150 years of experience. One clear focus.

With over 14 years in senior compliance roles, Suneeta has worked with global brokers, insurers and Lloyd’s businesses including Howden, XL Catlin, Lloyd’s, Direct Line Group, CFC and Sompo. She has led major regulatory change programmes, supported board level governance and helped firms deal with increasingly complex regulatory expectations, including SMCR, Consumer Duty, operational resilience and Non Financial Misconduct.

Her reputation is built on making regulation understandable, practical and workable for businesses.

Through Padda Consulting, Suneeta and her team support insurers, MGAs and brokers with compliance that works in the real world. The firm is known for cutting through complexity, giving clear advice and helping senior leaders make confident decisions in high pressure and highly regulated environments.

In 2023 and 2024, Padda Consulting worked alongside LIIBA, the LMA and the IUA on a cross market Non Financial Misconduct workshop series, helping firms better understand culture, accountability and conduct risk following increased FCA scrutiny in this area.

Suneeta was named one of Insurance Business UK’s Elite Women in 2023 and was Highly Commended for London Market Professional of the Year in 2024. Padda Consulting also received the London Market People Award for Outstanding Contribution to Legal and Compliance.

Alongside her client work, Suneeta is a strong advocate for leadership, diversity and inclusion across the insurance industry. She has served on the Advisory Board of Race Action Through Leadership (RATL) since 2020 and continues to mentor emerging talent entering the market.

Known for her pragmatic approach and direct style, Suneeta works closely with firms to strengthen culture, improve accountability and build compliance frameworks that work in practice.

Since joining Padda Consulting as an associate, Stuart has undertaken a variety of operational and strategic compliance and risk management roles and projects. These include interim senior compliance positions within and outside the Lloyd’s market at insurers, MGAs, and brokers. Notably, he has served as an interim Chief Risk and Compliance Officer (CRCO) for a Lloyd’s syndicate. Stuart’s expertise encompasses corporate governance reviews, SMCR reviews and training for senior leaders, interpreting and implementing FCA and PRA rules, and addressing post-Brexit insurance rules and organisational arrangements.

Stuart is Padda Consulting’s subject matter expert in Data Protection, with extensive experience where he has also served as a Data Protection Officer for multiple organisations. His capabilities extend to international regulatory compliance, the Lloyd’s Principles for Doing Business attestations, Consumer Duty requirements, and developing compliance frameworks for global operations. He has also supported businesses with strategic challenges such as reverse-branch setups and navigating evolving regulatory landscapes.

Known for his ability to bridge the gap between regulatory requirements and business strategy, Stuart combines his deep knowledge and practical insights to help organisations enhance governance, achieve regulatory compliance, and maintain operational resilience. His comprehensive approach makes him a trusted advisor in the insurance sector.

In 2001, Colette joined AXA UK as a Senior Compliance Manager, where she played a key role in implementing the FSA’s regulatory framework across AXA’s UK Insurance division. She later advanced to Head of Operational Risk before leading the UK regional Compliance function for AXA UK Group, during which time she qualified as a Solicitor. While at AXA, Colette also earned a master’s degree in financial Regulation and Compliance Management.

Since joining Padda Consulting, Colette has led numerous strategic Governance, Risk, and Compliance initiatives across the Lloyd’s market and the broader insurance sector. Her work has spanned a wide range of activities, including supporting firms with the implementation of SMCR and associated Conduct Rules, conducting Corporate Governance and Board Effectiveness reviews, assisting with Consumer Duty compliance, and advising on new firm regulatory authorisations. She has also performed general risk and compliance reviews, delivered training on various regulatory topics, and led firm-wide reviews of culture, behaviours, and non-financial misconduct.

In addition, Colette has spearheaded projects to advance Diversity, Equality & Inclusion and has supported firms with culture reviews. Known for her pragmatic and commercially focused approach, she tailors her advice to the specific needs of each client, ensuring that regulatory compliance is seamlessly integrated into the core of business strategy.

As a consultant, Gary has supported a wide range of clients with their compliance needs. His work has included preparing firms for FCA and Prudential Regulation Authority (PRA) visits, guiding them through regulatory changes such as the Consumer Duty and the Senior Managers & Certification Regime (SMCR), improving product governance, and drafting policies and procedures. He has also helped firms with regulatory applications, including direct authorisations, SMCR submissions, and Lloyd’s applications, and has carried out assurance reviews and taken on interim Head of Compliance roles.

More recently, Gary has been working with Ever Comply to create compliance automation solutions for regulated insurance intermediaries. This work focuses on developing practical tools and automated frameworks that make compliance processes more efficient and help firms demonstrate how they meet regulatory expectations. Alongside this, he continues to support several firms on an ongoing basis to help them meet FCA requirements and strengthen their governance and compliance arrangements.

Gary’s experience across both the Lloyd’s and Company markets, combined with his strong technical knowledge, enables him to deliver clear, practical compliance support that helps firms operate to high regulatory and governance standards.

Throughout his career, Pete has undertaken significant projects, including developing Consumer Duty frameworks, Lloyd’s reporting requirements, and Product Governance frameworks. He has also served in interim compliance manager roles within the London Market, overseeing the implementation of FCA policy statements and regulatory changes, such as the requirements for Multiple Occupancy Building Insurance. In these roles, Pete has provided strategic oversight and ensured compliance with evolving regulatory expectations.

Pete has assessed control frameworks for various Managing Agents, focusing on conduct risks such as conflicts of interest, financial crime, and claims management. His expertise extends to conducting top-down reviews of internal governance and control frameworks for Syndicates, delivering actionable insights to enhance regulatory compliance. Additionally, he has worked closely with insurance distributors, advising on their internal policies and controls to prepare them for regulatory authorisation applications.

Comfortable engaging with all levels of a business, Pete has demonstrated exceptional communication skills, often working directly with senior management and boards. He excels at delivering complex or challenging messages, ensuring firms understand their regulatory obligations while offering practical solutions and clear next steps. Pete has also delivered training sessions within the London Market on major regulatory conduct initiatives, such as the Consumer Duty, helping firms understand the implications of these changes and embrace them effectively.

Committed to continuous learning, Pete has earned qualifications in Insurance, Savings and Pensions, and Mortgages, as well as the International Compliance Association Diploma in Governance, Risk, and Compliance. His dedication to professional growth and his depth of expertise enables him to provide comprehensive compliance support and guidance across a range of sectors.

In 2011, Raj was appointed Head of Compliance, where he developed a proactive Compliance function, including establishing a new Financial Crime & Information Security team. He successfully prepared the firm for regulatory interactions, submissions, and reviews, covering areas such as Conflicts of Interest, Conduct, Prudential requirements, and Firm Evaluation Reviews. Raj also conducted internal Governance and Effectiveness reviews and spearheaded major regulatory change projects, including the IDD, SM&CR, Competition, and Retail Distribution. Additionally, he led Compliance workstreams for several high-profile acquisitions, including the successful submission of Change in Control applications.

Since joining Padda Consulting, Raj has undertaken a variety of roles, including providing oversight and challenge to global whistleblowing investigations. He has also worked with insurers, Lloyd’s managing agents, coverholders and insurance intermediaries, delivering a wide range of regulatory advisory and assurance services. His work has included Compliance Monitoring Reviews, Financial Crime assessments, and reviews of Appointed Representatives, Complaints, Whistleblowing frameworks, Product Governance, Outsourcing arrangements, and Conflicts of Interest frameworks. Raj has also supported firms in preparing for FCA, PRA, and Lloyd’s reviews and regulatory interactions.

Over the following years, he gained experience across various business areas, including London Market operations, corporate/commercial lines, and personal lines. In 2013, Adam joined Integro, where he advanced to senior leadership positions such as Risk & Compliance Director and Chief Risk Officer within Ardonagh, before returning to Integro (later Tysers) to oversee a significant acquisition.

Adam’s technical expertise includes financial crime remediation, SMCR, governance reviews, acquisition and integration oversight, conduct risk, and enterprise risk management. He has also worked with insurers on s166 remediation projects and has supported Lloyd’s Managing Agents in preparing Principles for Doing Business with Lloyd’s attestations. Additionally, Adam has significant experience in addressing financial crime and sanctions compliance, ensuring robust frameworks to meet regulatory expectations.

In addition to his technical strengths, Adam has successfully built and led effective Risk and Compliance teams multiple times throughout his career. He believes that strong people skills are fundamental to fostering productive relationships with stakeholders and driving successful outcomes.

As a consultant, Adam has worked with a wide range of clients, providing compliance and financial crime support, conducting policy reviews, assisting with regulatory applications, and offering audit guidance. His ability to interpret complex regulatory issues and translate them into practical policies, procedures, and compliance frameworks has been instrumental in helping firms at all levels of their operations. Adam’s approachable style and collaborative approach ensure that he can work effectively with colleagues and stakeholders across all levels of an organisation.

Following her tenure at the FSA, Ruth served as a senior compliance adviser at AXA UK’s Group Compliance function. Her responsibilities included FSA liaison, Board and Committee reporting, development of UK group compliance policies, ensuring effective customer communications, and providing compliance advice throughout the customer journey. She led key projects on Treating Customers Fairly (TCF), the transition from ICOB to ICOBS, identification and management of Conflicts of Interest, Training and Competency (T&C), and enhancement of intermediary inducement systems and controls.

Ruth then oversaw global whistleblowing investigations, ensuring adherence to regulatory standards and fostering a culture of transparency and accountability. Subsequently, at the Financial Ombudsman Service, she specialised in insurance complaints, resolving complex cases and providing expert guidance on regulatory and consumer issues.

Since joining Padda Consulting, Ruth has led reviews of clients’ Financial Crime systems and controls for both Lloyd’s and FCA-regulated entities. She has conducted Financial Crime Risk Assessments, undertaken coverholder audits on behalf of insurers, and carried out compliance gap analyses. Ruth has also supported firms with the implementation of the Consumer Duty, led complaints reviews, and prepared Appointed Representatives for direct FCA authorisation.

With her extensive experience across regulatory bodies, complaint resolution, and compliance advisory roles, Ruth brings a deep understanding of the regulatory landscape and practical insights into achieving compliance excellence. She is known for delivering tailored, pragmatic solutions to effectively meet her clients’ needs

Throughout her career, Nicky has worked with multiple syndicates within the Lloyd’s market, where she has provided strategic guidance on S166 reviews, audits, compliance monitoring, and the implementation of regulatory changes. Her extensive experience spans operational management, product and policy development, and governance frameworks, with a particular focus on conduct risk and oversight across the delegated authority spectrum.

Nicky began her insurance career in call centre management, overseeing the sales and administration of personal lines insurance with Marsh Affinity. She subsequently transitioned into the Lloyd’s market, where she was appointed to lead compliance functions and served as the Data Protection Officer.

In 2015, Nicky was appointed Conduct Manager, where she played a key role in onboarding and developing the retail governance framework for a syndicate that had traditionally focused on business-to-business operations. This period coincided with the launch of the conduct risk framework by Lloyd’s, and under her leadership, the syndicate achieved a green rating in this newly regulated area.

Nicky later moved to a larger syndicate, where she led an internal conduct governance review and established the conduct risk and complaints teams. She developed and implemented comprehensive policies, controls, and governance frameworks across the delegated authority spectrum, including the successful integration of the Insurance Distribution Directive (IDD).
In one of her most recent roles, Nicky was responsible for overseeing quality assurance, performance management, and control frameworks within the delegated authority area, with a focus on managing the oversight of a large loss portfolio transfer.

She subsequently returned to lead a Conduct Risk and Complaints Team, with a focus on Consumer Duty, product oversight, operational resilience and control governance to ensure ongoing compliance and operational efficiencies were met.

As a consultant, Neil has worked with numerous insurance and pension firms, including IFAs and Big 4 consultancies. His expertise spans both 1st and 2nd line assurance, encompassing customer outcome testing, deep-dive regulatory monitoring, risk-based assessments, and pension, investment, and consumer credit remediation reviews. Since joining Padda Consulting in 2019, Neil has brought his extensive experience in compliance and business assurance to support a diverse range of clients. At Padda, Neil has been instrumental in delivering KYC remediation reviews for insurance clients, conducting comprehensive file reviews and monitoring.

Neil’s strong understanding of the challenges and risks across financial services, combined with his ability to deliver clear and actionable compliance solutions, ensures his clients can confidently navigate today’s regulatory landscape.

In 2013, he joined Padda Consulting, where he has provided comprehensive compliance support across the insurance sector. His expertise encompasses financial crime screening, conduct risk management, regulatory returns, and complaints handling. Harvey contributed to the Future of Lloyd’s Strategy by focusing on the digitalisation of member and third-party capital onboarding due diligence. He also supports lead associate’s in research, policy, and process development, assisting complaints and conduct teams at insurers in managing increased workloads. Recently, Harvey has specialized in sanctions screening, collaborating with underwriting and claims teams to address sanctions queries and provide monthly management information. His proficiency extends to file reviews, monitoring, and complaints handling, with a particular emphasis on sanctions compliance, where he serves as a subject matter expert.

Ali played a key role in the implementation, transition, and adoption of PPL’s digital placing platform, overseeing all customer interactions and ensuring success through clear, consistent communications, marketing, and support. She has also delivered multiple complex projects and programs, including the Lloyd’s Control Framework for Tax and Regulatory Reporting, the implementation of Shared Services in Singapore, and LEAN change initiatives in Chicago and Italy. Throughout these endeavours, Ali has coached and mentored project teams and Relationship Managers, fostering growth and excellence within her teams.

Collaborating with senior stakeholders across the Lloyd’s and London Market, Ali consistently achieves challenging goals. Her expertise spans the full life cycle of change, from strategy and planning to project delivery and communications. Known for her ability to navigate complex environments and deliver results, Ali remains a trusted leader in the industry.

Kiran has primary responsibility for all HR and business management day-to-day activities ensuring the smooth running of Padda operations.

Clare’s career as a Company Secretary began in 1999 as a Company Secretarial Assistant for Alexander Forbes. From 2009 to September 2021, she served as a Company Secretary for StarStone (formerly Torus), advancing to International Company Secretary and Group Company Secretary in 2019.

Since joining Padda Consulting, Clare has built a growing Company Secretarial function that now supports several firms across the insurance sector. She serves as Company Secretary on multiple Boards and has recently assisted a client in restructuring their Company Secretarial framework.

Clare’s extensive experience and proactive approach make her a valuable asset to organisations seeking to enhance their corporate governance and compliance structures.