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Governance

How Cifas is run

We have been set up as a not-for-profit company limited by guarantee and as a membership association.

Cifas is governed by its Board. The Board is responsible for the entrepreneurial leadership of the organisation: setting strategic direction and aims and measuring performance against strategic objectives as well as scrutinising risks and controls. It is responsible for determining Cifas’ vision, mission and values and holding the Chief Executive account for the organisation’s performance. The Board is led by the Chairman and also has oversight of the Advisory Board and its work.

The Advisory Board has delegated responsibility from the Board to monitor the operational effectiveness of Cifas, and understand and represent the interests of its principal stakeholders: Cifas’ membership, but also other users of its services, including members of the public. In fulfilling this purpose, the Advisory Board advises both the Executive and Board.

Led by the Chief Executive and Deputy Chief Executive, Cifas is managed by its Executive Group.

Business Plan 2018-2019

We have now begun the final two years of our six year '2020 Vision'. For the next two years we have set ourselves a challenging business plan that will help us maintain our position as a key component of the UK's response to fraud, achieve our ambitions and look forward to 'Beyond 2020'.

Read or download the Business Plan 2018-2019.

The Board

Lady Barbara Judge CBE, Chairman

Lady Barbara, a trained commercial lawyer with both British and American citizenship, has had a successful international career as a senior executive, chairman and non-executive director in both the private and public sectors, and across various industries including energy, infrastructure, manufacturing, retailing and the financial services industry.

Arnold Wagner OBE, Senior Independent Director

Arnold was previously Director of Human Resources at Smiths Group plc. He is now the Chairman of the Pension Protection Fund and has also served as a Non-Executive Director at the UK Atomic Energy Authority, where he chaired the Remuneration Committee. Arnold is active in voluntary and charitable work in the social care and education sectors, and he was awarded an OBE in 2002 for his services to education.

 

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Penny Avis, Non-Executive Director

Penny is a former corporate finance partner and board member of Deloitte UK LLP, with wide-ranging merger and acquisition and accounting experience. As a Deloitte partner, she specialised in due diligence for corporate and private equity acquirers across a wide range of sectors, including consumer business, retail, healthcare and manufacturing. She is a qualified accountant (ACA, ICAEW) and a member of the Deloitte Academy. Penny remains involved with Deloitte as Chair of the Former Partners Association for London and the South Region. She is also a non-executive director at Equitable Life and Envestors, a private corporate finance business.

 

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Alison Dolan, Non-Executive Director

Alison is the Chief Strategy Officer at News UK, a position she has held since January 2017. Prior to that, she spent 15 years at Sky, where for the last five years, she was the Deputy Managing Director for Sky Business - Sky's B2B arm. Previously she was Sky's Group Treasurer and a divisional Finance Director for ten years. The majority of her career has been in Treasury, primarily within the Telco sector, issuing debt and managing risk for companies such as Energis, One2One and FirstMark Communications.

 

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Rob Fraser, Non-Executive Director

Rob has over 30 years' experience in technology and consulting roles. Most recently he was IT Director for J Sainsbury's plc, overseeing the most significant investment in IT platforms in over a decade, and chairing the Information Security Committee. Prior to that Rob was Vice President for Retail and Consumer Products at Computer Sciences Corporation, and Group IT Director at Boots. Rob is Chairman of Chris Fraser Associates, a digital consultancy servicing some of the UK's largest companies. He is also a member of the Board of Governors for the University of the West of England, and a Board advisor to tech startups E:Fundamentals and HubBox.

 

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Also on the Board:

Mike Haley, Cifas' Chief Executive

The Advisory Board

Graham Isle, Black Horse

As Senior Manager, Dealer Support and Decision Risk for Lloyds Asset Finance, Graham's responsibilities include Motor and Leisure Dealer Wholesale Stock Funding and Retail Relationship Risk Management. With substantial experience in the financial services industry, he now heads up a UK Contact Centre team managing fraud prevention and credit risk policy.

Dave Laramy, Capital One (Europe) plc

Dave is the Head of Fraud Strategy & Analysis at Capital One with responsibility for fraud systems, models, rules, analysis and investigations. Dave has worked in fraud prevention for over 12 years and has previously held various senior fraud prevention roles at both Santander UK and Barclays.

Howard Rawstron, Lloyds Banking Group

Howard has undertaken a variety of roles in the Financial Services sector spanning the disciplines of Operational Management, Strategy and Risk Management. His current role is Head of Policy and Strategy for Lloyds Banking Group where he executes the role of Group Policy Owner supporting the organisation's Fraud Risk Appetite and the Group's vision. He has been actively involved with Cifas for over six years helping shape and the current strategy whilst supporting the growth and development as an industry advocate.

Alistair Urquhart, Telefonica UK (O2)

Alistair is Head of Fraud & IT Security with over 15 years leadership experience in telecommunications fraud management, disclosure, investigations, commercial finance and information security. Having held prior diverse roles in credit management and finance, his responsibilities now also encompass broader aspects of information, technical intrusion and data security. Industry experience includes positions within the GSM Association International Fraud Forum, National Policing Data Communications Group and the Communications Crime Strategy Group.

Ian Walker, Skipton Building Society

Ian is the Head of Financial Crime at Skipton Building Society and has worked in crime prevention for over fifteen years. He leads a team responsible for financial crime controls at the Society, covering fraud, money laundering, bribery and corruption. Before joining the Society he implemented and lead a team targeting staff fraud at Betfair and prior to this worked in organised crime intelligence for the New Zealand Police. He is a strong advocate for collaboration and currently facilitates the Building Society Financial Crime Panel, actively looking for opportunities for building societies to share financial crime best practice and learn from others in the industry.

Neil Watts, Citizen Advocate

Neil is an economist and experienced secondary school headteacher who taught economic awareness and citizenship to high school students for many years. He is currently a member of the Complaints Committee of the Independent Press Standards Organisation (IPSO), and is on the Foundation Board of the University of Suffolk. He was previously a Council Member and Deputy Chairman of the Advertising Standards Authority and a founder member of the Board of Ofqual. He chairs the Suffolk Family Carers Partnership Board.

Keith Rosser, Reed Specialist

Keith founded and leads one of the largest pre-employment vetting businesses in the UK, Reed Screening. He also sits on the board of two industry trade associations and chairs a Metropolitan Police-founded charity, SAFERjobs. Keith was recently appointed to the Ministerial Advisory Panel for UK Government on the Matthew Taylor Review of Modern Employment Practices, and advises the Government on labour market strategy. He was also on the Equality in Recruitment committee, and advised on Ban the Box for UK Government. Keith is a Committee Member of ECHO, a Home Office body advising on legislation around the right to work. He is a Non-Executive Board Member at Glasgow Clyde College, and a Trustee of a grant-making charity which has awarded over £15m in grants. Keith has an MBA from Aston Business School and is currently completing his PhD in Business Enterprise. He was awarded a Home Office Commendation Award for services to recruitment in 2016 and was recognised by the Queen for services to tackling labour market abuse in 2018.

Dr Nikki Grieve-Top, Tesco Bank

As an expert in investigative psychology, Nikki is a recognised financial services figure specialising in fraud and financial crime risk management. As an ambassador of good financial crime practice, she is responsible for the implementation of the financial crime risk framework across Tesco Bank products and services, with specific counter-fraud accountability. Nikki has over 13 years’ experience in influencing and leading diverse multidisciplinary teams and has a track record of improving operational performance. A seasoned conference speaker and recognised subject matter expert, she has sat on several cross-sector anti-fraud steering groups. Nikki is a regular guest lecturer at the University of Liverpool where she also obtained her PhD titled ‘Explorations into Insurance Fraud: Bare facts, Behaviours and Beliefs’.

Gemma Pezzack, V12 Retail Finance

Gemma is the Fraud Operations Manager at V12 Retail Finance, a wholly owned subsidiary of Secure Trust Bank. She is responsible for designing, implementing and executing the fraud prevention strategy and financial crime controls. Leading a team of more than 30, Gemma is of key importance across the business due to the nature of the product V12 supply. Previously she has held significant roles at Eversheds, Deloitte and Target, which have given her a good understanding of the legal, consulting and financial services sectors. Gemma is passionate about creating effective controls and raising awareness of financial crime and fraud risks in the wider company as well as at department level.

Also on the Advisory Board as an observer:

Mike Haley, Cifas' Chief Executive

Executive Group

Mike Haley, Chief Executive

Mike has more than 25 years' experience of tackling and preventing fraud across the public, private and not-for-profit sectors, including considerable experience directing investigations, as well as developing prevention and detection strategies. He has led investigative teams in the NHS, Ministry of Defence, Office of Fair Trading, HM Revenue & Customs and Solicitors Regulation Authority. He also worked at the National Fraud Authority directing cross sector fraud prevention strategies including on mortgage fraud and identity crime. He joined Cifas as Deputy Chief Executive in May 2015, and became Chief Executive in May 2018.

Richard Freedman, Chief Operating Officer

Richard has over 20 years’ experience within the financial services industry, and more recently with Countrywide plc where he held a number of leadership roles focusing on operations, transformation and strategy. He successfully ran one of Countrywide’s subsidiary businesses that provides services to corporate clients, and led a team responsible for establishing part of a new corporate strategy. Richard also developed the strategic plan for a newly formed business unit and ran its operations across multiple functions and sites. He joined Cifas as Chief Operating Officer in August 2018.

Alan McNamara, Chief Business Officer

Following a brief period in retail management, Al was Commissioned as a RAF Officer in the Administrative (Secretarial) Branch in early 1990. Serving for 18 years, his military experience included periods in HR, Finance, and Intelligence roles, as well as a period as Chief of Staff on a large RAF Unit. His final five years were spent within the Permanent Joint Headquarters. This period included operational service within the deployed UK Headquarters for the Iraq war in 2003 and for the expansion of UK forces into southern Afghanistan in 2006, where he headed-up the Personnel function for all UK deployed forces. He joined Cifas on leaving the RAF in late 2007, initially as Head of Corporate Services, and has been in his current role as Chief Business Officer since January 2017.

Dan Beckett, Chief Technology Officer

Dan has been with Cifas for over 17 years and has led all technological development within the organisation. He has been central to the successful design and launch of all Cifas technological services and their subsequent development. Dan has first-hand experience of developing in-house systems but has also worked closely with our IT partners to design and develop many aspects of the Cifas databases, including fuzzy matching algorithms. Dan manages the relationships with all of our key IT partners and has overall responsibility for the development and security of our data and technology.

Anne Sheedy, Director of Compliance and Best Practice

Anne is a Chartered Manager and has been a member of the Cifas senior leadership team since 2005. Anne took up the post of Director of Compliance and Best Practice in 2015 and has set and directed new strategy for how Cifas manages the compliant use of its database, making greater user of technology and risk management to create a more proportionate and supportive approach to compliance for our member organisations. Prior to taking up this position, Anne was Head of Financial Crime and Strategic Intelligence where she was instrumental in influencing national policy to have frauds filed to Cifas counted in official crime statistics.

Lee D'Arcy, Director of Engagement

Lee has over 20 years' experience in data and financial risk information services. Before joining Cifas in 2016, he held senior Business Development and Management roles at Dun & Bradstreet and Ernst & Young. He is responsible for driving the growth of the business and in particular the membership as well as extending the reach of Cifas into new sectors.

Sandra Peaston, Director of Strategy, Policy and Insight

Sandra has been at Cifas since 2000 and has a wealth of experience in fraud data analytics. She oversees the Insight function, delivering fraud-related research and intelligence, and is the author of Cifas’ annual report Fraudscape, which analyses current fraud trends in the UK. She also oversees a team specialising in Government and law enforcement relationships, which ensures Cifas extends its data-sharing capabilities to the public sector, and supports the police in investigating fraud and financial crime. Her Directorate also covers the Communications function at Cifas, and the Portfolio Office, overseeing the delivery of Cifas’ schedule of change projects. Since 2016, she has been the co-Chair of the Understanding the Threat strand of the Home Office-led Joint Fraud Taskforce.