Curriculum Vitae

John Hackett

* *********** ****, *********, *** 6PA

Tel: 013*-***-****

Mobile: 078**-******

Email: acdwwz@r.postjobfree.com

Summary

A Senior Risk Manager of Board and Executive status, with extensive experience in front line and

back office roles within the financial services industry. A resilient self -starter and leader with

excellent communication and team building skills, is also renowned for the ability to manage in a

pragmatic and helpful manner. Works through major incidents, accesses, develops and

implements plans that address identified issues and mitigates unacceptable levels of risk quickly.

Has consistantly managed a number of projects simultaneously and has an excellent reputation for

delivering within agreed timescales and for handling conflicting priorities well. During a Career

that has spanned over 30 years, has worked closely with stakeholders at Board and Executive level

in both FTSE 100 and FTSE 250 companies.

Employment

Axcess Financial Europe

Axcess Financial Europe is Headquartered in Edinburgh and has a large financial services

Axcess

branch network of over 500 stores trading under the Cheques Centre, Cash Generators

Financial

and Loan Store brands.

Risk Director (Nov 13 – April 14)

Responsibilities Main Board level director with specific responsibilities for Risk and Anti

Money Laundering;

Liasion with the Regulators in all matters relating to Risk Management;

Provide overall strategy and leadership of the Axcess Financial Europe

Group Risk Function;

Design, develop, implement and maintain the Group Policy Framework;

Design, develop, implement and maintain a Risk Framework across

Axcess Financial Europe Group.

Key achievements Developed and implemented a fit for purpose Governance Framework for

the various Company Boards and supporting Committees;

Implemented a fit for purpose governance framework ahead of change in

regulatory responsibility from Office of Fair Trading to Financial Conduct

Authority;

Designed and implemented the overall Risk Framework to achieve

regulatory compliance;

Designed and implemented the Group Policy Framework – including

writing the majority of policy documents from scratch;

Directed and managed a major review of Anti Money Laundering policies,

processes and activities across Axcess Financial Europe Group.

Brewin Dolphin Investment Management

Brewin Dolphin is the UK’s largest independent client investment managers with 41 offices

Brewin

across the UK, almost 2,000 employees, and £23 billion under management.

Dolphin

Regulation & Risk Chief Operations Officer (Dec 10 – Mar 13)

Responsibilities Deputising for the Group Director, Head of Regulation & Risk;

Liasion with the Regulators in all matters relating to Risk Management;

First Line of Defence responsibility for Operational Risk (Business Risk

Partners) covering all departments and subsidiaries within Brewin Dolphin

Group;

Production development and enhancement of Management Information &

Reporting cross Brewin Dolphin Group;

Regulatory Change (Upstream Risk) in various jurisdictions in which

Brewin Dolphin operates;

Design, develop, implement and maintain the Group Policy Framework;

Change team responsible for Regulation & Risk Department involvement in

all Group projects & delivery of internal Regulation and Risk Depart ment

projects;

Administrative support across Regulation & Risk Department.

Key Achievements Designed and implemented a Business Planning process across the

Regulation & Risk Department;

Designed the Group Policy Framework and delivered all Group Policies

within an agreed governance structure;

Designed and agreed a Career Framework for all Regulation & Risk staff;

Responsible for significant enhancements to the style and content of

Regulation & Risk reports to Boards, Audit Committee and other key

committees resulting in positive feedback from the Non-Executive

Directors;

Delivered high quality Risk & Control Assessments for all areas of the

business, resulting in the Risk Management point,raised by the FSA, being

closed ahead of the target date;

Implemented a process to achieve closure of a significant number of

Management Letter issues to ensure these were not repeated and that the

following years Management Letter was significantly improved;

Instigated improvements to Management Information provided to the

business via the dashboard to ensure figures were accurate and provided

a true picture of the current position particularly with Know Your Client and

Annual Review data;

Lead role from a Regulation & Risk Department perspective within the

major change programme that commenced in 2010 – ensuring regulatory

compliance achieved and a significant improvement in the risk profile of the

business.

Delivered significant changes to the style and content of board reports

(including Treating Customers Fairly) for Regulation and Risk and other

areas of the business.

Completed review of the overall Regulation & Risk department structure

and assisted the Head of Regulation & Risk to fully implement this,

including all supporting documentation e.g. job descriptions;

Documented the Regulation & Risk Department Terms of Reference and

liaised with key stakeholder to achieve sign off at Board level;

Successful review of Risk and Control Assessments (RACA) by the FSA

resulting in positive feedback on style and quality. Th ere were no

Operational Risk issues raised following this review and outstanding

actions were closed ahead of agreed target dates.

Risk Consultant (Nov 09 – Dec 10)

Responsibilities Design, develop and implement an Operational Risk Framework to address

issues raised by the FSA.

Key Achievements Designed the Operational Risk Framework and obtained sign off to this

from all governance forums;

Recruited and developed a team of operational risk and business risk

professionals to support the framework;

Established the Operational Risk team within Brewin Dolphin;

Implemented all the elements of the Operational Risk Framework across

Brewin Dolphin;

Stakeholder engagement of all Executives and presentation at their

Senior Management forums;

Designed and rolled out a series of online risk awareness training

modules to all Brewin Dolphin employees;

Successful closure of the Risk Mitigation Points (RMP) raised by the FSA

on Operational Risk ahead of the agreed timeframe.

Royal Bank of Scotland Plc

Adam & Company is a private bank with offices in the UK and Channel Islands. Adam

Adam

providing banking, investment, financial planning, and administration services.

& Company

Chief Risk Officer and Executive Board Director (Sept 06 – Nov 09)

Responsibilities Overall strategy and leadership of the Adam & Company Group Risk

Functions, incorporating Credit Risk, Market Risk, Operational Risk, Regula tory

Risk and Anti Money Laundering.

Key responsibilities included discharging the duties and responsibilities of a

Director and Approved Person of a banking and financial services group. In

addition, to ensure a fit for purpose risk management framework is in place to

guarantee compliance with regulatory and RBS Group requirements.

Key achievements Developed and implemented a regulatory risk and operational risk

management framework to ensure the business was fully compliant with

RBS Group requirements;

Significantly reduced the time taken to close identified risk issues across

all areas of Adam Group (average time over 6 months reduced to 2

months);

Delivered significant improvement in the fraud risk profile by introducing

robust systems, controls and procedures;

Reviewed, developed and implemented processes and format to report all

risk functions management information to Directors (Executive & Non

Executive) and Senior Managers across Adam Group;

Restructured Adam risk functions to ensure a fit for purpose team structure

in place to support all parts of the Adam Group in risk management

activities;

Improved significantly the Staff 'YourFeedback' opinion survey in 2007 and

2008 resulting in highest scores within Adam Group and positive

benchmark compared to other RBS Risk Functions;

Carried out a review and enhancment of the governance structure of Adam

& Company to ensure a fit for purpose regime was in place;

Lead role in stakeholder management of the regulator of the offshore

subsidiary resulting in significant improvements in the relationship.

RBSInternational is one of the leading offshore banks, operating under three brands –

RBS

RBSInternational, NatWest and Isle of Man Bank. There are c2,500 employees and an

International

operating profit of £267m (2011). It offers a full range of banking services to a dive rsified

custmoer base that is internationally located.

Offshore Head of Operational Risk (Jun 02 – Sept 06)

Responsibilities Developing and delivering strategy and leadership of the RBSI Operational

Risk team;

Providing the executives with up to date, relevant and accurate knowledge

of the RBSI risk profile;

Continuous development and improvements to the operational risk

framework;

Timely, relevant and informative reports to the key committees (including

RBSI Board, Audit Committee Risk Management Committee and

Executive Committee);

Liaison point with internal and external lawyers regarding legal claims and

agreeing strategy to address these (including court appearances if

required);

Engagement with key stakeholders at senior directorate level rega rding

any adverse emerging trends or issues.

Key Achievements Introduction of the monthly Operational Risk Report for executives and

senior management across RBSI. This provides:

update on initiatives being undertaken within the unit;

overview of emerging risks/trends e.g. emerging reconciliations issue;

management information (including trend analysis) report on losses

and customer concerns (complaints);

update on status of current Group Notifiable Events;

current opinion and trends from analysis of Key Control data.

Chaired Project Control Committee to successfully exit a number of high

risk/profile connections across RBS Group without any adverse reaction or

press comment.

Identified an emerging reconciliations issue from my analysis of data

(whilst overall outstanding numbers were reducing, the age of unreconciled

items was inceasing). The issue had to be escalated to senior directorate

and a plan agreed to address the issue. At the time the issue was

identified in excess of £10m was at risk. Agreed actions, included having a

dedicated team to address the unreconciled aged items, putting a new

policy, process and controls framework in place that would prevent this

happening again. Improvements were also made to management

information together with training of senior management to ensure full

understing of the reported trends. The actions saved £9.75m of the funds

at risk and RBS Group adopted the policy Group wide.

Following review of Offshore Operational Risk Function by Royal Bank of

Scotland Group Risk the unit was recognised as having a number of

procedures and databases that were well ahead of Group expectations.

These were rolled out to other divisions as best practice.

Introduced summary report of outstanding Group Notifiable Events.

format adopted by Chairman and Chief Executive of Royal Bank of

Scotland Group Wealth Management Division for use across the

Division and as format for reporting details to the FSA.

Other Roles (Sept 78 - May 02)

January 1999 to May 2002 RBSI/NatWest offshore

Manager, Operational Risk

January 1997 to December 1998 NatWest offshore

Manager, Expatriate Service

March 1993 to December 1996 NatWest Isle of Man

Personal Account Executive

August 1990 to February 1993 NatWest Isle of Man

Assistant Manager, Operations

September 1978 to July 1990 NatWest UK

Various Branch Roles

Education

1976 - 1978 Leigh College of Further Education

1971 - 1976 Leigh Boys Grammer School

Additional Information

Skills Competent in MS Word, Visio, PowerPoint, Excel, and Outlook

Interests Reading

Travel

Food & wine

Nationality: British

Personal

Marital Status: Married

20 – 01 - 60

Date of Birth:

Driving Licence: Full

.

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