You can download a Microsoft Word (.doc) or Adobe Reader (.pdf) version of my CV below or alternatively read my CV below.

 

“I am an ambitious, well organised and conscientious individual who possesses excellent financial market awareness and communication skills. A self starter with a developed attitude to risk, I can demonstrate the ability to continually develop and build upon technical expertise.  I can work to tight deadlines and manage high volumes in a methodical, organized way”.

 

 

 

PERSONAL

Marital status Single   :   Nationality British   :   Full clean driving licence

 

CAREER HISTORY

 

State Street Bank and Trust  : September 2022 to May 2024 – Tax Officer Global Process Delivery Tax Services

Track progress with Tax Table Review and Re-structuring. Work with offshore teams to ensure all required detail and data is being received in a timely manner for client onboarding and conversion.

To provide support to both the Client Relationship Managers and Investment Operations Teams and project teams in tracking and overseeing maintenance of Tax rates within all applicable systems and resolving client queries.

Interaction with clients and other external internal SSC parties in creating and pro-actively maintaining tax rates and identifying issues as well as managing resolutions and communicating to the client where applicable.

Provide guidance and support in acting as a resource to assist team members from multiple operational areas for both onshore and offshore locations who are responsible for ensuring the database within Enterprise systems are maintained accurately and within required timeframes to allow the business to use effectively.

Adhoc client tax remediation of tax tables and review and resolution on monthly tax breaks.

Reason for Leaving – Redundancy

 

Royal Bank of Canada  : March 2021 to March 2022 and November 2018 to November 2020 – Senior Tax Analyst Tax Support – Contract 2021 to present / Fixed Term Contract 2018-2020

The implementation of tax related change using knowledge of tax principles for all global markets. Complete analysis of tax market changes to determine the impact on I&TS and clients in relation to Relief at Source under DTT and tax reclaim process.

Ensure all market changes are operationalised through policy procedures or IT changes. Provide support and expertise in an advisory capacity to support implementation of change projects impacting the tax area. Provide expertise in the field of Relief at Source under DTT and Tax reclaims as required in client service and client initiated due diligence audit. And Senior operational face to clients, market regulators and Local Tax Authorities with regards regulatory tax compliance and governance.

Tax related projects involving change in Sub Custodians and internal migrations due to decommissioning of internal system, and Finnish Annual Information Reporting for Authorised Intermediaries.

Reason for leaving – Project goals achieved

 

Northern Trust : June 2015 to  Sept 2018 – Senior Tax Analyst – Contract – Business Analyst Project T2S

Work on T2S pre-migration for Investor CSD Model and review of Tax gap analysis within Global Services Industry and Capabilities team identifying market nuances and to plan task timelines for resolutions – including bi-lateral and tri-lateral communications and workshops with internal Business teams and external parties.

Oversee the migration of tax activities and documentation as a result of changes in the account structure due to regulatory environment changes.

The role involved engaging with Northern Trust Sub Custodians as well as internal Northern Trust project team to ensure a comprehensive analysis of requirements is completed. Projects work included UCITS and AIFMD transition, T2S implementation.

 

 

Barclays Capital : Apr 2014 – March 2015 – Senior Tax Operations & US Tax Technical Specialist – Contract

System data analysis with application of US tax knowledge to facilitate IRS payable. Reconciliation of tax accounts and managing nostro / ledger transactions. Calculation and update of Client allocations and tax documentation into Income and Tax systems including blended rates and checking Tax documentation and withholding statements received.

Ensuring all US Tax documentation has been obtained and processed for clients including new account opening requests received from Prime Brokerage and Stock Lending desk.

The preparation of Undocumented clients report for Barclays entities calculating the US risk to the Company with undocumented clients.

Providing relevant tax documentation to Agents and Counterpartys. Provide system and process enhancements regarding QI, QSL and FATCA regulations.

Investigation of tax queries and inquiries received from both  external and internal sources.

Obtaining and validating tax documentation to assign a FATCA classification. Record FATCA status in the Barclays in house application.

 

 

Royal Bank of Scotland : March 2010 to 31st December 2013 – 90-100 Southwark Street

Sole responsibility for RBS tax reclaims process for all Global Equity markets.

ADR’s: internal and external reconciliation with International Dividends, Corporate Actions and Agent Banks.

Preparation of Tax reclamation forms for submission to Tax Authorities, Agent Banks

Liaise with Tax Authorities, Agent Banks and counterparties to resolve any breaks and queries. And outstanding Tax reclaims that have passed statutory date.

Receipt of Tax reclamations via in house systems and closure of tax reclaim files. Assisting in the Year end CASS tax reclamation tick back ensuring correct tax status has been applied cross referencing physical file to system generated tax reclamation and collating all tax reclamations for upload into new Tax Manager system.

Monthly reviews and validation of high value Primary charge, Reverse charge and Tax Credit postings.

Assist with SX1 reporting.

Produce monthly MIS for Senior Management meetings.

Preparation of tax documentation procedures including templates for completing tax reclaim forms, Power of Attorney and ad-hoc forms as per market requirements.

 

Senior Tax  Services Analyst / Foreign Account Taxation Compliance Act (FATCA) programme.

Translation of regulations issued by the IRS, collating information on FFI and Intergovernmental Agreements and identifying any jurisdictional conflicts that may cause non compliance and effect the business.

Working in collaboration with Strategy & Architecture Business Services to produce a heat map of Jurisdictional Risk Analysis in respect to client information on US sourced income for on boarding purposes

Cross referencing business requirement Documents for COB against proposed regulations. Confirm that KYC and Customer Due Diligence had been covered. Reference with IRS, compare new W-8Bene and W8IMY forms to incorporate FATCA classification.

 

Assist US Tax SME with all duties to include:

Preparation and US payment reconciliation work required for the completion of US 1042-s / 1099 reporting (HMRC section 18 and European Savings Directive (ESD) reporting requirements)

Monitor on a monthly basis any new accounts opened in cross border markets to ensure all accounts are documented in line with service level offerings. Ad hoc project work.

 

Managed and executed extensive review of RAS documentation in place with RBS global upstream agents.

Requesting and distributing COR’s for both RBS UK and Dutch entities. Handling and completing market specific documentation including but not limited to W8 / F5000-EN / CBDIV, Italian form 1 / Portuguese MOD21. Notarised / Apostille documentation. Detailed logs and audit trails and agents contact lists created. Remediation of any discrepancies found and escalation to appropriate persons if required.

 

 

 

RBS Project work:

Test Analysis of new CASS system identifying BAU tax processing issues and raising JIRA queries providing screen prints to assist M&IB IT Support and to provide constructive resolutions where required.

Liaising with Network Management on Account set ups and closures within M&IB confirming the business activity of the Account for example Proprietary, Collateral, Fixed Income to determine what tax documents are required to be completed to ensure the correct tax treaty rate is applied.

Liaise with Agent Banks and Financial Institutions in relation to market changes in Tax rules and procedures.

Resourcing and passing recommendations for the improvement of MOD and Appendix C issuance and reporting procedures with GBM India

 

Reason for leaving – Contract goals achieved.

 

 

Citi Group Global Markets – 25 Canada Square Canary Wharf

June 2009– to March 2010 – Senior Dividend Analyst

The investigation and reconciliation of profit and loss related to stock borrow / loan positions for all currencies pre 2009, including written documentation on all items over $ 250 for presentation to front office for authorisation. The reconciliation of Dividend profit and loss adjustments, Firm adjustments, Suspense accounts and Minimal write-off accounts for audit purposes for Senior Management. Passing of relevant profit and loss adjustments and subsequent closure of dividend cards in Son Of.

Reason for leaving – Temporary project completed

 

 

Northern Trust – 50 Bank Street Canary Wharf London

August 2008 to June 2009 – Senior Income Analyst

The collection verification and processing of income related entitlements for high profile client portfolios. Dealing with queries promptly and efficiently following strict procedures minimising risk and providing excellent client service and reporting both internal and external

Reason for leaving – Temporary contract expired due to migration.

 

 

Commerzbank – 60 Gracechurch Street London

November 2007 – to July 2008 – Dividend Controller Equity Derivatives

The daily reconciliation of Dividend Data between Front Office and Back Office systems.

Daily reconciliation of Dividends booked into Front office systems to ledger and external source data The investigation and resolution of breaks identified in above process through liaison with the Corporate Actions Department, Front Office and Product Control. Any adhoc projects relating to the Securities Finance business specifically the dividend process. Cover for Securities Finance Daily P&L process.

Reason for leaving – Function migrated back to Frankfurt.

 

 

Lehman Brothers – 25 Bank Street Canary Wharf London

January 2006 to November 2007 – Senior Dividend Analyst

Carrying out a proactive role in Stock Loan dividend processing , custody tax reconciliation and processing of Income events pertaining to equity products across all markets applying qualified intermediary tax regulations where applicable.

Pass relevant adjustments for stock loan borrow and tax rates for Prime charge clients while ensuring accurate accounting for Agent depot compensations and pending claims from / to counterparties .

Reconciliation and processing of stock loan income positions for all markets applying UK manufactured overseas dividend regulations to LBIE business and relevant documentation –

Appendix C with working knowledge of MOD regulations.

Proactive issuing of high monetary value claims against counterparties. The investigation and clearance of cash account breaks.

The calculation and reporting of Sector Swaps for Front office via Excel / Bloombergs.

Whilst carrying out this role I have become more interested in the benefits that can be gained from enhancing systems to obtain efficiencies of processes and procedures. For each of my responsibilities I would regularly suggest changes to procedures and system enhancements to introduce improvements in a co-ordinated manner

Reason for leaving – To further my career in Investment Banking and to learn different aspects of Dividends and P&L reporting procedures.

 

 

Deutsche Bank AG – 99 Bishopsgate London

February 2005 – January 2006 – Payables / Receivables Stock Loan Dividends /

UK Exceptions – ( 6 month contract, extended – 3 months & 3 months)

The payment and receipt of funds for designated clients for all currencies based on stock loan / borrow positions via Swift MT 202, 599.

Acting upon discrepancies with stock loan /borrow rates positions – liaising with traders exceptions team and counterparties to resolve reconciliation and processing of UK securities via CREST GUI.

Closing down of relevant trades within the system

Funding of payments over £ 250,000.

Nostro reconciliation and matching items within Smartstream

This role included changing some of the processes and procedures to gain efficiencies in a high pressure environment.

Reason for leaving – Project coming to an end.

 

 

Dresdner Kleinwort Wasserstein Securities Limited – 20 Fenchurch St, London

 

February 1999 to December 2004 – Senior UK and International Dividends Clerk

Reconciliation and setting up positions for International and UK securities including residual stocks and ADR / GDRs.

Passing of Internal Profit & Loss to trading books – resolution of subsequent queries internal and external.

Liaising with Agent Banks , clients , counterparties and traders.

Reconciliation and clearance of Nostro items and internal matching.

Production of daily Euroclear feeds for processing

Production of weekly report to Senior Management for items over £ 75,000.

Application and issuing of appropriate tax documentation – Appendix C, MOD 2, and understanding of counterparty status AUKI, AUKCA, OSCA, MOD 2.

Markets covered – UK, Australasia, Europe, South East Asia and American ADR’s and GDR’s

Reason for leaving – Redundancy

 

 

Banque Nationale de Paris 8-13, King William St, London

May 1998 to January 1999 – Senior Technical Officer

Duties included validation of trades entered into the system.

FX confirmations, stock reconciliation of positions held by our custodians.

Monitoring of corporate and dividend events.

Reason for leaving – to pursue a new senior role with Dresdner.

 

 

RBS Trust Bank Limited – (formerly S G Warburg ) – 67 Lombard Street London

July 1995 to May 1998 – Data capture / Senior Foreign and UK Taxation Clerk

Duties included preparation and submission of UK and Foreign tax reclaims for various clients. To chase relevant Inland Revenue offices and overseas tax authorities for outstanding reclaims not refunded within the time schedule.

Reason for leaving – to pursue a more senior role within taxation.

 

 

State Street Bank and Trust – 1 Canada Square Canary Wharf

June 1991 – September 1993 – Senior Dividend and Taxation Clerk

Duties included processing of UK / International Dividends and relevant tax reclamations

Reason for leaving – to pursue an ambition to travel throughout Australia and Asia

 

 

National Westminster Bank Plc. – 25 Old Broad Street London

September 1987 – June 1991

Positions held included Assistant Administration Clerk, Sterling Settlements Clerk and Dividends Clerk

Reason for leaving – To further my career outside the Clearing Bank environment.

 

 

TECHNICAL SKILLS

I have experience on the following in-house computer systems:

CASS, FundMaster, TRAMS, Tax Manager, Milvus, Astrid, RIMS, Swift, Intellimatch, TLM Connect (Smartstream) , EUCLID Crest GUI, POSTS, Bloomberg, Reuters, CAMS, CATS, Fidessa, Horizon, Class Custody, Global 1, Smartstream, Mint, and also have experience on the following universal software: Microsoft: Windows, Excel, Outlook, Word & Internet Explorer

 

EDUCATION

1979-1984 Clare Park Secondary School, Beech Rd, East Malling, Kent.

1984-1987 West Kent College of Further Education, Tonbridge, Kent.

 

 

EXAMINATION PASSES

4 ‘O’ Levels: including English Language and Literature

BTEC National Diploma in Business Studies

 

 

OTHER INFORMATION

From September 1993 to July 1995 I travelled through Australia, New Zealand and South East Asia, during which time I was able to work as a temporary employee for State Street Australia for eight months.

 

 

HOBBIES and INTERESTS

I am a keen sportsman with particular interests in Football, Golf, and Skiing and regularly attend a gymnasium to improve on my fitness. I enjoy the cinema and music and regularly attend concerts. A keen motorbike enthusiast and attend bike meetings watching the World and British Superbike series.

Touring around the British Isles and taking City breaks visiting places of interest within.  Europe is also a pleasure that I make time for, as well as visiting Public Houses and Gardens in Kent and Sussex and London such as Chartwell, Hever Castle and Hampton Court, Kew Gardens.

I have also completed a bungee jump and a tandem skydive from 10,000 feet and a sponsored abseil for the British Heart Foundation Charity.