
Stefan Tomas
A tenacious and entrepreneurial Director Level Operations, Change & Risk specialist with enviable operations leadership, change, strategy, regulatory,... | Greater Cheshire West and Chester Area, Greater Cheshire West and Chester Area, United Kingdom
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Stefan Tomas’s Emails st****@ma****.com
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Stefan Tomas’s Location Greater Cheshire West and Chester Area, Greater Cheshire West and Chester Area, United Kingdom
Stefan Tomas’s Expertise A tenacious and entrepreneurial Director Level Operations, Change & Risk specialist with enviable operations leadership, change, strategy, regulatory, compliance, collections and credit risk experience gained in the financial services industry, largely for blue chip organisations that include First Direct, HSBC, M&S Bank, Barclays Bank, Santander, Bank of America and Sainsbury's Bank. Persuasive and capable of far-reaching decision-making, astutely identifies opportunities to drive competitive advantage, shaping processes and leading transformation initiatives that add value and facilitate a high-performance culture. Actively engages with business partners at all levels and is adept at empowering teams across multiple functions and locations. Specialising in all areas of Collections, Recoveries, Operational Change, Credit Risk, Regulatory, Operational Leadership, Risk, Compliance and Redress. Significant knowledge of retail/business banking and retail finance together with the associated regulations; including Mortgages (MCOB, MMR), Unsecured lending (CONC, CCA3, LSB), FCA SYSC, FOS, FLA. Experience of dealing with regulators face to face and during periods of oversight. Demonstrates a deep expertise in the implementation of large-scale regulatory, remediation and change programmes across a wide range of operational processes; resulting in operational improvements/efficiencies and adherence to regulatory requirements supported by robust and sustainable control frameworks, reduced process risks and subsequent operational control improvements. Proven ability to identify, remediate and prevent risk events and issues through the creation of Risk and Control frameworks, RCSA, enhanced monitoring and reporting from a 1st line and 2nd line perspective.
Stefan Tomas’s Current Industry First Direct And M And S Bank
Stefan
Tomas’s Prior Industry
Bank Of America
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Barclaycard
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Banco Santander
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The Co Operative Banking
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The Co Operative Bank
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Barclays
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Home Retail
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Sainsburys Bank
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M And S Bank
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First Direct And M And S Bank
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Work Experience

First Direct And M And S Bank
Head of Collections & Recoveries at First Direct and M&S Bank
Wed Sep 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
M And S Bank
Head of Collections & Recoveries
Wed Jan 01 2020 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Oct 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time)
Sainsburys Bank
Regulatory Programme Business Lead (Interim)
Sat Apr 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed Jan 01 2020 00:00:00 GMT+0000 (Coordinated Universal Time)
Home Retail
Head of Collections & Recoveries Credit Risk (Interim)
Fri Apr 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Apr 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time)
Barclays
Head of Collections & Recoveries regulatory change, transformation, and customer outcomes (Interim)
Mon Jun 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Apr 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time)
The Co Operative Bank
Head of Collections and Recoveries (Interim)
Thu Jan 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Jun 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time)
The Co Operative Bank
Head of Collections & Recoveries Unsecured Arrears Policy, Regulatory Change (Interim)
Sat Mar 01 2014 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Dec 01 2014 00:00:00 GMT+0000 (Coordinated Universal Time)
The Co Operative Banking
Operational Risk, Control and Regulatory Change Lead for Unsecured and Secured arrears (Interim)
Fri Mar 01 2013 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Mar 01 2014 00:00:00 GMT+0000 (Coordinated Universal Time)
The Co Operative Banking
PPI Programme Manager (Contractor)
Sun Jul 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Apr 01 2013 00:00:00 GMT+0000 (Coordinated Universal Time)
Banco Santander
Head of Operational Risk & Control (interim)
Wed Feb 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jul 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time)
Barclaycard
Operational Control Design Manager (Contractor)
Thu Dec 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed Feb 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Head of Collections Quality, Control and Regulatory Change Management - Europe
Fri Aug 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jan 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Head of Loss Prevention Management Information
Tue Aug 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Aug 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Senior Outsourcing and Strategy manager
Sun Aug 01 2004 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Aug 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Senior early stage collections manager
Fri Aug 01 2003 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Aug 01 2004 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Outsourcing strategy project manager
Thu Aug 01 2002 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Aug 01 2003 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Inward call centre manager
Thu Jun 01 2000 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Aug 01 2002 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of America
Management Development graduate
Mon Mar 01 1999 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed Dec 01 1999 00:00:00 GMT+0000 (Coordinated Universal Time)