20 December 2021
OAC Christmas Carols 2021
We missed welcoming our friends to Oxford this year for our Dinner and Carols event, however we have again teamed up with the Oxford Girls' Choir to bring you some Christmas joy. The link below is...
Expert opinion when you need it
Our experienced team of actuaries and consultants have been at the forefront of developments in the financial services industry for over 20 years. We provide specialist advice and support to our clients and are always happy to help journalists with expert comments on industry news and trends. OAC is regularly quoted in various industry publications.
For all enquiries from the media and press please contact Frances Smythe, OAC Head of Culture and Organisational Development, either by email to frances.smythe@oacplc.com or by telephone on +44 (0)20 7278 9500.
Meet our experts
Everyone here at OAC are experts in their field. They’re reliable, knowledgeable and, most importantly, approachable. Because when it comes to business, we like to keep things personal and build highly beneficial relationships with our clients. Let us introduce you to five of our experts.
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Darren Richards
- Appointed CEO in 2013, responsible for strategy and vision.
- Joined OAC in 2009 as Head of Financial Modelling, overseeing business development and Mo.net® strategy.
- Fifteen years’ previous experience of financial software development and delivery for many international financial institutions.
- Experience of governance risk and compliance, introducing systems and related services internationally.
- PhD from Cambridge University in Exotic Derivative pricing.
- Chairman of Cambourne Eagles FC.
- Plays for the Caldecote Old Crocs football team. He loves “moving his aging frame” around the football pitch trying to save as many goals as possible, or enduring similar pain watching Leeds United.
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Cara Spinks
- Senior member of the actuarial consulting team and holds roles as Chief Actuary, With-Profits Actuary and Reviewing Actuary.
- Main areas of expertise are regulatory reporting and financial modelling, coupled with 20 years' experience of various aspects of with-profits business.
- Helps embed all aspects of Solvency II for a number of clients.
- Speaker at industry events and has a specific interest in the benefits of, and promotion of, smaller mutuals.
- Member of the Association of Financial Mutuals' Health and Protection Committee, and previously on the Regulation and Governance Committee.
- Outside of work, Cara has completed her Leadership Qualification for Girlguiding and volunteers weekly at her local Rainbow unit.
- Enjoys road trips with her young family in their campervan, playing the piano, long walks in the hills and looking after her garden.
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Christine Rose-Williams
- Highly experienced in handling and managing Regulator led and client internal business reviews of past advice involving financial products.
- Ten years’ corporate and individual pensions marketing and sales development.
- Previously the Product Manager for Group Pensions within a major life office.
- Member of The Personal Finance Society and CII - DipPFS qualified.
- Advanced Financial Planning Certificates G10/G30/G60 (1995/96) and Financial Planning Certificates 1, 2, and 3 (1994).
- Loves food, friends and fresh air!
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Sally Butters
- Over 30 years’ insurance industry experience
- Expert in regulatory reporting and the management of with-profits funds
- Acts as Chief Actuary and Appropriate Actuary to various firms
- Previously held roles of Actuarial Manager, Chief Finance Officer and Chief Risk Officer.
Latest
03 December 2021
The art of data gathering for redress calculations
Data, whether it relates to the Investor, the ceding occupational scheme or the personal pension plan, forms the foundation of a redress calculation. Often, a considerable period of time has elapse...
11 November 2021
Current Issues in Redress - Winter 2021
Review of Redress Guidance FG17/9 The FCA announced on 1 September 2021 that they would be starting a periodic review of the redress guidance FG17/9 by the end of 2021. The timing of the review i...
04 November 2021
What is pensions redress?
The aim of redress is to compensate the customer for the unsuitable advice that they have received from a financial advisor. In a pensions context this includes advice to transfer a defined benefi...
24 September 2021
Transitory Inflation - A Persistency Problem
The combination of rising energy and consumer goods prices is a blow to a vast number of people. David Gray, Consultant Actuary, suggests insurance providers carefully consider the implementation o...
13 September 2021
Understanding the risk associated with Defined Benefit transfer advice
Any firm that provides or has historically provided financial advice in relation to the transfer of Defined Benefit (DB) pensions is exposed to the risk that this advice could, in future, be deemed...
What our clients say
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"OAC’s actuaries provided an independent review of our research into investment strategies for retirement savings. Their specialist expertise and diligence in reviewing our work allowed for an appropriate level of challenge to our methodology and strengthened conviction in our conclusions."