Vikki Davidson
Inverkeithing
Summary
Strategic Risk and Compliance Professional with expertise in Consumer Duty, Conduct Risk, Operational Risk and Regulatory Compliance. Led high performing teams to implement and embed Risk Management frameworks while strengthening risk culture and ensure adherence to regulatory standards and enhancing customer outcomes.
Overview
24
24
years of professional experience
Work history
Senior Risk Reporting & Governance Consultant
Diligenta
Edinburgh
03.2026 - 05.2026
- Lead and develop a high performing team who deliver Line 2 Enterprise Risk Reporting on risk exposure across Diligenta.
- Lead on developing Risk Culture Framework and identification of Risk Culture Measures to be reported quarterly to Enterprise Risk Committee and Board.
- Lead on maintaining and enhancing Enterprise Wide Risk Management framework and monitor business adherence.
- Ensuring internal governance reporting meets stakeholder expectations, clearly articulating risk trends and emerging issues.
- Lead on Line 2 Risk reporting for quarterly Board submission.
Head of Customer and Conduct Insight
Phoenix Group
Edinburgh
10.2024 - 12.2025
- Led and developed a high-performing team who delivered regulatory requirements and mitigated customer risk across Phoenix Group.
- Owned FCA Consumer Duty Annual Assessment, coordinating cross-functional inputs and ensuring robust evidence of compliance and customer outcome testing.
- Presented quarterly Customer Outcomes Monitoring results to NEDs and Phoenix Board.
- Led Customer Outcomes monitoring workstream, ensuring Consumer Duty obligations were met.
- Developed and embedded Phoenix Group’s Foreseeable Harm framework.
- Acted as Group Policy Implementation Manager for Customer Outcomes Policy.
- Oversaw Line 1 policy adherence for Customer Outcomes.
- Owned Customer Outcomes Solvency Capital Requirements.
- Planned and managed strategic activities and initiatives to ensure timely delivery.
Head of Savings and Retirement Conduct Risk and Governance
Phoenix Group
Edinburgh
01.2022 - 10.2024
- Performed risk business partner role across Standard Life business units.
- Led monthly internal risk and control reporting and managed escalations.
- Produced strategic briefing materials for the Standard Life CEO.
- Led Operational Resilience requirements across Chief Operations Office.
- Acted as deputy to the Chief Operations Officer.
- Led and developed a high-performing team delivering risk management and regulatory obligations.
- Responsible for Outsourcing oversight and reporting, managed internal and external escalations.
- Owned Line 1 oversight and embedding of the Customer Outcomes Policy.
- Strengthened governance and risk management through the Internal Control Framework.
- Responsible for Customer Outcomes SCR.
Senior Internal Auditor
Phoenix Group
Edinburgh
04.2021 - 01.2022
- Assisted in conducting audits of product and proposition agency commission and incentives.
- Supported digital customer experience review processes.
- Contributed to the production of mid-year risk opinions regarding conflicts of interest and regulatory compliance.
- Provided audit opinions related to regulatory compliance policy.
Data Protection Assurance Manager
Sainsbury’s Bank
Edinburgh
01.2020 - 01.2021
Conduct and Compliance Policy Manager
Sainsbury’s Bank
Edinburgh
01.2019 - 01.2020
Conduct and Compliance Monitoring Manager
Sainsbury’s Bank
Edinburgh
01.2018 - 01.2019
Policy and Compliance Manager (Secondment)
Sainsbury’s Bank
Edinburgh
01.2017 - 01.2018
Assistant Supplier Relationship Governance Manager
Sainsbury’s Bank
Edinburgh
01.2017 - 01.2017
Assistant Marketing Governance Manager
Sainsbury’s Bank
Edinburgh
01.2015 - 01.2017
Commercial Risk Executive
Tesco Bank
Edinburgh
01.2014 - 01.2015
Executive Analyst
Tesco Bank
Edinburgh
01.2013 - 01.2014
Customer Service Representative
Tesco Bank
Edinburgh
01.2012 - 01.2013
Collections and Recoveries
HBOS
Fife
01.2002 - 01.2012
Education
HNC - Travel and Tourism
Lauder College
DunfermlineHighers - English, Modern Studies, Secretarial
Dunfermline High School
Fife 7 Standard Grades -
Dunfermline High School
Fife Skills
- Regulatory compliance experience in PRIN, ICOBS, SM&CR, DISP, SYSC, Outsourcing and Operational Resilience, Solvency II, Consumer Duty and Conduct Risk
- Operational Risk Management
- Governance and Internal Control Frameworks
- Change Management Frameworks
- Audit and Assurance methodologies
- Policy Design, Implementation and Oversight
- Stakeholder engagement and influencing
- Facilitator and People Leader
Timeline
Senior Risk Reporting & Governance Consultant
Diligenta
03.2026 - 05.2026
Head of Customer and Conduct Insight
Phoenix Group
10.2024 - 12.2025
Head of Savings and Retirement Conduct Risk and Governance
Phoenix Group
01.2022 - 10.2024
Senior Internal Auditor
Phoenix Group
04.2021 - 01.2022
Data Protection Assurance Manager
Sainsbury’s Bank
01.2020 - 01.2021
Conduct and Compliance Policy Manager
Sainsbury’s Bank
01.2019 - 01.2020
Conduct and Compliance Monitoring Manager
Sainsbury’s Bank
01.2018 - 01.2019
Policy and Compliance Manager (Secondment)
Sainsbury’s Bank
01.2017 - 01.2018
Assistant Supplier Relationship Governance Manager
Sainsbury’s Bank
01.2017 - 01.2017
Assistant Marketing Governance Manager
Sainsbury’s Bank
01.2015 - 01.2017
Commercial Risk Executive
Tesco Bank
01.2014 - 01.2015
Executive Analyst
Tesco Bank
01.2013 - 01.2014
Customer Service Representative
Tesco Bank
01.2012 - 01.2013
Collections and Recoveries
HBOS
01.2002 - 01.2012
HNC - Travel and Tourism
Lauder College
Highers - English, Modern Studies, Secretarial
Dunfermline High School
7 Standard Grades -
Dunfermline High School