Kevin Partridge07789 796250 (Mobile) 01780 764325 (Home)

E-mail: kevinapartridge@yahoo.comPROFESSIONAL AREAS Regulation Stockbroking Corporate Banking Internet Banking Life / Pensions / Wealth Management Retail / Core Banking

CAPABILITIES & ATTRIBUTES Committed conceptual thinker prepared to step

outside the box to challenge the status quo and to deliver innovative pragmatic solutions.

Intuitive influencer and communicator well practised in building sound relationships, both internal and external to the organisation.

Adaptable creative problem solver and negotiator; enjoys the opportunity to identify and resolve complex and routine change issues.

Extensive operational and process modelling experience, workflow, functional specifications.

Leads by example, and motivates both teams and individuals to achieve business goals by astute use of delegation and creation of an all-inclusive environment.

Development and successful implementation of challenging strategic business change to meet TOM’s and development plans into well received programme deliverables.

PROFILE Professional Business Analyst and Project

Manager with proven skills in initiating, managing and delivering large transformation & migration programmes.

Experienced in problem resolution and leveraging of recognised E2E methodologies & Rapid Application Design.

Extensive experience in timely delivery and programme success through the direction of teams and individuals by utilising leadership.

Directs and manages through consultation and empowerment to deliver to cost and plan.

CAREER HISTORY - Contract Business Analyst / Project Manager Roles

Jan 2015 – ongoing (2 renewals)Senior BA – Nationwide (Business Transformation)Kevin was employed by Nationwide Building Society to work on Protection and Investments enhancements. Nationwide had a requirement to increase the charge for its investments On Going Service (OGS) for new and existing customers from the current 50bps to 75bps and to provide a Proactive Contact for the Annual Customer Report. I documented the scope and requirements, worked actively with the test team and assisted the Delivery Manager to implement changes to plan. Legal & General are the investments 3rd party to Nationwide and the role included close interworking with them on a daily basis.I was asked to join the Payments Portfolio and was one of 6 BA’s analysing the forthcoming EU regulation for the Payment Services Directive 2 (PSD2), focussing on Framework Contracts, Payment Directive and Institutional Responsibilities. This legislation provides the legal foundation for an EU single market for payments, to establish safer and more innovative payment services across the EU. The objective is to make cross-border payments as easy, efficient and secure as 'national' payments within a Member State. PSD2 widens the scope of the PSD by covering new services and players as well as by extending the scope of existing services (payment instruments issued by payment service providers that do not manage the account of the payment service user), enabling their access to payment accounts. The results of the BA team analysis now sit with the senior executives to make crucial strategic decisions on the way forward into the future digital banking market.I was next requested to perform a quality assurance activity of the Single European Payment Area (SEPA) customer journey. This lead to updating the journey and successfully taking it through to build and test with the Digital technical team and testers. I also documented the ITDR scope and requirements for the SEPA platform and took this through to business readiness and implementation.In parallel to SEPA I was also the primary BA for the Bank of England legislation for the Extended CHAPS Settlement Day. This policy change extended the customer same day cut-off to provide the benefit of a longer business day to customers. This project was started later than it could have and was rapidly taken from scope and requirements through to business readiness and implementation to plan for go-live on the 20 June 2016. This was essentially a simple change but involved 70+ stakeholders as the change impacted so many business teams, so in that regard became a complex task with a strong emphasis on communications across the group to ensure legal compliance.

C0 - PUBLIC1

As a follow-on to the high value and international payments projects I am now working on the new Wire Transfer Regulations (WTR). The WTR is to ensure the traceability of all ‘in scope’ electronic fund transfers (Wire Transfers), domestic and cross-border, in any currency, which are sent or received by Payment Service Providers (PSPs) established in the European Union (EU). Changes will be required within Nationwide in order to comply. It lays down rules on the information on Payers and Payees, accompanying transfers of funds in any currency, for the purpose of preventing, detecting and investigating money laundering and terrorist financing. The work is ongoing as the new regulation comes into force on the 26 June 2017.

Jan 2014 – Dec 2014 (1 renewal)FATCA Lead – SelftradeKevin was the FATCA Lead PM / BA to ensure Selftrade (part of the Societe Generale Group) is compliant with the mandatory US tax regulation and HMRC Guidance, which is focussed on client onboarding, due diligence AML and KYC to identify and prevent tax avoidance. This was achieved by processing extensive and detailed client data MI on customers and their accounts across global jurisdictions. Selftrade is an online stock broker and provides multiple challenges, both in terms of Dealing, Funds, product scope, compliance, legal and operations changes for the delivery of a FATCA compliant solution to a UK Financial Institution with customers from multiple tax jurisdictions.

FATCA was delivered to plan on the regulatory effective date of 1 July 2014. Kevin was extended by 5 months to ensure all FATCA reporting and pre-existing customer classification is compliant prior to the sale of Selftrade assets to Equiniti in Q4 2014.

In addition, he has also successfully performed a Senior PM role for: The Retail Distribution Review (RDR) to remove trail commission and meet the FCA

regulations in April 2014. RDR was delivered on time. Documenting the Transaction Reporting Remediation project to meet both FCA and PRA

reporting and audit requirements. In addition to his FATCA duties and the forthcoming OEIC Global Information Exchange, Kevin’s role was expanded in June 2014 to include Brokerage & Legacy Services PM. He was the primary interface between Selftrade and Equiniti for providing the approach, scope, requirements and delivery of those services required to manage and maintain dissenting customers who opt not to migrate to Equiniti in Q4 2014. He delivered a reduced Brokerage service to plan consisting of 42 Trading and Operations employees to close and transfer dissenting customer accounts.

Oct 2013 – Dec 2013FATCA Trusts Lead – Coutts WealthKevin was employed as a hybrid senior PM / BA for Coutts Wealth in the private banking and international Wealth Change team and was tasked to deliver the Trusts classification and reporting for the Foreign Account Tax Compliance Act (FATCA) for go-live on 01/07/2014. Deliverables included business focussed requirements, design, MI, business readiness and implementation for both the independent UK and International trust businesses, impacting changes to new business onboarding and KYC / AML systems using a local adaptation of Agile.

Feb 2012 – Oct 2013 (2 renewals)FATCA Lead Business Analyst – Lloyds Banking GroupKevin was employed as the Lead Business Analyst within LBG’s Global Payments Group working in the International Banking and Delivery team for the Foreign Account Tax Compliance Act (FATCA). FATCA is complex worldwide USA IRS tax regulation to ensure US citizens don’t avoid paying tax.

Primary BA to deliver FATCA to LBG / Sainsbury’s Bank joint venture and Verde (TSB Bank). Responsible for requirements, design and delivery for International and UK trusts and funds

across LBG international wealth divisions in Geneva, Jersey and UK. This is a difficult area for tax legislation due to its innate complex structures and its use as a tax avoidance vehicle.

The role was particularly challenging as the trusts and funds workstream was initially out of scope. The key was to make the complex appear simple, not easy as trusts lacked clarity in the draft regulations and HMRC guidance.

This was successfully achieved due to the facilitation and stakeholder management of both Kevin and his Senior PM, albeit with extensive challenges due to initially working to draft IRS regulations then latterly to a UK Inter-Governmental Agreement (IGA) with the IRS.

C0 - PUBLIC2

My Trusts & Funds TOM, requirements, detailed process flows and BRD’s have been successfully signed-off to plan as the programme moves into a complex implementation assurance and oversight role across all LBG banking divisions with multiple stakeholders in different countries, many of whom are Directors. Key stakeholders were running the Trusts businesses in Switzerland and Jersey, and Fund Managers primarily in LBG Wealth and Scottish Widows. Kevin ran numerous process, data and trust and funds workshops to understand how their businesses were to be impacted by FATCA.

Oct 2011 – Jan 2012Business Analyst – Barclays WealthKevin was employed as a Business Analyst in Barclays Group Treasury, working on Liquidity Risk and Interest Rate Risk (IRR) within Asset Liability Management.

He worked with key stakeholders and SME’s across all global groups of the bank to analyse data balance sheet requirements & processes iaw Sarbanes Oxley and Basel III.

The end deliverables were customised internal and FCA reports for FTP, IRR and Liquidity risk for each global group to document the Non-Income specification for 7 global clusters.

He delivered a high quality document on time to Treasury IT detailing account mappings and MI from SAP to QRM that IT needed for build.

Aug 10 – Oct 11 (4 renewals)Project Manager / Business Analyst – Lloyds TSB Wholesale IntegrationKevin worked as a BA in the LBG Wholesale Migration and Integration team as part of the banks Business Support Unit (BSU) to migrate HBOS customers onto the LTSB platforms. The BSU's role is to provide business support to the Wholesale distressed debt portfolio by assisting Commercial through to large global corporate companies by re-structuring their impaired assets or managing debt recovery. The BSU is one of the most complex operational environments in European banking, managing distressed debts of circa £85 billion.

My role was to ensure both LTSB & HBOS heritage banks adopted consistent processes to input and manage data when transferring impaired cases from mainstream into the BSU.

The success of this task led to his move to Project Manager of the complex data migration of Relationship Managers customers and accounts of HBOS heritage systems to LTSB systems. I managed 4 data analysts and set-up a network of 11 senior managers as business data champions.

The role was both challenging and rewarding and successfully resolved many varied data problems and MI queries prior to and post the highly successful major migration event in September 2011.

Sep 09 – Aug 10 (3 renewals)Senior Business Analyst / Project Manager – Lloyds TSB Retail Internet

Employed as a hybrid business BA/PM on Galaxy as part of LTSB’s new £250m strategic internet banking platform that went live in July 2010. His specific role was the detailed data and process mapping of new regulatory requirements and writing BRD’s to meet the Competition Commission compliance requirements for Credit Cards and Loans for PPI staying true to the ‘customer experience’.

Worked with LTSB’s senior business reps in Digital Banking, legal, compliance, customer experience, and IT to provide a pragmatic solution to meet the TOM. LBG later withdrew from the PPI market.

Kevin then addressed the impacts of the ‘EU Consumer Credit Directive (CCD) on Galaxy’.Sep 08 – Sep 09 (3 Renewals)Business Analyst – Capita (CFS) TransformationEmployed by Capita as a business focussed Life and Pensions BA for Coop Financial Services a for a large multi-client transformation outsourcing migration programme on the Elixir platform using RAD.

BA for the business process change and producing the TOM and BRD’s for all Death Claims, Critical Illness Claims, Maturities and Surrenders processing within claims operations and services.

Feb 08 – Aug 08 Lifetime – Norwich UnionBusiness Analysis (1 renewal) WRAPFinance Change BA for Lifetime, a Life & Pensions WRAP company owned by Norwich Union.

His primary task was to fix and improve fund rebates via GL for NU Insured investment products. The fund rebates project was a 'materiel issue' with the FSA requiring sensitive risk management.

Nov 07 – Jan 08 InfoCompBusiness Analyst – WRAP PrudentialInfoComp worked with the Prudential to supply an internet Wealth Management Software Platform for Pensions & Investments Wrappers. The contractors were replaced with permanent staff for training in Australia. Jul 07 – Oct 07 Barclays Business Banking (Canary Wharf)Change Acceptance ManagerKevin represented Barclays Medium Business network sales teams across the UK. Oct 05 – Jul 07 Norwich Union & Royal Bank of Scotland (Bancassurance – Life & Pensions)

C0 - PUBLIC3

Business Analysis / Project Manager (6 renewals)Senior BA/PM working on the Pensions Joint Venture between Norwich Union and RBS to deliver an integrated workflow using QMS and RAD (Agile) for SIPP Pensions and Bonds to 600 staff.Aug 02 to Sept 05 Intelligent Process Solutions Limited (iPSL) Business Change Manager / Business Analyst (4 renewals)Kevin was employed as a BA on a major outsourcing joint venture migration for 80% of UK cheque payments.

He was elevated to Business Change Manager and successfully managed 8 BA’s using RAD (Agile).Oct 01 to Jun 02 Royal Bank of Scotland (1 renewal)He analysed and documented migration transitional business processes for interest and charges.Jul 01 to Sep 01 Egg Invest (Internet)Kevin produced re-engineered business and operational process for Egg Invest Funds Supermarket (ISA/PEP).Apr 01 to Jun 01 MBNA BankProject managed and successfully delivered two credit card work packages to plan.

Apr 95 to Apr 01 IBM Business Analyst RolesApr 00 to Apr 01 Cahoot Retail Internet BankLead Business AnalystKevin was Lead BA for 'cahoot' business managers and IBM partners to deliver a new internet bank to market.Nov 99 to Mar 00 HypoVeriens Bank Retail Bank, MunichCorebank SpecialistKevin performed 2 key client interfacing roles on the Corebank feasibility study and detailed gap analysis.Jul 99 to Oct 99 NatWest BankInternet Business Analyst / Test SpecialistResponsible for analysing, scripting and testing a new internet web migration for retail banking and investments.Oct 97 to Jun 99 Corebank - Denmark and GermanyBusiness Analyst and Test SupportKevin was a trouble shooting Corebank specialist providing business support and problem solving. Jul 95 to Sep 97 Midlands ElectricityTeam Leader / Business AnalystHe led a team of 24 professionals for Customer Service System for the de-regulation of domestic electricity.Jun 85 to Apr 95 Royal Air ForceRoyal Air Force - Senior Avionics Manager / Business AnalystKevin was Senior Avionics Manager on 617 (Dambuster) Squadron with Tornado aircraft, managing 50 staff. He then spent 5 years as an RAF Business Analyst using SSADM working on a £250m IT transformation programme in the MOD.

EDUCATION / QUALIFICATIONSMasters in Business and Administration December 1994 Open UniversityBachelor of Arts December 1987 Open UniversityAwards Received:IBM Senior IT Specialist – Business Analyst – July 1998RAF Air Officer Commanding Commendation – January 1995 New Year’s Honours List

C0 - PUBLIC4