SIMON BURRELL

Telephone: +353(0)87 6825248 Address: 14a Brookfield Terrace, Blackrock, County Dublin, e-mail: [email protected] web: www.simonburrellconsulting.co.uk

Simon has a wealth of business change experience gained across blue chip companies in banking, mortgage lending and wealth management sectors. He turns business problems into high quality operational & technical solutions.

PROFILE

➢ Comprehensive business analysis skills ➢ Domain expertise in financial services (mortgages, banking, wealth management) ➢ Strong verbal, written and presentational communication skills at all levels ➢ Significant team leadership and stakeholder management experience ➢ Clear commercial awareness combined with strong technical aptitude

SKILLS SUMMARY

Project Management Planning, RAID, reporting, risk/exception management, stakeholder engagement CBA, ToR, scoping, requirements gathering, “As Is” & “To Be” process mapping, Business Analysis functional design, TOM, workshop facilitation, presentations & proposals, UAT Systems Analysis Functional design, data modelling, data migration, logical/physical design, MI Leadership Line & team management, stakeholder management, reporting, communication Products Mortgage, secured loan, unsecured loan, current account, credit card, insurance FCA (EU MCD, MCOB, BSOCS, DISP, SYSC, BIPRU, GENPRU), ESIS KFI, Regulation TCF, CCA, AML/KYC, SoX, sanctions, PEPs, country prohibitions, LIBOR Banking Risk Credit scoring, lending policy, Basel 2, Liquidity 2, FTP, ALM, hedging, basis risk

CONTRACT & EMPLOYMENT SUMMARY

Company Brands Parent Period Until UBS Wealth Management UBS UBS Group 9+ yrs now Various Barclays Group 5 mth 2011 Various Barclays Group 10 mth 2010 Nationwide Nationwide, TMW, UCB Nationwide Group 18 mth 2010 Royal Various RBS Group 4 mth 2008 Advantage Home Loans Advantage Morgan Stanley 3 mth 2007 Capstone Mortgage Services SPML, Preferred, LMC Lehman Brothers 3 yr 2007 GE Consumer Finance Igroup, First National General Electric 1 yr 2004 Britannic Money Mortgage Trust, First Active Britannic Group 6 yr 2003 Chubb Insurance Co. Europe Chubb Insurance Chubb & Sons Inc 1 yr 1997 Frizzell Bank Limited Frizzell, Liverpool Victoria Liverpool Victoria 10 yr 1996 Midland Bank / Bass / BUPA 3 yr 1986

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UBS Wealth Management Nov 2011 to present (9+ year contract) Global private banking and wealth management group. Senior Business Analyst and Project Manager delivering multiple core regulatory and business projects: ➢ LIBOR Migration – scoping, analysis and delivery to migrate LIBOR cash products to Risk Free Rates - Contractual update, client mailing and migration of asset backed loans and client cash accounts - Equivalent for mortgage loans, incorporating rundown/transition of origination pipeline ➢ Commercial Mortgage Lending – delivery of system/process change for new commercial products ➢ Mortgage Regulatory Reporting – review of full mortgage regulatory reporting suite: - Provide consultation feedback, design, test and implement new BoE/PRA Buy to Let flow report - Automate PSD Mortgage Performance stock report, first introduced to meet MMR requirements - Review and remediate complex technical issues with core MLAR and PSD regulatory reports ➢ Non-Domicile Reforms – initiative to help investment clients segregate pre and post reform income ➢ EU Mortgage Credit Directive – project to achieve regulatory compliance: - Upgrade to latest version of eFirst Origin mortgage application processing system - Review FCA handbook to clarify the impact of EU MCD regulation and design compliant solutions - Conduct detailed redesign and implementation of ESIS format Mortgage Illustration ➢ Mortgage Market Review – project to achieve revised regulatory compliance to MMR requirements ➢ Mortgage process and product review – products, processes, documentation and operating model: - Review front to back mortgage solutions and products, to propose incremental improvements - Plan and implement system, process, product and structural changes over three phases

Barclays Bank Jun 2011 to Nov 2011 (5 month contract) Global retail and wholesale banking group. Senior Business Analyst supporting delivery of Barclays Group balance sheet modelling tool (QRM), to provide ALM, FTP and Liquidity forecasting: ➢ Define FTP and hedging process flows to transfer risk from business units to Group Treasury

Barclays Wealth Mar 2010 to Dec 2010 (10 month contract) Global wealth management group. Workstream Lead managing relationship between Barclays Group and Wealth Management teams, to implement market leading (dn:Director) sanctions, PEPs and prohibitions customer screening solution: ➢ Manage working relationship between Group, Wealth Management and vendor stakeholders ➢ Tailor functional design of data preparation, screening and alert workflow solutions for business needs

Nationwide Building Society Aug 2008 to Mar 2010 (18 month contract) UK’s largest building society, offering current accounts, savings, mortgages, loans and credit cards. Senior Business Analyst and Workstream Lead supporting delivery of regulatory projects: ➢ Tactical and Strategic Complaints Management – bespoke and tailored package software solutions: - Manage testing & deployment of tactical solution to fixed deadline with zero post-launch defects - Manage for solution roll out to 15,000 UK-wide users (10,000 training days and training simulator) ➢ Net Interest Income Modelling – package AML solution (SYSC, GENPRU, BIPRU, BSOCS): - Review potential regulatory material (PS09/16, 09/20, CP09/17 – liquidity, stress testing, risk) - Define scope and document “As Is” Net Interest Income / Interest Rate Risk solution

Royal Bank of Scotland Apr 2008 to Aug 2008 (4 month contract) Global retail and wholesale banking group. Business/Systems Analyst helping integrate ABN Amro into Basel 2 capital adequacy reporting/regime: ➢ Work with Group Credit Risk & IT to confirm requirements and define data feed solutions

Advantage Home Loans (Morgan Stanley) Oct 2007 to Dec 2007 (3 month contract) Specialist mortgage lender, offering prime, sub-prime, buy to let and shared ownership products. Consultant advising on decision automation to deliver on-line POS instant offer solution, including: ➢ Liaise with Credit/Project teams to redefine lending policy and identify business/system change

CV - Simon Burrell (full - nb) Page: 2 of 6 EMPLOYMENT HISTORY

SPML, Preferred, LMC (Lehman Brothers) 2004 to 2007 (3 years) Specialist mortgage and second charge lender operating through SPML, Preferred and LMC brands. Senior Business Analyst and Workstream Lead delivering projects to: ➢ Manage testing and deployment of online Key Facts Illustration (KFI) for FSA MCOB regulation ➢ Oversee design and delivery of online mortgage Decision in Principle (DIP) solution ➢ Support introduction of RUP and UML into change management teams (via external consultants) ➢ Manage vendor selection of POS/originations platform (directing Business, IT and Procurement) ➢ Design industry leading mortgage online instant offer solution (managing team of 2)

Igroup, First National (GE Consumer Finance) 2003 to 2004 (1 year) Specialist mortgage and second charge lender operating through igroup and First National brands. Project Lead and Senior Analyst, liaising with IT and business teams, delivering projects to: ➢ Launch Northern Irish mortgage products (origination / servicing – system & process changes) ➢ Refresh core igroup mortgage products (working with senior team and Product Development) ➢ Migrate First National brand new business processing onto igroup POS and origination systems

Mortgage Trust, First Active (Britannic Money) 1997 to 2003 (6 years) Mortgage lender, offering flexible, self-cert and BTL products via Mortgage Trust and First Active brands. Senior Business Analyst and Project Leader, managing teams delivering projects to: ➢ Implement ADDACS/AUDDIS direct debit interfaces ➢ Drive through combined technical and business initiatives to enable record lending targets (£1bn) ➢ Introduce credit scoring to automate mortgage lending decisions (online and back-office) ➢ Integrate products and accounts for two lenders to single servicing system (2000 man-days) ➢ Design sections of Britannic Money Internet CRM site (membership and interfaces to core systems) Project Delivery Manager, supervising team of 4, delivering 20 business initiatives (20-300 man-days): ➢ Achieve FSA compliance for complaints, approved persons and AML (DISP, APER, SYSC) ➢ Resolve third party system reconciliation issues (retrieving £200k of erroneous transactions) ➢ Automate decision making and application processing for further advance lending

Chubb Insurance Co. of Europe 1996 to 1997 (1 year) Pan-European insurance underwriter. Business Analyst, analysing requirements and designing insurance solutions for pan-European rollout.

Frizzell Bank (Liverpool Victoria) 1987 to 1996 (10 years) Centralised retail bank, specialising in lending and banking for affinity group retail customers. Systems Administrator and Business Analyst, maintaining systems and delivering projects to: ➢ Deploy a series of functional enhancements to core lending and banking systems ➢ Introduce credit scoring and develop PC based credit scoring and referral system (dBase/SQL) ➢ Migrate loan books onto new systems by designing and implementing data conversions ➢ Develop and maintain central MIS reporting suite using IBM Query/CL (managing team of 2) ➢ Extract marketing data and generate new business mailings to existing customers ➢ Provide third party administration service for Kleinwort Benson Private Bank high net worth clients

➢ Midland Bank 1985 to 1986 (2 years) UK retail branch based bank, now part of HSBC. Banking Clerk, performing cashiering, remittance and account opening activities for current accounts, credit cards, personal loans and secured lending across 3 x branches.

CV - Simon Burrell (full - nb) Page: 3 of 6 PROFESSIONAL QUALIFICATIONS, DEVELOPMENT & EDUCATION

Professional & Business Qualifications

GE approved training plan Six Sigma Green Belt certification 2003

Office of Government Commerce PRINCE2 practitioner accreditation 2003

Investment Admin. Qualification IMRO Regulatory Environment 2001

Introduction to Securities & Investment 2000

NEBSM NEBSM Supervisory Management Certificate 1994

Training & Development

Lehman approved training plan Project Management (Kepner Tregoe) 2006

FCSL in-project training and RUP & UML adoption – Object orientation; Software 2005 mentoring development best practices; Unified Process lifecycle; & UML & visual modelling; Business modelling; Use case 2006 modelling & realisation ; Requirements management

Rational professional training Introduction to Rational RequisitePro 2005

GE internal training Change Acceleration – Facilitating Change 2004

IBM professional training Introductory workshop in IBM Project 2000

IBM professional training SYNON Database Design & Design to Construction 1998

Education

9 ‘O’ levels & 3 ‘A’ levels Maths (A), Further Maths (B), Physics (D)

SOFTWARE SKILLS

Microsoft Office

Microsoft Visio

Microsoft Project

INTERESTS

Simon had a long history as a distance runner and multi-sport athlete, being fortunate enough to qualify to represent Team GB at age group duathlon and triathlon before retiring through injury. He remains a keen competitive cyclist.

Simon is also a regular traveller and enjoys experiencing cultures and foods from around the world.

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Simon has been fortunate enough to work with some key people in the residential mortgage and retail banking industries. Here is what some of them have been kind enough to say about that experience:

Janis Morgan – Verisim

Janis was Client Services Director at Verisim (a leading training simulation supplier) when Simon engaged Verisim to develop a high impact, high volume system training simulation solution for Nationwide

“Verisim often find themselves engaged by clients as the vehicle for providing a solution when the original plan is failing to deliver. This invariably means that timescales are severely constrained and stress levels are high. Simon was the perfect person to work with Verisim under just such conditions. His organisational abilities, coupled with his conscientious approach to his work, never left us in the dark about where the issues on the client side were. Simon’s wide business understanding and his knowledge of the priorities being juggled allowed him to work with Verisim to deliver the best solution possible. His pragmatic approach to resolving issues as they materialised was very refreshing, and indeed, both parties benefited greatly from this. I would go as far as saying that it was a pleasure to work with Simon on this project and hope that we will have the opportunity to work with him again one day!”

Chris Heather – Advantage Home Loans

Chris was Director of Projects at Advantage Home Loans (a wholly owned subsidiary of Morgan Stanley Bank Int Ltd) when Simon joined in a consultancy role, working with the Credit and Projects teams to construct an instant offer solution

"Simon greatly assisted Advantage with the development of its Instant Offer solution, and quickly demonstrated not just a strong understanding of the technical and project requirements, but as importantly an appreciation of the personalities involved across the wider business team. This enabled him to bring people at all levels on board with some highly complex concepts, whilst challenging existing thinking in a manner that also helped to develop the team. I have been delighted with the support that Simon has shown to me and the business, and would not hesitate to re-engage him or recommend him should a future opportunity arise."

Richard Wilson – Advantage Home Loans

Richard was Credit & Risk Director at Advantage Home Loans (a wholly owned subsidiary of Morgan Stanley Bank Int Ltd) when Simon joined in a consultancy role, working with the Credit and Projects teams to construct an instant offer solution

"From Simon's first meeting through to the last he added considerable value to the project. Simon challenged thinking and greatly assisted the team in moving from ideas to solutions quickly, based on his wider knowledge of software applications. Simon demonstrated a detailed understanding of the key elements of the lending solution being evaluated and ensured the team's theories on application were robustly scrutinised. Simon proved a real asset to the project team and key to the success of the deliverable. His interpersonal skills were excellent and he quickly established relationships with key members of the Credit function."

CV - Simon Burrell (full - nb) Page: 5 of 6 Nigel Ingram – Capstone Mortgage Services

Nigel was Director of Business Transformation at Capstone Mortgage Services (Lehman Mortgage Capital Division) when Simon managed the selection of a new origination system supplier and launched the programme to roll out the solution whilst combining three specialist lenders

"I was pleased to welcome Simon into my team while he was managing a thorough and well thought out supplier selection initiative. He showed significant initiative and commitment in a critical and complex programme of activity and I certainly appreciated his commitment to the cause Simon is clearly knowledgeable about the mortgage industry and can adapt into a series of roles to support the prevailing business need. This was demonstrated most recently in his management of a complex and comprehensive automated underwriting solution for first charge sub-prime lending. I am happy to recommend Simon to anyone looking for a top class secured lending expert."

Frank Eve – Frank Eve Consulting

Frank was asked by Lehman Brothers UK to provide an intermediary perspective in support of a solution shaping initiative, aimed at providing an industry leading origination solution for the company

"Simon managed a series of workshops with suppliers, project personnel and business experts with a view to arriving at a complete originations solution design. I found Simon to be a capable and well informed professional who could manage at a high level and contribute at a detailed level. I would be pleased to recommend his services."

Bill Cherry – Southern Pacific Mortgage Limited

Bill was Managing Director of SPML when Simon joined the team to roll out the broker-facing Electronic Trading Platform web-site

"Simon came in to project manage delivery of key aspects of our broker-facing web tools. From KFI through DIP to mortgage application submission, Simon proved that he could manage delivery of quality solutions to fixed deadlines, whilst at the same time helping SPML to take significant steps forward in the proposition we could provide the intermediary community."

Ken McGeachy – Britannic Money

Ken was Head of Application Development for Mortgage Trust when Simon implemented a series of business critical projects across origination and servicing platforms

"During the six years Simon worked for me he proved himself to be an extremely capable individual operating as both a Senior Project Manager and Senior Business Analyst. During this time he played a leading role in the merging of two mortgage lenders onto a single servicing platform and subsequently being responsible for the introduction of credit scoring and automated underwriting for both residential and commercial mortgages. The latter project resulted in significant business benefits including 80% increase in new business volumes being processed by a team that was reduced in size by 12% Simon is an extremely dedicated and resourceful individual who can apply himself to complex business problems and produce high quality solutions that incorporate both business and technology change. I would have no hesitation in recommending Simon or using his services again."

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