Q1 Mortgage Newsletter 2024

In the words of the Greek philosopher Heraclitus, “There is nothing permanent, except change”. Since joining the Policy team 18 months ago, that has definitely been the case in respect of regulation! The Policy team examine a staggering amount of information from the FCA, Information Commissioner's Office, Financial Ombudsman Service, Prudential Regulation Authority, Pensions Regulator and HM Treasury, along with many other sources. We also attend conferences, workshops, working groups and webinars. Each week we consider collectively new information, consultations, policy statements and how it will impact our firms, as well as how best to communicate this to you. But, who are Paradigm’s Policy team? Let me introduce myself first. I have been in the financial services industry for over 25 years starting in call centre customer services/support roles. I have worked as a mortgage adviser, financial adviser, paraplanner, file reviewer and also in regulated complaints liaising with the FOS. Many of my roles have included training new recruits, creating training plans, and deputising as manager. My passion is good customer service, or I guess we should call it good customer outcomes now! I started at Paradigm in 2019. You may be familiar with me, having previously been part of the file review team! I moved to the role of Policy Supervisor in 2022 when we brought together a Policy team across different parts of the business to give a more rounded approach to our firms’ needs. My role is to supervise all the work that goes through the Policy team. My claim to fame is that I once travelled by police escort on the Deportivo football team coaches to Old Trafford when they played Manchester United in the 2001 Champions league and won! Meet our Policy Team! 18 SPRING MORTGAGE NEWSLETTER Carmen Bews Policy Supervisor Paradigm Consulting Christine Newell Mortgage Technical Director Christine started her career in financial services in 1990. Her roles have included, mortgage and endowment adviser, field and regional trainer, District mortgage sales manager, BDM and a National manager supporting packaging and subprime lender relationships within a large banking group. Christine joined Paradigm at its infancy in 2007 as a relationship manager and became Mortgage Technical Director for Paradigm in 2014. Christine is a natural

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