Ruth Horner

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Ruth Horner

Ruth Horner

Associate

Ruth has over 20 years’ experience in financial services gained at the Regulator, the Financial Ombudsman Service and from within the Industry.

Ruth joined Padda Consulting from the Financial Ombudsman Service, where she was an ombudsman specialising in general insurance complaints.

Ruth has also been responsible for the oversight of global whistleblowing investigations at a leading bank and has been a senior compliance adviser within AXA UK’s Group compliance function where she was responsible for FSA liaison and UK group compliance policies.  Ruth also worked specifically within AXA Insurance providing compliance advice on its interactions with customers at all stages of the customer journey. She also led projects on TCF, the transition from ICOB to ICOBS and the improvement of AXA Insurance’s systems and controls concerning its inducement agreements with intermediaries.

Ruth led a number of key thematic supervision projects whilst at the FSA on general insurance, pensions and mortgages. She was also involved in the supervision of regulated firms’ financial promotions and – as part of the FSA’s Risk Assessment Division – was responsible for identifying risks consumer behaviour could pose to regulated firms. Before this, Ruth was responsible for providing pensions review advice to firms and reporting industry progress with the review to HMT.