Meet the experts

Our technical experts are here to turn all the updates and changes to the financial market into understandable articles.

Meet the experts below and catch-up on some of their recent articles.

About the author

Caroline Kellas

Technical Support Manager

Caroline started working for the company straight from school in 1987. She has worked in technical support since 2000 and also has experience of working in customer services, marketing and conduct risk. She currently heads up the Technical Support team.

About the author

Clare Moffat

Head of the Intermediary Development & Technical Team

Clare qualified as a lawyer and Notary Public in September 2002 and is a member of the Law Society of Scotland and the Society of Trust and Estate Practitioners. Post qualification Clare spent five years at Aegon Scottish Equitable in the legal department before moving to Pinsent Masons LLP in November 2007. While at Pinsent Masons, Clare acted for many different pension providers before moving to Prudential for over six years and ended up leading the pensions side of the external facing technical team. Clare joined Royal London in April 2018 and leads a team of eight specialists as well as presenting, writing articles and commenting for the press and developing adviser facing content. Clare is a mum of 3 and enjoys holidays, running and socialising.

About the author

Craig Muir

Senior Pension Development & Technical Manager

Craig joined the Life & Pensions industry straight from university in 1988, putting his degree in Biological Sciences to great use by joining Scottish Widows before moving to Royal London. He has held several roles, including proposition training and development officer for Royal London before finally putting his analyst degree to use when he moved to Marketing in 1997 where he specialised in market research and analysis. Craig became Chairman of LAMRA, an informal association of Life Assurance providers, in 2004 as he worked to improve marketing and market research standards within the Financial Services Industry. Taking up a new role as an Intermediary Development & Technical Manager at the start of 2011, Craig is a specialist in interpreting and explaining changes to the pension rules and regulation. Craig is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Craig is an avid rugby fan and continues to follow the lows and lows of Scottish rugby.

About the author

Dougie Kneller

Senior Technical Support Analyst

Dougie has worked in Financial Services since the late 1980s. With experience in customer service, product maintenance and more recently technical support.

About the author

Fiona Hanrahan

Pensions Development and Technical manager

Fiona has worked in financial services since leaving the University of St Andrews in 1998. She has worked mainly in technical roles although has also worked as a Chartered Financial Planner. She has worked for Royal London since 2015. Fiona is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Fiona is a fellow of the Personal Finance Society and has an MBA from the Open University. She is also the current president of the Insurance Society of Edinburgh. Fiona has young twins who take up most of her spare time although she likes visiting new cities, going to the cinema and keeping fit.

About the author

Ian Macintyre

Strategic Insight Manager

Ian has worked at Royal London for more than 20 years. His area of expertise is ensuring IT services make life easier for Royal London Pensions customers and advisers. He has been working on the Pensions Dashboard project, on behalf of Royal London and its customers, since 2016.

About the author

Ian Smart

Product Architect

Ian has worked in financial services since 1984 and has provided technical support and been involved in product development since 1992. He joined Royal London in 2001, initially as technical product manager for Bright Grey, before becoming head of product development & technical support for both Bright Grey and Scottish Provident and latterly product architect for Royal London.

About the author

Jennifer Gilchrist

Proposition Specialist

Jennifer Gilchrist is Proposition Specialist for Royal London’s intermediary protection business. Having worked in the industry for over 30 years, she has a wealth of experience in marketing and developing protection products and is a frequent press commentator. Jennifer’s had many articles and comment pieces published in the trade press. Outside work, you’ll often find her pounding the Edinburgh streets at 6am on a misty morning. She’s also an avid tennis fan but that extends to watching rather than playing!

About the author

Jim Grant

Senior Technical Support Analyst

Jim has worked in Financial Services since 1969 with experience in training, sales training, consultancy work and technical support.

About the author

Justin Corliss

Senior Pensions Development and Technical manager

Justin’s first foray into Financial Services was in Australia in 1997 with Commonwealth Bank of Australia working predominately in retail mortgage lending. In 2002 Justin and his British wife moved to Scotland where he worked in broker consultant roles with both Scottish Widows and Scottish Life before spending a brief period as an Employee Benefits Consultant dealing predominately with Auto Enrolment and associated business consultancy. Justin is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Justin has studied continuously since arriving on these sunny shores and holds the Advanced Diploma in Financial Planning including the CeMap and Lifetime Mortgage qualifications. His primary focus is pension planning and he holds the AF3 & AF7 qualifications. A huge sports fan, Justin will happily discuss the merits of the Australian cricket team for hours on end.

About the author

Moira Warner

Senior Pension Development and Technical Manager

Moira spent the early part of her career with a number of European investment banks both here in the UK and overseas with responsibility for sales of money market securities and fixed income products to institutional and Central Bank clients. In the early noughties she moved to the life insurance sector where she has held various pensions technical roles supporting both provider, product and proposition/ sales. Moira specialises in Public Sector pensions and worked closely with a number of key Public service pension schemes and the Local Government Association to help ensure the compliant overlay of pension freedoms on scheme regulations and practices. Moira moved to Royal London in August 2018 and is involved in developing adviser facing content, writing articles and commenting for the press. At weekends Moira can usually be found working in her garden but she doesn’t let her passion for plants prevent her from also indulging in her love of travel.

About the author

Robin Nimmo

Proposition Strategy & Insight Manager

Robin has worked for Royal London for over 30 years with experience in marketing, research, technical support and product development. He currently specialises in the savings and at retirement markets.

About the author

Ronnie Morgan

Proposition Strategy and Insight Manager

Ronnie has worked in Financial Services since 1985 and has experience in customer service, pension scheme implementation, pensions policy, governance and marketing. Ronnie is also a pension scheme trustee and trustee of a charity. He's an Associate of the Chartered Insurance Institute, a Chartered Insurer and qualified to diploma level by the Personal Finance Society.

About the author

Ryan Medlock

Senior Investment Development & Technical Manager

Ryan’s journey with Royal London began back in 2008 after starting his career in compliance with Norwich Union. As an Investment Proposition Manager, Ryan contributed to the growth and development of Royal London’s Governed Range before moving to Aberdeen Standard Investments for a stint in the Strategic Client’s relationship team. Ryan returned to Royal London in 2018 with a focus on exploring adviser angles amongst complex regulation and investment themes. Ryan is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Ryan holds the IMC qualification. Ryan is particularly proud of the fact that he finished 952nd in the 2008/09 edition of Fantasy Premier League.

About the author

Shelley Read

Senior Protection Development and Technical Manager

Shelley has worked in financial services for over 25 years, starting her career in the Mortgage world and then from 2008 in protection field Face to Face Sales. Shelley was originally with Bright Grey and Scottish Provident and latterly representing Royal London in the West Midlands and Warwickshire area. Shelley moved to her current team in July 2017 and now covers all of the UK. Shelley is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Shelley therefore has an in-depth knowledge of the mortgage and protection market and her strengths have been training and coaching advisers to recommend protection solutions to their clients and delivering this coaching in an easy to understand and simple way. Shelley’s area of expertise also includes Family Protection and Business Protection. Shelley hosts a monthly book club in Sutton Coldfield and also enjoys attending various cookery courses both at home and abroad to improve her cooking skills and her love of entertaining friends and family.

About the author

Tom Dunbar

Distribution Director

Tom is responsible for Royal London Intermediary distribution of protection, individual pensions and workplace pensions. He was previously Group Strategy Director at Royal London. Before Royal London, Tom was a Partner at NMG Consulting where he provided strategy advice on where to play and how to compete to insurers, platforms and asset managers in the UK and international markets. Tom holds a first class degree in Chemistry from Oxford.

About the author

Vincent O'Connor

Senior Protection Development and Technical Manager

Vincent has worked in Financial Services since 1994 and has experience across a range of different perspectives. He has started out at a life company and then ran his own Mortgage and Protection brokerage. Most recently he worked for a large network where he set up their ‘Protection Academy’ for adviser learning, development and skills training, but is now back at a life company (Royal London); again with a specialist focus on protection. Vincent is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Vincent is passionate about the need for protection, but also about the importance of proper financial advice. Vincent enjoys his holidays, good food and quality time. He also enjoys art and crafts in his spare time!

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.