Mark Scragg
Liverpool,Merseyside
Summary
Accomplished professional looking to transition into the football industry. Expertise in case-by-case analysis, investigation and interpretation and delivering accurate, comprehensive reports to deadlines. Well versed in interpretation and application of regulation and legislation with the ability to communicate impact in real terms to stakeholders. Skilled in stakeholder management and influencing negotiations. Committed to always delivering the highest standards with a proven track record of targets and objectives. A self-starter who thrives in highly pressurised and challenging working environments individually or as part of a team.
Overview
36
36
years of professional experience
2
2
years of post-secondary education
Work history
Senior Manager (Investment Management) Compliance & Risk
RATHBONES GROUP
02.2019 - 04.2025
- Responsibility for the complete design, build and delivery of the 2LoD Group Compliance Monitoring Framework, including construction of a new thematic review end to end process, resource planning, plan rationale, supporting templates and new compliance monitoring procedure manuals
- Built a Compliance Regulatory Risk Assessment (‘risk universe’) to drive the Compliance Monitoring Plan (CMP) with staggered implementation across all Rathbones Group entities (Investment Management, Investment Management International, Financial Planning, Asset Management)
- As Compliance SME advised Ops Risk team on the build of a Compliance Monitoring Workflow and Issues Tracking tool as part of a new Enterprise Risk Management tool (Camms)
- Rolled out delivery of the new frameworks across the Group Compliance Monitoring teams
- Ongoing responsibility for the review, planning and delivery of the annual CMP
Head of Compliance Monitoring
ADMIRAL INSURANCE
02.2018 - 12.2018
- Responsible for setting up and leading of a 2LoD Compliance Monitoring function including the design and build of the 2018 compliance monitoring plan and in liaison with the Group Risk function the design of a 2nd line Compliance Monitoring regulatory risk universe
- Responsible for ensuring Monitoring reviews were undertaken, delivered and reported in line with the plan and agreed timelines
- Led a key internal complaint handling process review, authoring final report and reporting findings direct to CEO and the FCA within agreed timescales
Senior Compliance, Monitoring & Assurance Manager
SAINSBURY’S BANK
06.2017 - 02.2018
- Responsible for providing 2nd line regulatory compliance support to a wide-ranging internal Business Transformation Programme within Argos Financial Services
- Responsible for providing compliance guidance and advice around governance framework, risk framework and systems and controls
- Independent assessment of action plans and delivered actions implemented to mitigate identified risks together with reviewing deliverables against policy requirements
- Part of a 3-man team tasked with the design of a 2LOD regulatory risk universe across the group
UK Head of Compliance Monitoring & Business Assurance
BUPA
01.2014 - 06.2017
- Reporting directly to the UK Chief Risk Officer.
- Responsible for the design, development and delivery of a regulatory, risk-based 2nd line Business Assurance & Compliance Monitoring (BACM) plan across the 5 Bupa UK businesses.
- Re-built the Bupa UK Compliance Monitoring function from scratch following a period of under investment, lack of development and absence of a Manager.
- Managed a team of 7 compliance monitoring professionals across 3 sites ensuring informed, accurate regulatory reviews were delivered in a timely manner with appropriate engagement with the business providing appropriate advice and guidance through interpretation and application of current regulations.
- Also responsible for oversight and delivery of the bi-annual Internal Controls & Risk Management Assessment for the UK which involved interviewing Bupa UK General Managers, assessing existing controls against a set of governance statements and providing assurance through testing of supporting evidence and measurement and tracking of action plans required to improve controls/mitigate risks.
- Experience of providing oversight, assurance and guidance relating to regulatory related RMP’s.
- Liaison and collaborative experience with external bodies in relation to S166’s.
- Managed a year on year increase in quality and quantity of reviews completed despite reduction in FTE.
Compliance Monitoring Officer
BUPA
04.2011 - 12.2013
- Part of the Group Risk & Compliance team with the responsibility for undertaking regulatory compliance monitoring reviews across Bupa UK, with specific emphasis on FCA, PRA and CQC regulations.
Consultant – Pensions Transfer Project Investigation
AVIVA
01.2011 - 03.2011
- Responsible for the review of historic sales of Personal Pension policies within the Aviva group investigating the nature of the sale (advised or execution only) and the type of ceding scheme.
- Once reviewed, each sale was rated for reporting purposes to the FSA with remediation advice given.
Compliance Monitoring Officer
DILIGENTA
10.2010 - 12.2010
- Part of the Compliance Monitoring team with responsibility for performing regulatory reviews of internal controls within the business, identifying potential regulatory risks and weaknesses.
- Reporting to the senior management team and making appropriate recommendations for remedial action.
- Reviews completed include Training & Competency, Complaint Handling and Third-Party Contracts.
Compliance Monitoring Officer
ROYAL LIVER ASSURANCE
06.2010 - 10.2010
- Responsible for undertaking a full Compliance assessment of Royal Liver’s Regulated Complaints processes and procedures with a view to identifying any weaknesses or regulatory risks within the process, reporting all findings to the board together with recommendations for improvement.
- Seconded to Dublin offices for 6 weeks to undertake legacy business review of Irish life, pension and investment advice provided by appointed representatives.
Compliance Consultant
UNISYS INSURANCE SERVICES LTD
01.2008 - 01.2010
- Part of the Compliance Project Support team responsible for providing regulatory guidance for all change projects.
- Responsible for compliance sign off of financial promotions and communications.
- Provided Compliance representation for TCF project ensuring FSA guidelines were adhered to.
- Supported the company MLRO to ensure delivery of the Anti-Money Laundering Plan.
Compliance Manager
ADVANTAGE HOME LOANS
01.2006 - 01.2008
- Company Overview: AHL were a subprime mortgage lender
- Responsible for advising and embedding a regulatory compliance culture amongst all staff across the business, reporting directly to the Board of Directors.
- Set up a robust regulatory complaints process for staff to follow including choosing and implementing a database to support the function and help to provide appropriate MI to identify any trends in complaints received with a view to reporting to the board and improving processes.
- AHL were a subprime mortgage lender
Manager – Mortgage Endowment Review
FRIENDS PROVIDENT
01.2004 - 01.2006
- Establishing and managing a satellite office for Friends Provident through Delta Compliance and providing full training to new contractors on all systems and products.
- Promoting a consistent approach to the management of customer mortgage complaints received and undertaking Quality Assurance checks for all staff within the team.
Case Handler – Mortgage Endowment Review & Free Standing AVC review
ROYAL & SUNALLIANCE
01.2001 - 01.2004
- Responsible for the thorough investigation of complaints received in relation to the mis-selling of interest only mortgage linked endowment policies with authority to reject or uphold complaints.
- Liaising extensively with customers to obtain and confirm information relevant to the complaint.
- Calculating the financial loss of upheld complaints through RU89 and offering appropriate compensation via augmentation or transfer.
- Later moved to the FSAVC team to manage an extensive caseload of up to 100 clients, focusing on ensuring legacy sales of FSAVC policies ensuring a fair and professional investigation and establishing that sales were compliant, identifying customer detriment and ensuring appropriate redress.
Fact Find Quality Control Assessor
ROYAL & SUNALLIANCE
01.1997 - 01.2000
- Playing a pivotal role in ensuring that all sales of life, pension and investment products concluded by the Royal & SunAlliance relationship team were fully compliant with internal and regulatory requirements.
- Assessing and verifying the quality and accuracy of all documentation, rejecting any sales deemed non-compliant and providing subsequent feedback to the adviser’s manager.
Financial Adviser
ROYAL LIVER ASSURANCE COMPANY
01.1996 - 01.1997
Personal Pensions Administrator
ROYAL LIFE INSURANCE
01.1989 - 01.1995
Education
BTEC - Business Studies
St Helens College
St. Helens 09.1987 - 05.1989
Skills
- Case by case analysis, investigation & interpretation
- Report writing and delivery to deadline
- Reporting and presenting to management and committees
- Regulatory risk assessments
- Risk based compliance monitoring
- Stakeholder management
- Compliance oversight
- Influencing and negotiating
- Spot-check auditing
- Risk methodology
- Risk frameworks
- Workload management
- Microsoft Office proficiency
Affiliations
- Watching football
- Playing football
- Avid reader
- Regular concert goer
- Everton in the Community (EitC) volunteer
Certifications & Licenses
Qualified FA Coach (1995),
UEFA Level 1 Qualification, studying towards UEFA Level 2,
FA Talent Identification (TIDL1), studying towards TIDL2,
MSc Football Business degree programme (Global Institute for Sport: Sept 25 intake, application pending),
Full Financial Planning Certificate (FPC 1, 2 & 3)
Timeline
Senior Manager (Investment Management) Compliance & Risk
RATHBONES GROUP
02.2019 - 04.2025
Head of Compliance Monitoring
ADMIRAL INSURANCE
02.2018 - 12.2018
Senior Compliance, Monitoring & Assurance Manager
SAINSBURY’S BANK
06.2017 - 02.2018
UK Head of Compliance Monitoring & Business Assurance
BUPA
01.2014 - 06.2017
Compliance Monitoring Officer
BUPA
04.2011 - 12.2013
Consultant – Pensions Transfer Project Investigation
AVIVA
01.2011 - 03.2011
Compliance Monitoring Officer
DILIGENTA
10.2010 - 12.2010
Compliance Monitoring Officer
ROYAL LIVER ASSURANCE
06.2010 - 10.2010
Compliance Consultant
UNISYS INSURANCE SERVICES LTD
01.2008 - 01.2010
Compliance Manager
ADVANTAGE HOME LOANS
01.2006 - 01.2008
Manager – Mortgage Endowment Review
FRIENDS PROVIDENT
01.2004 - 01.2006
Case Handler – Mortgage Endowment Review & Free Standing AVC review
ROYAL & SUNALLIANCE
01.2001 - 01.2004
Fact Find Quality Control Assessor
ROYAL & SUNALLIANCE
01.1997 - 01.2000
Financial Adviser
ROYAL LIVER ASSURANCE COMPANY
01.1996 - 01.1997
Personal Pensions Administrator
ROYAL LIFE INSURANCE
01.1989 - 01.1995
BTEC - Business Studies
St Helens College
09.1987 - 05.1989
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