Ben is a Consultant in Bovill’s Prudential team, bringing with him over 11 years of experience gained at a range of top and mid-tier global financial services firms in regulatory strategy and capital management. Prior to joining Bovill, Ben held a number of positions spanning Regulatory Finance, Regulatory Reporting, Capital Management and Risk, focusing on credit risk prudential regulation in both Retail and Wholesale banking. Most recently Ben was a Senior Manager at Lloyds Banking Group specialising in credit risk capital management and strategy, advising on emerging credit risk regulations and capital optimisation across the full range of consumer lending products including the UK’s largest mortgage portfolio, unsecured lending, revolving credit and motor financing. Ben has specific expertise and a specialist interest in crowdfunding and Peer 2 Peer finance and has also held roles working extensively on Pillar 3 disclosures, the Internal Capital Adequacy Assessment Process (ICAAP) and Recovery and Resolution Planning (living wills) including the Bank Recovery and Resolution Directive (BRRD). Ben graduated from Manchester University in 1999 with a Masters in Electronic Engineering and is also a chartered accountant and a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW).