Financial wellbeing in your location

Kevin joined the Money and Pensions Service as Scotland Partnership Manager in January 2020, having spent the last 20 years working in roles across banking and banking education for the Royal Bank of Scotland and the Chartered Banker Institute.

He has significant experience of stakeholder management with financial services organisations, commercial employers and higher education institutions. He is passionate about the UK Strategy for Financial Wellbeing and enjoys connecting with partners from all sectors to deliver our vision. Outside of work, Kevin is married with two children, lives near Glasgow and is a keen trail runner, when the Scottish weather allows.

Lawrence joined the Money and Pensions Service (MaPS) in February 2021 as a Welsh language Technical Specialist in the Pensions Operations team.

Lawrence has over 25 years of experience in financial services, mainly in the pensions industry, where he provided guidance and advice to various companies and organisations in relation to their pension and payroll arrangements. Lawrence also has experience of brokering group risk and employee benefits packages for organisations. He has recently been part of the consumer helpline at MaPS for members of the public who have been victims to financial scams and fraud. Outside of work, Lawrence is married with two children, lives in Cardiff and coaches youth rugby for his local rugby team. He has set himself a challenge of climbing every mountain in Wales over the next few years.

Margaret’s role is to build relationships with a wide range of private, public and third-party stakeholders, to help with the successful delivery of MAPS engagement strategy and business plan.

Margaret’s initial work will include introducing and delivering propositions to Employers to help improve the way Employees manage their money, debt and pensions. Her role also includes planning and delivering forums, events and communications which help to deliver the business plan by bringing together cross sector groups to improve customer access to help and support. Throughout her career she developed and executed a number of strategic business plans that involved proficiency skill. She gained recognition across the newspaper, magazine and retail industry for her directional ability to drive business and as a result built substantive collaborative relationships with national and international companies. Before joining MAPS she spent 15 months working for Business in the Community as their North West Director – during this time she completed three successful and sustainable projects.

Paul is the Regional Manager for the East Midlands. He develops partnerships across the public, private and third sectors that promote and improve the financial wellbeing of an organisation’s residents, customers, staff and consumers.

Before joining MaPS, Paul worked at the Centre for Ageing Better where he developed their strategic partnership with Lincolnshire County Council. This was in response to the challenges of an ageing population, raising ageing as a strategic priority and taking joint action to improve later lives in rural and coastal areas. He has a background in health and social care and sits on the board of a Lincolnshire charity that reviews and evaluates the effectiveness of health and wellbeing services, as well as delivering the statutory Healthwatch service. Outside of work Paul loves to cook, read and travel with his young family.

Dawn Cummins is the Regional Manager for the West Midlands. She has extensive experience of working with stakeholders and partnerships across a range of sectors, having previously worked as a CEO for a small charity where she led strategic engagement for the voluntary sector throughout Northamptonshire.

Dawn also held a senior role at the National Housing Federation working with a wide range of housing associations with a particular emphasis on the West Midlands, East of England and East Midlands. She has extensive experience across the not for profit sector, having chaired a housing association board, leading its merger with a larger group to maximise housing development opportunities, to provide more affordable housing for those most in housing need.

Before joining MaPS, Karleen worked at The Careers & Enterprise Company for five years, where she worked in partnership with a wide range of public, private and third sector stakeholders, including education institutes and businesses. Prior to this, Karleen spent 15 years working in the education sector in a variety of education policy and practice roles.

James Kelly is the Regional Manager for the Money and Pensions Service in the North West. His previous role was at Lloyds Banking Group where James developed options to assist customers who were in financial difficulty and/or significant arrears.

His role at Lloyds included successfully creating and operating the Mortgage Rescue Scheme which worked closely with local councils, debt and homelessness charities to assist vulnerable customers. During this time James was the Deputy Chair of UK Finance’s Arrears and Possessions Panel. He has also held senior roles at the Halifax and is a Board Member for a Housing Association which provides affordable properties to a diverse range of local communities.

Jenny is the Money and Pension Service's Regional Partnership Manager for Yorkshire and the Humber. She joined us from Citizens Advice where she was a National Quality Assessor for Pension Wise.

Having spent seven years in frontline service delivery, working for Age UK, SCCCC and Citizens Advice, she was able to shape services that make a real difference to the lives of real people. Before working in the third sector Jenny spent 20 years working in the financial services sector. A member of the Area Board, managing a team of retail, business and high net worth financial advisors at HSBC, and being a qualified financial advisor herself, Jenny is able to draw on her commercial and third sector experience to support organisations to build financial capability for their clients and employees.

Alan Nicholls is the Regional Manager for the East of England at the Money and Pensions Service. Previously he worked at Lloyds Banking Group for 14 years, influencing their financial inclusion, financial education, credit union and Universal Credit multi-brand strategies.

He served on the group’s East of England Regional Ambassador Executive Committee, as well as attending the Money Advice Service’s financial capability steering groups and UK Finance’s Financial Inclusion and Capability Forum. Alan is also a board director for Harlowsave Credit Union and trustee for ‘Home’ charity.

Claudine is the Regional Manager for South East England. She is passionate about supporting the financial wellbeing of your residents, customers and employees.

Claudine has over 15 years experience of working with stakeholders and organisations across medical, dental and legal sectors. Her focus has been around providing information and educational content regarding financial services including income protection and pensions.

Paul is a highly experienced senior business executive, with a 20-year track record of achievement working across, and collaborating with, sectors including defence, the NHS, education, SMEs, charities, not for profits, and the wider private sector.

Previously a managing director, business development director and non-executive director across sectors, Paul has experience in workplace wellbeing, employee development, governance, strategy, business development and marketing.

Monica is passionate about helping people to enhance their financial skills and make the most of their money. Her role is to work closely with organisations from the private, public and voluntary/third sectors to support their wellbeing strategies by accessing MaPS’s free resources, removing the stigma attached to talking about money and providing impartial advice and guidance.

Prior to joining MaPS, Monica held senior roles within Social Housing and Regeneration. Monica has led the development and delivery of various strategies, including equality and diversity. Part of this work involved creating frameworks to support the construction industry and employment opportunities for women in various trades. When not glued to the laptop, Monica is an avid salsa dancer and a committed squash player.

Victoria's main focus is understanding the financial wellbeing needs in West London and how MaPS can support them. From employers, local authorities, community groups, business groups and others, Victoria helps more people access money and pensions guidance services.

Victoria represents her region in discussions around the UK strategy, policy and proposition development. She also works with the region to engage key stakeholders and partners in this work.

Scott heads up the regional partnerships team in England and his team is responsible for engagement across the various English regions. Previously Scott led on the successful delivery of the 'What Works Fund' and has held a number of partnership roles across the organisation.

Before this, Scott spent a number of years in leadership roles across financial services in retail banking and mortgages through to sub-prime consumer finance, arrears management and debt advice. This also Included setting up and running his own Debt Management company.