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Money Advice Liaison Group (MALG) Conference 2017 speakers confirmed so far…

Dr Emma Stone

Emma is a member of the Senior Leadership Team at Joseph Rowntree Foundation (JRF) and Joseph Rowntree Housing Trust, and leads the Policy and Research department. Her work is focused on developing and using evidence from research and experience to inform, influence and inspire social change in the UK – with a strong strategic focus on solving poverty. Emma began her JRF career in 1998, managing programmes on disability, and then on immigration and inclusion.

She will deliver a keynote presentation at the MALG Conference 2017 on ‘solving poverty by re-thinking markets and growth’. She says: “I am not an economist or financial markets analyst but the economy and markets are all about people.”

Anna Laycock

Anna Laycock is Executive Director at the Finance Innovation Lab, an organisation which facilitates the transformation of the finance system for the future to ensure it serves people and the planet.

She has previously worked in international development, campaigning, education, health and community development; and represented the Society on the Global Alliance for Banking on Values Communications and Impact Metrics expert groups. Anna is a Trustee of NEON (the New Economy Organisers Network), a Fellow of the RSA (Royal Society for the encouragement of Arts, Manufactures and Commerce), an Associate of the Institute for Social Banking, and an Associate of the St Paul’s Institute.

She will be one of the keynote speakers at the MALG Conference 2017 where she will be discussing her passion for tackling the roots of social injustice in economic inequality, and her belief that we will only find lasting solutions to our most pressing social and environmental problems if we transform the values and power relations embedded in our global financial system.

Mitch Armstrong

Mitch is Director of Sales & Marketing, EMEA at Telrock. He has over 20 years of experience in the payments and cards industry. He brings wide experience in all aspects of the industry from consumer, merchant retail through to corporates. He is passionate about the disruption in the market place and the opportunity afforded by digital technologies to revolutionise customer service.
Prior to joining Telrock, Mitch held leadership positions with CMGi, Euronet and ACIworldwide where he most recently served as Vice President and Head of Transaction Banking, EMEA. He has delivered solutions to Issuing Banks, Lenders and Processors across the globe.

At the MALG conference this year Telrock will be showcasing their digital collections solution – SmartCollect. The SmartCollect solution features a self-serve payments portal, with an optional Standard Financial Statement (SFS) compliant Income & Expenditure process, and campaign and messaging tools.

Freddy Kelly

Freddy co-founded of Credit Kudos in 2015 as a solution to the problem of roughly 12% of the UK population being “under-banked”, forcing borrowers with no credit history to

turn to high cost credit. He developed Credit Kudos as a tool for using consumer transaction data to build highly accurate and transparent credit score-cards and affordability metrics, making decisioning possible for the previously “unbanked” as well as those with nonexistent or “thin” credit files.

Prior to founding Credit Kudos, Freddy completed a B.Sc. in Computer Science at the University of Manchester, then moved to San Francisco to join the engineering team at Bitnami (YC W13). He was the first engineer at A16z-backed TXN, developing their transaction analytics platform.

Freddy will be delivering a ‘digital negotiation skills’ workshop at the MALG Conference 2017.

Katie Evans

Katie is Head of Research and Policy at the Money and Mental Health Policy Institute. She previously led a programme of work around financial services at the Social Market Foundation and has also been an economic consultant.

She will be delivering a session on high cost credit at the MALG Conference 2017, which will look at the impact of irresponsible lending on those with mental health issues.

David Haigh

David is Director of Financial Capability at the Money Advice Service. He is responsible for developing a strategy to harness collective impact and drive improvements in the way people manage their money. He has held a variety of senior strategic policy and leadership roles over the last decade, and was the Commercial Director at the Department for Health, responsible for developing a programme to improve the efficiency of the NHS.

David spent two years working in the Australian Treasury, leading the team in delivering the Budget and setting up the Clean Energy Investment Corporation. He also worked at the Department for Work and Pensions where he led the policy and legislation to deliver automatic enrolment into pension schemes.

He will sit on a panel about the future of financial capability at the MALG Conference 2017 alongside Anne Boden, Rob Moore, and Laura Bunt (see below).

Anne Boden

Anne Boden is CEO and founder of Starling Bank, a fintech business with a banking license which Is creating an app that will replace the current account for a generation of mobile consumers. Prior to Starling, she was Chief Operating Officer of Allied Irish Banks Plc and Head of EMEA, Global Transaction Banking across 34 countries for RBS and ABN AMRO.

She has more than 30 years experience in banking, having begun her career at Lloyds Bank, before moving on to Standard Chartered Bank and then UBS in Zurich. She was recently recognised as one of the Global Power Women in FinTech.

At the MALG Conference 2017, she will sit on the ‘FinCap Future’ panel.

David Hall

David is Executive Director of Behaviour Change; a social enterprise which uses behavioural science to help people ‘do the right thing’. During a thirteen-year career in advertising, David created a series of step-changing campaigns; his multi award-winning strategy for Skoda helped transform perceptions of a car that had long been the butt of jokes. Since setting up Behaviour Change in 2009, he has gained a reputation as a leading thinker and researcher on tackling challenging behaviours, working with organisations including Wrigley, the National Trust, WRAP, the WI, B&Q, John Lewis and the School Food Plan.

Over the last three years, David has also been exploring how behavioural insight can be applied to financial inclusion and debt. In 2016, Behaviour Change received an innovation grant from the Money Advice Trust to develop new tools for money advisers and this project concluded with the launch of a ‘nudging tools for money advisers’ toolkit in July 2017.

He will sit on the ‘FinCap Future’ panel at MALG Conference 2017.

Laura Bunt

With a background in policy research and analysis, Laura Bunt is now Chief Digital Officer at Citizens Advice. Her role revolves around transforming services to help people solve problems through accessible, actionable digital content and services. By moving away from expensive tech and working more closely with users to design services, she has helped to ensure that Citizens Advice can help far more people and provide a much better user experience. This has shown the power of digital tech in solving big policy problems and Laura is working with the tech community to involve them in developing solutions that will help vulnerable customers.

She will sit on a panel at the MALG Conference on the future of financial capability.

Chris Fitch

Chris Fitch, Vulnerability Lead at the Money Advice Trust and Research Fellow at Bristol University’s Personal Finance Research Centre, is one of the UK’s leading practitioners on vulnerability in the financial services, water, energy and retail sector. He has been instrumental in advancing understanding of the relationship between financial difficulty and mental health and sits on MALG’s Mental Health Working Party as a contributor to our Good Practice Awareness Guidelines for Consumers with Mental Health Conditions & Debt and Debt & Mental Health Evidence Form.

His most recent publications include guides on vulnerability in debt collection (March 2017) and vulnerability in lending (June 2017).

Chris will be delivering a vulnerability session at the MALG Conference 2017 with a very special guest (see below) who will help to set his latest research and thinking into context for advisers, creditors and collections professionals.

Alex Lewis

In November 2013, Alex Lewis, aged 33 and a father of one, collapsed and was rushed to Winchester ICU. His only symptom leading up to this was the common cold. Within a few hours of his collapse, his vital organs were being supported mechanically, his blood forced around his body with nora adrenalin. His chances of survival given by the consultants for the first 3 days was less than 3%. He had contracted Strep A which turned into Strep A Toxic Shock Syndrome, Septicaemia and Necrotising Fasciitis. This resulted in quadruple amputation and extensive skin grafts and facial reconstruction as the infection ravaged his face and mouth as well as his limbs. 

Alex now gives “A Minor Setback” motivational talks, in which he looks at dealing with change positively and turning obstacles into opportunities by accepting the things you can’t change and changing the things you can. Alex will deliver the vulnerability workshop at the MALG Conference alongside Chris Fitch to help us questions definitions of vulnerability and understand more about the challenges different people in vulnerable situations face.

Gareth McNab

Gareth has worked with people in financial difficulty for more than ten years.  He ran the collections department at a building society while running a debt advice charity and a trustee at a local Citizens Advice Bureau, and is now Money Advice Liaison Manager at Nationwide Building Society.  In this role, he seeks to improve the experience of Nationwide members experiencing financial difficulty – through learning from the experience of debt advice organisations, leading in creditor best practice, and collaborating in industry initiatives.

As an active MALG member, Gareth will deliver the ‘summing up’ session at the MALG Conference 2017, highlighting the next steps for joint action coming out of the day’s discussions.