assist with their regulatory reporting obligations.

He joined Cosegic in 2021, having spent almost 14 years with the top 20 accountancy and consultancy firm, Buzzacott. He joined Buzzacott as an audit graduate, working his way to become an Associate Director in their FCA advisory and reporting team. Jonathan has extensive experience advising FCA regulated businesses that include hedge-fund managers, broker-dealers, private equity, asset management and investment advisory firms. Before working with Buzzacott Jonathan spent time in accounting and finance roles at Deloitte and Basildon Town Council.

As well as being an experienced compliance professional, Jonathan is also a qualified ACA chartered accountant and a fellow of the Institute of Chartered Accountants in England and Wales (ICAEW).

Outside of the office, Jonathan enjoys playing cricket and football. He also likes to travel and listen to music, playing the piano to a Grade 7 standard.

Kiran is our Head of Global Marketing with many years of experience working in the financial and fintech services. Prior to joining Cosegic, Kiran was Head of Marketing at HUB, a startup backed by PIMCO, Man Group, and Microsoft, which was acquired by OSTTRA, the global post-trade solutions provider, in May 2026. Before HUB, Kiran led EMEA marketing at SteelEye, a trade and communications surveillance platform, which merged with FundApps in November 2025.

Kiran also holds a BA in Graphic Design and Communications from Central Saint Martins.

Kieron has spent the past seven years immersed in the world of RegTech, building compliance technology at some of the world’s largest companies, such as Meta, where he established the EU privacy programme.

Kieron also led the development of privacy-first infrastructure at Trainline and witnessed the explosive scale-up of OneTrust.

Carwyn is a Managing Director and has been a compliance professional for 25 years. Carwyn has worked in both London and the Middle East in senior consulting roles and as a Banking Supervisor for the FSA.

Carwyn has a deep understanding of working with Investment Banks, broker-dealers and asset managers on regulatory compliance requirements and controls.

Outside of work, Carwyn enjoys playing guitar, listening to music and watching sport.

Colin leads FINTRAIL’s work supporting clients across the broader spectrum of risk and compliance beyond financial crime. He brings over 20 years of experience in the financial services sector, spanning roles in regulation, consultancy, and industry.

Before joining FINTRAIL, Colin held senior leadership positions, including as Head of Risk and Compliance for a pan-European FinTech, where he was the accountable executive for regulatory relationships and enterprise-wide compliance strategy. He also led regulatory consulting propositions for a global consultancy and previously worked as a regulator, giving him a deep understanding of supervisory expectations and regulatory engagement.

Colin has advised clients across the EMEA and APAC regions on designing, implementing, and enhancing risk and compliance frameworks that are proportionate, practical, and scalable. His experience covers the full regulatory lifecycle from authorisation applications and day-to-day supervision through to thematic reviews, s.165 information requests, skilled persons reviews, and enforcement actions.

At FINTRAIL, Colin works closely with clients to navigate complex regulatory environments and deliver sustainable outcomes that support long-term business goals.

Stefan is an Director within our Financial Resilience team. He specialises in providing technical support to our clients in respect to capital and liquidity requirements, assisting clients with their with financial and non-financial risk management, supporting firms with ICAAP, ICARA and Wind-down planning and providing ongoing support to firms requiring assistance with their prudential obligations.

Stefan joined Cosegic in 2022, following a period of rapid growth in the company and our Financial Resilience team. Before joining Cosegic, Stefan spent just over seven years with PwC as an Auditor and latterly, Senior Manager in the Investment Management Regulatory Team. In addition to his experience, Stefan is also a qualified ACA chartered accountant and fellow of the Institute of Chartered Accountants in England and Wales (ICAEW). He also has an MA in Archaeology and Anthropology from the University of Cambridge.

In his spare time, Stefan enjoys kickboxing as a second-degree blackbelt and candle making.

Jennifer is Head of the Associate Academy Hub at Cosegic. She has significant experience in advising clients and conducting assurance reviews on a variety of topics including governance frameworks, compliance effectiveness, conflicts of interest, systems and controls, and authorisation applications. She has also supported clients in implementing key regulatory changes, including SMCR and Consumer Duty.

Jennifer has been a consultant for three years, having previously worked for the Financial Conduct Authority in the Approved Persons Interview Team assessing individuals who applied to take on senior roles at regulated firms, including interviewing those individuals. She also worked in the New Banks and Insurance Authorisation Team, where she assessed and authorised new regulated firms.

Jennifer started her financial services career with a retail bank, where she worked in a variety of first and second line roles including providing compliance support to the bank’s branch network, assessing loan and mortgage applications for personal and business customers and managing the bank’s complaints function. She also acted as the bank’s liaison officer with the Financial Ombudsman Service.

Daniel, a Director within our Investments Division, joined the firm in December 2023 and is an experienced compliance professional with over 10 years’ experience working in the financial services industry. Daniel supports the Firm’s Investment Firms clients in a number of different ways, namely authorisation / registrations, ad-hoc regulatory advice, undertaking compliance monitoring reviews and delivering regulatory training.

Prior to joining Cosegic, Daniel worked as a Principal in Promontory Financial Group’s Wholesale Banking and Capital Markets practice where he supported clients on a number of key regulatory issues, specifically those related to market abuse, best execution and transaction reporting. Daniel also undertook several reviews that assessed the overall effectiveness of the firms’ Compliance governance and control frameworks and assisted firms in establishing, monitoring and executing large-scale remediation programmes following regulatory scrutiny.

Daniel also worked at KPMG in their Banking Authorisations Team where he supported non-EEA banking clients obtain authorisation from the FCA.

Joanna is an Associate Director within our Investments team. She offers practical support to help our clients manage their regulatory compliance obligations and assists them with their everyday compliance needs. Joanna specialises in providing AIFMD and UCITs compliance support to firms within the capital markets space and has a broad knowledge of regulation and compliance obtained from her experience as Chief Compliance Officer & MLRO at Ferox Capital LLP.

With over 11 years’ experience in compliance and middle office roles, Joanna is a well-rounded and knowledgeable compliance professional. During her time as CF10/11 at Ferox, she held a number of core responsibilities, most notably; leading through AIFMD, FATCA, MIFID & MIFID II, UCITS, ESMA, ERISA, and EMIR, developing and improving compliance monitoring processes, risk management procedures and controls, investment product knowledge particularly in regard to fixed income, equities and complex financial derivatives, and AML/Market Abuse/Financial Crime/KYC compliance requirements through process and procedure reviews.

Outside of work Joanna enjoys the outdoors, open water swimming, sailing, rugby, and horse riding.

Colin is an Associate Director within our Investment Firms team. He works with a number of clients mainly covering the Mortgage, Insurance, Corporate Finance, Wealth Management and CFD sectors. On a day to day basis, Colin supports his clients by helping them to meet their regulatory obligations and assists them with their questions, queries and projects.

Colin joined Cosegic as an Associate Consultant and Training Director in 2009 and spent nearly 10 years in the role before joining our Investment Firms team in 2018. Before joining Cosegic Colin worked at HBoS for 33 years during which time he held senior positions in the branch network and Training departments. During his last 15 years at HBoS Colin worked in Risk and Compliance where he held the positions of Regional Risk Manager and Manager of Risk and Compliance for Retail Telephony Sales.

In addition to his experience, Colin is also Associate Chartered Institute of Banking – Institute of Financial Services, Associate Chartered Securities Institute – CISI and he has a Diploma in Management Studies.

When he isn’t supporting his clients, Colin enjoys watching rugby union, gardening and reading up on history.

Tom is an Associate Director within our Investments Division, renowned for his extensive expertise in compliance. His contributions to the team are multifaceted, centring on navigating the complex terrain of UK and global regulatory frameworks. Tom’s advisory capacity extends to both UK and international firms, where he collaborates closely to tackle regulatory challenges in most areas of financial regulation.

Tom’s tenure includes significant roles at the Financial Conduct Authority, where he made impactful contributions in both the Enforcement and Market Oversight (EMO) and Authorisation Divisions. Notably, Tom’s work on high-profile cases such as the Barclays FX fine, the Deutsche Bank mirror trading investigation, and the KeyData “death” bonds litigation. As part of the MiFID II implementation team, he facilitated crucial collaborations across major FCA stakeholders, further showcasing his pivotal role in shaping regulatory standards.

Beyond financial regulation, Tom is a trained barrister, called to the bar at the Inner Temple in 2013. His legal acumen was honed through advocacy in Employment Tribunals for the Free Representation Unit, demonstrating a strong foundation in legal practice before his transition to financial regulation.

Outside the professional sphere. His passion for acting has led him to share the screen with the likes of Olivia Coleman in season 3 of “The Crown,” highlighting a creative side that complements his regulatory expertise. Additionally, Tom was a GB rowing trialist, but whose sporting are now more equine in nature on the polo field.

Gary is an Associate Director within our Investments Firms team and a core member of our Financial Resilience practice. He provides day to day compliance support to a range of clients across the investment sector, managing a variety of projects and providing specialist advice. Gary specialises in supporting Investment Management, Corporate Finance and Crowdfunding clients, helping them to maintain their compliance and meet their regulatory obligations.

Before joining Cosegic in 2011, Gary worked in a number of compliance roles, most notably, Compliance Director for a Financial Services Group that includes a Financial Advisory and Investment Management arm. While in this position, Gary held FCA controlled functions CF1, CF10 and CF11 (now SMF3, SMF16 and SMF17) and was responsible for all compliance matters within the group.

In addition to his extensive experience, Gary also holds a number of qualifications including a Diploma in Business and Finance and a Level 4 Diploma in Financial Planning from the Charted Insurance Institute (CII). Gary is also an active member of the Association of Professional Compliance Consultants (APCC) Investment Firms Prudential Regime (IFPR) working group.

Outside of work Gary has many sporting interests but has a special place in his heart for his football team, Arsenal, where he has been a season ticket holder for over 35 years.

Fran is a seasoned compliance professional with over eight years of experience in payments and e-money, spanning both first and second line of defence roles; she has held positions focused on complex investigations, regulatory advisory, oversight, and policy. Fran offers deep expertise in UK and EU regulatory frameworks, including PSD2, AMLDs, and the UK MLRs, with hands-on experience delivering large-scale remediation and transformation initiatives to streamline and automate compliance functions.

Most recently, Fran was the Global Head of Policy, where she led an international team to optimise compliance frameworks across 10 jurisdictions. She was responsible for developing and embedding organisation-wide policies covering financial crime and consumer protection regulations. Fran also holds two ICA qualifications, including a Diploma in Governance, Risk and Compliance.

Fran is passionate about working with clients to drive strategic compliance outcomes that benefit both customers and businesses.

John is one of the UK’s foremost compliance experts in payment services, and he is an Advisor to Cosegic.

Immediately before joining Cosegic, John was Senior Manager, Compliance Advisory, for Global Transaction Banking at Lloyds Bank where he also acted as subject matter expert on payments. Prior to that he was the FSA’s Technical Specialist on Payments, dealing with the UK implementation of the Payment Services Directive and the 2nd E-Money Directive.

He was the first editor of the FSA’s PSR Approach Document and assisted with the development of PERG 15 in the Handbook, as well as assisting HM Treasury with the drafting of the UK legislation. At EU level he was a member of the European Commission’s Payments Committee, the ECB’s Forum on the Security of Retail Payments and the EBA’s Standing Committee on Consumer Protection and Financial Innovation.