About us

The D3P team has the knowledge and experience gained through decades of involvement in the pensions industry and will help you diagnose, design and deliver a world class pensions system that will deliver positive outcomes for citizens and governments.

Diagnosis – investigating all drivers of pension outcomes including macroeconomic and poverty impacts, to strategy, regulation, supervision and operations.

Design – creating pension value-chains, policy and regulations that drive greater coverage and brings world class efficiency, member focus and security.

Delivery – we deliver the change you need. D3P delivers benefits that last. We can design your implementation strategy to managing the implementation to live operations.

Team members have worked all over the world, from the EU and wider-Europe, Africa, South and East Asia, North America, Latin America, Australasia and Middle East and have worked on all types of pension systems from Defined Benefit to Defined Contribution and from Mandatory, Automatic Enrolment and Voluntary pillars.
Will Price, CEO

CEO William Price is a global pension expert who has worked for the World Bank, UK Treasury, UK Pension Regulator and in collaboration with the OECD and International Organization of Pension Supervisors (IOPS). He has worked with governments throughout the world to design systems that improve pension outcomes, focusing on regulation and supervision, market structure and investment strategy. He co-created the Outcomes Based Assessments (OBA) and Outcomes and Risk Based Supervision (ORBS) models for pensions and has published extensively on a wide range of pension issues including the recent book “Saving the Next Billion from Old Age Poverty”, as well as speaking regularly at conferences across the world. An economist by training, his career included three Budgets as Private Secretary to Gordon Brown and leading the Assets, Savings and Wealth team at the UK Treasury. His financial policy expertise combines with past roles on development, macroeconomics and growth. He was previously Head of Policy at the UK's Pensions Regulator and a global pension expert at the World Bank. He is currently a Program Leader and Advisory Board member of the Insurance and Pensions programme of the Toronto Centre for Global Leadership in Financial Supervision and an Ambassador for the Transparency Taskforce. He gained his first degree from Oxford University and has a Masters in Economics from University College London.

Darren Ryder, President

President Darren Ryder has a wealth of experience working globally designing and delivering pension reform. He played a major role in the success KiwiSaver in New Zealand and Automatic Enrolment in the United Kingdom. Darren has worked globally sharing his expertise through involvement at World Bank conferences, as Expert Panel member for the World Economic Forum, involvement in a range of international workshops/conferences in countries such as USA, Georgia and India, to the recent publication of “Saving the Next Billion from Old Age Poverty”. His career has seen him in a number of key roles in the New Zealand Tax office, National Manager of KiwiSaver NZ to Director of Automatic Enrolment at the Pensions Regulator in the UK. He has years of experience running major reform programme, bringing policy and operations together to design and deliver efficient effective operating models. He gained an Executive Masters in Public Administration through Victoria University NZ.

Evan Inglis, Associate Director Actuarial and Investment

Evan is an actuary and thought leader on financial and investment issues for retirement programs and pension plans. He is an independent consultant with over 30 years of experience and is a frequent speaker and writer on a wide variety of investment and pension issues and ideas. He has experience working on pension actuarial and investment issues in Costa Rica, Egypt, India, Indonesia, Rwanda, Norway and Sweden. Evan worked as an institutional solutions specialist at Nuveen Asset Management where he implemented liability-driven strategies for both public and private pension plan clients. He served as chief actuary at Vanguard where he advised corporate pension clients on liability-driven investment strategies and was a resource for institutional clients on pension and related issues. Evan spent the first part of his career with Watson Wyatt (now Willis Towers Watson) where he served in various capacities including as lead actuary for the General Motors pension account, Global Director of Quality and as a senior consultant in the Oslo, Norway and Stockholm, Sweden offices. Evan has served in significant leadership roles within the U.S. actuarial profession. He currently serves on the Board of Actuaries for the Civil Service Retirement System, covering all federal government employees in the U.S. He was on the Society of Actuaries Board of Directors from 2012 – 2014 and the American Academy of Actuaries Public Interest Committee from 2015 - 2018. Previously, he chaired the Pension Finance Task Force, jointly sponsored by the Society and the Academy. He served on the Pension Practice Council of the Academy and the Pension Section Council of the Society, and has contributed to numerous other research and advocacy efforts within the profession. He established and was the initial chair for the Continuing Education Committee for the Investment Section of the Society of Actuaries. Evan is a Fellow of the Society of Actuaries and a CFA Charterholder. Evan is a thought leader in the pension, investment and retirement industry, writing and speaking frequently on various topics. He wrote early industry papers on pension immunization strategies and investing for pension plan terminations and cash balance plans. Some of Evan’s recent contributions include:  How Old is Your Pension Plan? Matching Pension Investing to Plan Demographics (Nuveen Asset Management, 2018)  Demographic-Based Investing for Public Pension Plans (Nuveen Asset Management, 2018)  Paying the Pension: Markets Products and Choices, co-author of this chapter in Saving the Next Billion from Old-Age Poverty (PinBox Solutions, 2017)  Feel Free Retirement Spending Strategy, first prize essay in Society of Actuaries competition on Diverse Risks in Retirement, 2016  Risk-Sharing Plan Designs - A Look at Variable Annuity Plans and Other Emerging Pension Plan Designs (Society of Actuaries Annual Meeting, 2013)  A Risk-based Framework for Pension Decision-making (Contingencies Magazine, 2013)

Dr. Anca Podpiera, Associate Director Macroeconomics

Anca Podpiera is a macroeconomist and development expert with a specialism in financial markets, financial stability, stress testing and financial supervision, with numerous publications in peer reviewed journals and working papers. After lecturing in economics, she worked at the Czech National Bank in the modelling, forecasting and monetary analysis divisions before undertaking a wide-range of projects for the World Bank including as a macroeconomic consultant on the 2014 World Development Report, 2014 “Risk and Opportunity: Managing Risk for Development”. She has worked on numerous projects in Europe, Central Asia and South Asia including: the evaluation of macroprudential stress-testing approaches of central banks in Central and South Eastern Europe; analysis of drivers of changes in the institutional structures for prudential and business conduct supervision of financial services; and the program for the modernization of the financial sector in Sri Lanka. In addition, she has worked on the IMF/World Bank Financial Sector Assessment Program reviews for Macedonia, Sri Lanka and the Maldives. She has a BA from the Academy of Economic Studies, Bucharest and an MA and PhD in economics from Charles University in Prague, Czech Republic and has publications including: • “Financial Sector Strategies and Financial Sector Outcomes: Do the Strategies Perform?” (with M. Melecký), World Bank Policy Research Working Paper Series 8315, 2018; • “Banking Competition and Cost Efficiency: A Micro-Data Analysis of the Czech Banking Industry” chapter in Joseph E. Brada and Paul Wachtel, Global Banking Crises and Emerging Markets, Palgrave Macmillan, 2016 (with L. Weill and F. Schobert); • “The Social Impact of Financial Crises: Evidence from the Global Financial Crisis” (with I. Ötker-Robe), World Bank Policy Research Working Paper Series 6703, 2013; • “What we know about monetary policy transmission in the Czech Republic: Collection of empirical results” (with O. Babecká, M. Franta, D. Hájková, P. Král, I. Kubicová, B. Saxa), Czech National Bank Research Policy Note 1/2013; • “Institutional Structures of Financial Sector Supervision, Their Drivers and Emerging Benchmark Models” (with M. Melecký), Journal of Financial Stability, 2013; • “Heterogeneity in Bank Pricing Policies: The Czech Evidence” (with R. Horvath), Economic Systems, 36 (1), 2012. (Also, Czech National Bank WP No.8/2009); • “Banking Competition and Cost Efficiency: A Micro-Data Analysis of the Czech Banking Industry” (with L. Weill and F. Schobert), Comparative Economic Studies, 50(2): 253-273, 2008. (Also, Czech National Bank WP No. 6/2007).

Ernesto Brodersohn, Media Partner Pension Policy International and Coverage

Ernesto is the Founder and CEO of Pension Policy International and an independent consultant engaged in various projects for the pension fund management industry. From 2003 through 2016 he worked at Consar, the pension’s supervisory and regulatory authority in Mexico, where held the position of General Director of Regulation and Financial Inclusion. He was responsible for regulatory changes and implementation of pension regulation reforms. These included the public-sector pension reform of 2007 and various regulatory amendments focused on reducing overall long-term financial sector costs while providing safety and improving overall processes for individuals. He coordinated the pension related reforms with the different Social Security Institutes. Before becoming a regulator, he was a consultant for more than 8 years in different firms in the US. He has participated in numerous conferences with the World Bank, as well as in events from the International Center for Pension Management, Inter-American Development Bank, among others. He is a lecturer at internationally renowned courses such as the Core Course on Pensions for the World Bank, and New Paradigms of Financial Inclusion for the Boulder Institute of Microfinance. He holds a Masters degree from the University of Southern California (USC), and a Bachelors degree from the Instituto Tecnológico Autónomo de México (ITAM).

Dr. Renuka Sane, Senior Adviser Investment Retirement Modelling

Renuka Sane's research interests are in household finance, especially on household choice in financial instruments such as credit, pensions, insurance and equity markets, as well as consumer protection in finance. She is also interested in research and policy on the criminal justice system in India. She is a member of the Pension Advisory Committee of the Pension Fund Regulatory Development Authority (PFRDA). She has a PhD in Economics from the University of New South Wales and holds an M.A. in Economics from Mumbai University.

Dr. Javier Bronfman Horovitz, Associate Director Poverty, Analysis and Evaluation

Dr. Javier Bronfman Horovitz was born in Santiago, Chile. He graduated with a degree in Economics from the Universidad de Chile in 2001, received his Master of Public Administration in 2007 from the Robert F. Wagner Graduate School of Public Service at New York University in 2014, and was awarded a PhD in Public Administration from American University in Washington D.C. in 2014. He is currently a Professor of Public Policy at Universidad Adolfo Ibáñez. He was a Fulbright scholar at NYU from 2005 to 2007, and has worked as an economist at the World Bank and a consultant for several governments and international agencies, including the United Nations Development Program and the Inter-American Development Bank. His research focuses on poverty, vulnerability, and social program analysis.  Dr. Bronfman has publications including: - “Existing Challenges to Optimize Social Protection Programs and Reduce Vulnerability in Latin American and the Caribbean” Bronfman, J. 2018 Under consideration CEPAL Review - “Inclusion of the Self-Employed in the Pension System in Chile ” Bronfman, J and Reyes, G. in “Saving the Next Billion from Old Age Poverty, global lessons for local action” Khanna, P., Price, W. and Gautam, B. Eds. Narosa Publishing House. 2017 - “Nepal Poverty Alleviation Fund, Project Performance Assessment Report” Bronfman, J and Bardasi E., 2017 World Bank, Washington, D.C. - “Organismos independientes para el análisis presupuestario y económico: Una propuesta para Chile” Bronfman, J. Espacion Público. Documento de Referencia N°31. 2016  - “Poverty, Vulnerability and Resilience to Economic Shocks: Simulating the Impact of Social Programs in Jamaica.” Bronfman, J and Reyes, G. 2015 World Bank, Working paper - “Panama” Reyes, G and Bronfman, J., in “Beyond Contributory Pensions: Fourteen Experiences with Coverage Expansion in Latin America” Rofman, R., Apella, I. and Vezza, E. Eds. World Bank 2103, pp. 351-372. Washington D.C.   - “Trinidad and Tobago” Reyes, G and Bronfman, J., in “Beyond Contributory Pensions: Fourteen Experiences with Coverage Expansion in Latin America” Rofman, R., Apella, I. and Vezza, E. Eds. World Bank 2103, pp. 425-459. Washington D.C.   - “Poverty and Vulnerability in Indonesia: Assessing Long Term Dynamics and Determinants using the IFLS Panel Data 1997-2000-2007” Bronfman, J and Bah, A. TNP2K Working Paper – 2013, Jakarta, Indonesia. - “A Systematic Approach to Select the Indicators to Use in a Proxy-Means Test Formula. Evidence from Indonesia” Bah, A and Bronfman J. TNP2K Working Paper – 2013, Jakarta, Indonesia. - “Health Insurance Choice, Moral Hazard and Adverse Selection: A Study of the Chilean Case Using Panel Data” Bronfman, J. The Public Purpose, Vol. IX, spring 2011, pp. 33-48. - “Renewing Primary Health Care in the Americas: Primary Health Indicators” Macinko, J. and Bronfman, J. PAHO, June 2006. - “Trust, Human Capital and the Domestic Servants´ Labor Market in Chile” Paredes and Bronfman 2003. Presented at the Network of Inequality and Poverty session 2003 and LACEA 2003 at Universidad de las Americas Puebla, Mexico.

Greg Brunner, Associate Director Regulation and Supervision

Greg Brunner’s early career was in the Reserve Bank of Australia (RBA). After two decades with the RBA, including a secondment to the Bank of England in London, Greg transferred to the Australian Prudential Regulation Authority (APRA) on its establishment in 1998. Greg subsequently held several executive positions in APRA, covering policy development and supervisory support. Greg also spent two years with the World Bank in Washington DC working on pension-related matters. Greg has been closely involved with prudential reform of the pensions sector in Australia over the past fifteen years and was the Chair of APRA’s (cross- divisional) superannuation (pensions) industry group from 2011 to 2016. Greg has represented Australia at the OECD Insurance Committee and Working Party on Private Pensions and was involved in the establishment of the International Organisation of Pension Supervisors; serving on its Executive and Technical Committees.

Nicky Lumb, Associate Director Sustainability and Development

Nicky has two decades of strategy and transformation consulting experience for small, medium and large organisations in sectors including pensions, health, tax, construction and not for profit. She specialises in designing implementable transformations and is known for bringing a people perspective that helps the design and communication of the new vision at all levels of the organisation. Previous projects include redesigning tax administration in the construction sector; designing strategic plans for local health procurement; organisation design for a not for profit in Brazil and designing an accelerated solutions event for a new approach to corporation tax using e-services. She has also led local government transformation programmes, and was responsible for creating Capgemin’s UK and Ireland three-year strategic plan. She is a graduate of Oxford University, where she read Philosophy, Politics and Economics.

John Ashcroft, Associate Director Regulation & Supervision

Following a career in the UK’s National Audit Office, John Ashcroft held a number of senior strategy and policy positions at the UK Pensions Regulator from 2003-2008, during which time he was the first President of the International Organisation of Pension Supervisors (IOPS). He is now an independent consultant specialising in the regulation and supervision of private pensions worldwide, a member of the Toronto Centre for Global Leadership in Financial Supervision Pension and Insurance advisory panel and has presented on numerous pension courses and conferences over five continents. His assignments for the IOPS and OECD have included authoring or co-authoring several working papers on pension supervision. He has delivered projects for the World Bank, Inter-American Development Bank and European Commission to enhance risk-based pension supervision and legislation in numerous countries including Albania, Brazil, Chile, Costa Rica, Guyana, Macedonia, Mexico and Turkey. He co- authored the World Bank’s Outcome Based Assessment Framework for pensions and several of its publications on implementing risk-based supervision. He is a graduate of Oxford University and a Chartered Public Finance Accountant.

Lois Goh, Adviser, Communications

Lois Goh works in Online Communications for the World Bank’s Social, Urban, Rural and Resilience Global Practice. She started out as a copywriter for a digital agency, writing copy for the Singapore government, and later worked with the Digital Media and Editorial team at the Smithsonian’s National Museum of American History. She has also worked with various public affairs firms (on everything from media monitoring for the Lebanese Finance Minister to lobbying for farmers.) - the most recent being The Incite Agency headed by former White House Press Secretary, Robert Gibbs. Lois received her M.A. in Communication, Culture & Technology from Georgetown University in Washington D.C., her B.A. in Communication from Flagler College in Florida, and her Diploma in Law and Management from Temasek Polytechnic in Singapore.

Dr. Thulaisi Sivapalan, Research Associate

Thulaisi has a PhD from UTS Australia and is a Pensions Specialist who conducts macro analysis on Australia’s Retirement Income system and investigated the impact of tax efficiency to provide analysis and advice to the Australian Superannuation industry. His is an experienced researcher skilled in gathering, compiling, analysing and interpreting qualitative and quantitative data to generate insights to develop innovative solutions to challenges, defend policy advice and create original knowledge. Thulaisi demonstrated academic and practice based research capabilities including data driven analysis, senior stakeholder management and intrinsic motivation to perform to a high standard. Particular areas of interest include superannuation, economics, retirement income systems, asset management, healthcare economics, tax, and management controls and strategy.

Dr. Olga Fuentes, Associate Director for Research, Regulation and Supervision

Olga Fuentes is a pension and labour expert with extensive experience in the global research, regulation and supervision of pension and unemployment insurance systems. She is currently Head of Strategic Research and International Affairs at the Chilean Pension Regulator and was previously Deputy Chair of Regulation and Head of the Research Division. She is Vice-President of the International Organization of Pension Supervisors (IOPS) and the delegate of the Chilean government to the OECD Working Party of Private Pensions. She has collaborated with OECD and IOPS on many research papers. Previously, she was Senior Advisor to the Minister of Finance between 2007 and 2009 following work as an Economist at the Central Bank of Chile in the area of International Finance and as a Research Analyst at a major Chilean Stockbroker. She has been a consultant for the IADB, speaker in international conferences, lecturer in economics and finance in Chile and the United States, and author of papers and articles in the areas of pensions including on investment, risk, financial education, experimental evaluations, unemployment insurance, labour, applied micro-econometrics and applied macroeconomics. She has a first degree in Economics and a master’s degree in Finance from the University of Chile. She holds a PhD. in Economics at Boston University.

Dr. Bei Lu, Advisor to D3P Global

Dr. Bei Lu is a CEPAR Research Fellow located in the Australian School of Business at the University of New South Wales, an adjunct Research Fellow with Zhejiang University, and Tsinghua University, China and an academic adviser to D3P Global. She has worked for many years in pensions and health issues, creating and building strong international links. In 2003, she initiated a research project with the provincial government of Zhejiang province, China, which examined the impacts of various pension reform proposals in that province. This has formed the basis of an ongoing engagement with pension economists, long term care researchers and policy makers, especially in China. She assisted the World Bank’s China pension projects in 2004 and 2016, and United Nations’ project on Population ageing and fiscal sustainability in East Asia and Pacific in 2017. Her research has appeared in a range of journals, including the Journal of Aging and Social Policy, International Social Security Review, the Journal of the Economics of Aging, Population Review, and CESifo Economic Studies and Health and Social Care in Community. She has also published a number of articles in Chinese books, newspapers and journals. Previously, she was Senior Advisor to the Minister of Finance between 2007 and 2009 following work as an Economist at the Central Bank of Chile in the area of International Finance and as a Research Analyst at a major Chilean Stockbroker. She has been a consultant for the IADB, speaker in international conferences, lecturer in economics and finance in Chile and the United States, and author of papers and articles in the areas of pensions including on investment, risk, financial education, experimental evaluations, unemployment insurance, labour, applied micro-econometrics and applied macroeconomics. She has a first degree in Economics and a master’s degree in Finance from the University of Chile. She holds a PhD. in Economics at Boston University.

Maurice Lawlor, Associate Director Regulation and Operations

Maurice Lawlor has had a long and successful career with the Inland Revenue Department in New Zealand. An accomplished senior operational manager and authentic leader with extensive public sector knowledge, experience in executive roles and in navigating the machinery of Government. Has a proven record in delivering results and developing strategic solutions to a wide range of complex issues across a diverse range of business Has proven experience as a steward of key social policy and tax products and processes with personal responsibility for KiwiSaver and Student Loan products in New Zealand. A trusted advisor to Government Ministers around performance and policy issues. He has had many years of governance experience, sponsoring projects and membership of steering committees for large projects. Represented Inland Revenue NZ at international tax conferences focused on global tax/social policy issues, problems and best practice including OECD Global Symposium on Financial Education “Today vs. Tomorrow”. Has utilised specialist knowledge and vast experience to build compliance and lead change at operational and strategic levels within community, business sector and across government. Previously, she was Senior Advisor to the Minister of Finance between 2007 and 2009 following work as an Economist at the Central Bank of Chile in the area of International Finance and as a Research Analyst at a major Chilean Stockbroker. She has been a consultant for the IADB, speaker in international conferences, lecturer in economics and finance in Chile and the United States, and author of papers and articles in the areas of pensions including on investment, risk, financial education, experimental evaluations, unemployment insurance, labour, applied micro-econometrics and applied macroeconomics. She has a first degree in Economics and a master’s degree in Finance from the University of Chile. She holds a PhD. in Economics at Boston University.

Richard Fullmer, Associate Director of Research, Longevity and Fintech

Richard Fullmer is a pension researcher and fintech entrepreneur. His three decades of experience includes actuarial work in the insurance sector, the development of quantitative portfolio models at Fidelity Investments, and senior multi-asset portfolio strategy roles at Russell Investments and T. Rowe Price. He is also founder of Nuova Longevità Research, a global pension research and consultancy firm that specializes in innovative methods of longevity risk sharing within defined contribution schemes. Richard has written extensively on longevity and sustainability risk, tontine finance and mortality-pooled investment design, portfolio strategy, spending strategy, and insurance strategy. Mr. Fullmer is a recipient of the Edward D. Baker III Journal Research Award from the Investments and Wealth Institute, a member of the Advisory Board of the Journal of Retirement, and he has served as a senior partner to the Wharton Pension Research Council at the University of Pennsylvania. He earned a M.Sc. degree from Boston University and is a Chartered Financial Analyst. His publications include Tontines: A Practitioner’s Guide to Mortality-Pooled Investments (CFA Institute Research Foundation Briefs, July 2019); Individual Tontine Accounts, 19(8) Journal of Accounting and Finance (Dec. 2019); A Framework for Portfolio Decumulation, 10(1) Journal of Investment Consulting (Summer 2009); Defaulting Retirement Distributions Out of Defined-Contribution Plans, 3(3) Journal of Retirement (Winter 2016); and State-Sponsored Pensions for Private Sector Workers: The Case for Pooled Annuities and Tontines, University of Pennsylvania Wharton Pension Research Council Working Paper (2020).

Nick Sex, Associate Director Design, Operations, and Delivery

An experienced board level delivery executive and programme director with significant international experience of large-scale mass-market pensions systems and a background in both blue chip consultancy and smaller start-up organisations. Focussed on significant scale business setup, fast growth, and operational execution. Nick has a rounded international career covering a variety of roles and industry sectors over an approximately 30-year period. Roles include various CXO level positions with experience of both large and small-scale business setup and programmes. Nick has more than 25 years in the financial and pensions industry, including a number of years on the executive team at NEST (www.nestcorporation.org.uk), a key element of the UK government's pensions related Automatic Enrolment Programme. Up until end 2021 Nick was interim CEO at the eMPF Platform Company in Hong Kong, a critical part of the Hong Kong government's initiative to standardise, streamline and automate administration of MPF pension schemes in HK SAR. More recently Nick has completed work for the World Bank and D3P Global in a number of countries internationally as well as continuing to provide design and delivery support to NEST on a consultancy basis.

Manuel García Huitrón, Associate Director of Pension Design, Reform and Innovation

Manuel has over 20 years of experience in pensions. He is a Co-founder of the global PensionTech startup “Nuovalo: modern longevity risk sharing architecture and technology.” Previously, he worked at the Inter- American Development Bank, the International Finance Corporation, the World Bank, APG, and Afore XXI-Banorte in the pensions industry. From 2017 to 2020, he was a technical advisor of the Pensions in Latin America and the Caribbean Network, a platform comprising pension regulators across Latin America. Manuel is an economist with degrees from ITAM, Yale University, and the University of Tilburg. His publications have influenced governance and regulatory reforms towards better industrial organizations and goals-oriented life-cycle investing in second pillars. He has also published on the future of work and pensions, ESG investing, and innovative decumulation products such as modern tontines. He is a member of the International Advisory Board of the World Pension Summit (Netherlands), the Aging Finance platform (Singapore) and the Mercer-CFA Global Pensions Index (Australia).

Dr. Emiko Caerlewy-Smith, Associate Director Innovation, Operations and ESG

Dr. Emiko Caerlewy-Smith is an international wealth management and pensions specialist with over 15 years' experience. She is the founder & CEO of KIT Consulting (kitconsulting.je), a financial services management consultancy with a focus on ESG integration and sustainable investment. Previously, she was Chief Operating Officer for Barclays, Channel Islands and set up an international retirement planning business for Lloyds Bank. Earlier, Emiko was a UK-based pensions researcher, analyst and consultant, working for the National Association of Pension Funds, UK Pensions Regulator and PwC. Emiko was a founding Committee Member of Jersey Pensions Association from 2014 - 2017, working alongside Government and industry to build a forward-looking legislative framework for international pensions. She was also Vice President of Jersey Bankers Association from 2016 – 2018 and Chair of the IoD Jersey Diversity & Inclusion Committee from 2019 - 2020. Emiko has an Oxford University DPhil (PhD) in the behavioural economics of pension fund trustee investment decision-making.

Karen Johnston, Associate Director of Regulatory Law and Enforcement

Karen is a qualified lawyer with over 25 years expertise in the development and deployment of enforcement sanctions and consumer remedies. She is a member of the UK’s Financial Conduct Authority’s Regulatory Decisions Committee (since 2016) and a former Deputy Pensions Ombudsman (2015-2021). She was previously the UK Pensions Regulator’s lead adviser on strategic legal risk responsible for advising on the development and implementation of new legislation, regulatory codes and industry guidance. She worked extensively on the design of the UK system of autoenrolment, leading the development of the Regulator's compliance and enforcement strategy and delivering its operational enforcement capability. She spent the earlier part of her career implementing EU level consumer protection laws and conducting enforcement casework for the UK Office of Fair Trading after six years in private practice as a common law barrister at 36 Bedford Row.

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